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Laporan Tahunan Annual Report 2023 PT Bank KEB Hana Indonesia Mangkuluhur City Tower One Jl. Jend. Gatot Subroto Kav. 1-3 Jakarta Selatan, 12930 T : (+6221) 5081 1111 F : (+6221) 5081 1123 W : www.hanabank.co.id
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The New Level of Banking Laporan Tahunan 2023 Annual Report PT Bank KEB Hana Indonesia
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SANGGAHAN DAN BATASAN TANGGUNG JAWAB Disclaimer and Scope of Responsibilities Laporan Tahunan 2023 PT Bank KEB Hana Indonesia (yang selanjutnya This 2023 Annual Report of PT Bank KEB Hana Indonesia (hereinafter refer disebut Bank Hana atau Bank) ini disusun untuk memenuhi ketentuan to as Hana Bank or the Bank) is prepared to comply with the regulatory pelaporan hasil kinerja Bank pada periode 1 Januari 2023 sampai dengan 31 requirement to report the Bank’s performance for the period of 1 January Desember 2023 kepada regulator. Laporan Tahunan ini antara lain disusun 2023 to 31 December 2023. This Annual Report is, among others, prepared berdasarkan peraturan regulator di bidang perbankan. pursuant to regulations in banking sector. Laporan Tahunan ini memuat pernyataan terkait tujuan, kebijakan, This Annual Report contains statements related to the objective, policy, rencana, strategi, serta hasil operasi dan keuangan yang disusun plan, strategy, as well as the operational and financial results of the Bank berdasarkan data faktual yang dapat dipertanggungjawabkan which is prepared according to accountable factual data. In addition, kebenarannya. Selain itu, Laporan Tahunan ini juga menyajikan informasi this Annual Report also presents information related to the Bank’s work terkait proyeksi kerja Bank di tahun selanjutnya yang disusun berdasarkan projection for the following year which is written based on the prospective pernyataan-pernyataan prospektif dan berbagai asumsi mengenai kondisi statements and various assumptions related to future condition of the mendatang Bank, serta lingkungan bisnis yang terkait, sehingga dapat Bank, and relevant business condition, which may develop differently mengakibatkan perkembangan aktual secara material berbeda dari than what is stated in this Annual Report. Therefore, the Bank requests yang dilaporkan. Oleh karena itu, Bank menghimbau agar pemangku stakeholders to use this information for their decision making wisely. kepentingan dapat menggunakan informasi tersebut secara bijak dalam pengambilan keputusan.
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The New Level
of Banking
Bank Hana menyadari adanya pergeseran gaya hidup
masyarakat yang kini didominasi oleh kebutuhan
terhadap penggunaan layanan berbasis digital yang
lebih efisien dan produktif. Karena itu, Bank Hana terus
berinovasi untuk menyajikan layanan perbankan, yang
tak hanya aman dan nyaman bagi nasabah, tetapi juga
meningkatkan pengalaman transaksi perbankan. Untuk
itu, pemutakhiran layanan mobile banking dan internet
banking terus dikembangkan sesuai kebutuhan nasabah,
terutama dalam meningkatkan keamanan melalui
implementasi verifikasi biometric dalam proses E-KYC.
Pada tahun 2023, Bank Hana menjadi bank pertama di
Indonesia yang menggunakan fitur robo advisor untuk
memberikan pengalaman baru bagi nasabah dalam
bertransaksi produk investasi reksa dana.
Hana Bank understands the transition in people’s lifestyles,
which is now dominated by the desire for more effective and
productive usage of digital-based services. As a result, Hana
Bank continues to develop to deliver financial services that
are not only safe and comfortable for customers, but also
enhance the banking transaction experience. As a result,
upgrades to mobile banking and internet banking services
are still being created in response to customer demands,
particularly in terms of strengthening security by including
biometric verification into the E-KYC process. In 2023, Hana
Bank became Indonesia’s first bank to employ the robo
advisor feature to provide customers with new experiences
while transacting mutual fund investment products.
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 1
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Kesinambungan Tema
Theme Continuity
2019 2020 2021
Powering The Digital Marching Into Digital The Next Chapter of
Banking Ecosystem and Sustainable Future Digital Banking
Industri perbankan yang semakin kompetitif Pandemi COVID-19 yang melanda dunia, Keterbatasan ruang gerak akibat pandemi
mendorong Bank Hana untuk terus termasuk Indonesia, di tahun 2020 merupakan COVID-19 semakin meningkatkan kebutuhan
meningkatkan semangat persaingan dan peristiwa yang tak terduga dan belum pernah masyarakat akan layanan perbankan yang
pengembangan usaha. Bank menempuh terjadi sebelumnya. Meski demikian, di Bank aman, cepat, efisien, dan mudah diakses.
strategi percepatan pertumbuhan Hana, kami senantiasa bersikap positif dan Tidak dapat dipungkiri bahwa digitalisasi kini
operasional dan keuangan melalui memanfaatkan momentum yang ada. Melihat telah menjadi kebutuhan yang mendasar
pemanfaatan ekosistem perbankan digital. tingginya kebutuhan transaksi perbankan bagi masyarakat. Bank Hana cekatan melihat
Strategi ini meningkatkan luasnya jangkauan elektronik di tengah masa pandemi, Bank peluang tersebut dengan terus menerapkan
layanan, memberikan kemudahan, serta Hana mengintensifkan pengembangan transformasi digital dalam seluruh
menghadirkan keberagaman fasilitas digitalisasi layanan perbankan serta kegiatannya. Melalui digitalisasi tersebut,
perbankan. Seiring dengan implementasi ekosistem digital melalui kerja sama dengan Bank Hana juga terus meningkatkan
strategi tersebut, Bank meneruskan strategi beberapa mitra strategis dan ternama. customer experience dalam rangka
usaha untuk mendorong pertumbuhan memberikan kemudahan dan kenyamanan
organik dan anorganik. Inovasi untuk Tak hanya itu, sepanjang tahun 2020, Bank bagi nasabah dalam mengakses produk dan
menciptakan produk baru yang kompetitif, Hana terus meningkatkan implementasi layanan Bank Hana. Layanan digital banking
memperkuat pembiayaan konsumer, UKM, keuangan berkelanjutan dengan senantiasa dari Bank Hana juga memasuki babak baru
dan korporasi, serta terus meningkatkan mempertimbangkan kondisi bisnis, selera dengan diluncurkannya LINE Bank by Bank
fee based income tetap ditempuh untuk risiko, dan toleransi risiko Bank. Selain itu, Hana pada bulan Juni 2021 yang menandai
menguatkan basis pertumbuhan Bank. Bank Hana pun terus memperkuat komitmen transformasi bisnis konsumer Bank Hana
Seluruh strategi dan kebijakan strategis terhadap implementasi kebijakan anti untuk memberikan solusi perbankan digital
tersebut ditujukan agar Bank Hana terus pencucian uang dan pencegahan pendanaan masa depan.
tumbuh dengan solid dan kompetitif dalam terorisme (APU PPT).
memberikan finansial termutakhir. Limitation on people movement due to the
The COVID-19 pandemic that plagued the COVID-19 pandemic has further increased
Banking industry which is becoming more world, including Indonesia, in 2020 was both the public’s need for a safe, fast, efficient,
and more competitive encourages Hana unexpected and unprecedented. However, and easily accessible banking service. It
Bank to constantly enhance the spirit of at Hana Bank, we remained positive and is undeniable that digitalization has now
competition and development. The Bank took advantage of the ongoing momentum. become a basic need for the society. Hana
makes a strategy of accelerating operational Given the high demand for electronic banking Bank is very agile in seizing this opportunity
and financial growth through utilization of a transactions amid the pandemic, Hana Bank by continuing to implement digital
digital banking ecosystem. This strategy has intensified the development of its banking transformation in all of its activities. Through
expanded the reach of services, given easiness, services digitalization as well as digital this digitalization, Hana Bank also continues
and provided varied banking facilities. In line ecosystem by leveraging partnership with to improve customer experience by providing
with implementing of such strategy, the Bank strategic and reputable partners. a comfortable and convenient access to Hana
continues its business strategy to drive organic Bank’s product and services to its customers.
and inorganic growth. Innovations to create In addition, throughout the year, Hana Bank The digital banking service from Hana Bank
new, competitive products, strengthening continued to improve the implementation has also entered a new phase with the launch
of consumer, SME, and corporate financing, of sustainable finance by persistently of LINE Bank by Hana Bank in June 2021
and increasing of fee-based incomes remain considering the Bank’s business conditions, which marked the transformation of Hana
to reinforce the Bank’s growth basis. The risk appetite, and risk tolerance. Likewise, Bank’s consumer business to provide future
whole strategies and strategic policies are Hana Bank consistently enhanced its digital banking solutions.
aimed to make Hana Bank grow solidly commitment on Anti-Money Laundering/
and competitively to provide cutting edge Combating the Financing of Terrorism (AML/
financial solutions. CFT) policies.
2 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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2022
Touching Futures
Everywhere
2023
Perkembangan tren transaksi perbankan
yang semakin terdigitalisasi menuntut PT
Bank KEB Hana Indonesia (Bank Hana) untuk
terus beradaptasi dalam meningkatkan
produk dan layanan digital banking yang
The New Level
dibutuhkan nasabah dari berbagai kalangan
untuk menjalankan transaksinya dari mana
of Banking
pun. Bank Hana konsisten mengembangkan
layanan digital banking serta platform MyHana Bank Hana menyadari adanya pergeseran gaya hidup
Mobile Banking dan LINE Bank by Hana Bank, masyarakat yang kini didominasi oleh kebutuhan
termasuk meningkatkan sistem keamanan
terhadap penggunaan layanan berbasis digital yang
dan customer experience di dalamnya,
sebagai langkah visioner untuk meraih lebih efisien dan produktif. Karena itu, Bank Hana terus
pertumbuhan masa kini. Tidak hanya fokus berinovasi untuk menyajikan layanan perbankan, yang
menarik perhatian dan loyalitas nasabah, tak hanya aman dan nyaman bagi nasabah, tetapi juga
namun digitalisasi yang juga diterapkan pada meningkatkan pengalaman transaksi perbankan. Untuk
sistem operasional Bank akan meningkatkan itu, pemutakhiran layanan mobile banking dan internet
efektivitas dan efisiensi pengelolaan usaha banking terus dikembangkan sesuai kebutuhan nasabah,
dalam rangka meraih pertumbuhan ekonomi
yang solid dan berkelanjutan.
terutama dalam meningkatkan keamanan melalui
implementasi verifikasi biometric dalam proses E-KYC.
The increasingly digitized trend of banking Pada tahun 2023, Bank Hana menjadi bank pertama di
transactions requires PT Bank KEB Hana Indonesia yang menggunakan fitur robo advisor untuk
(Hana Bank) Indonesia to constantly adapt memberikan pengalaman baru bagi nasabah dalam
in improving its digital banking products and bertransaksi produk investasi reksa dana.
services as needed by customers from various
backgrounds to make transactions from
anywhere. Hana Bank consistently develops Hana Bank understands the transition in people’s lifestyles,
its digital banking services and platforms of which is now dominated by the desire for more effective and
MyHana Mobile Banking and LINE Bank by productive usage of digital-based services. As a result, Hana
Hana Bank and improve the security system Bank continues to develop to deliver financial services that
and customer experience within, as a visionary are not only safe and comfortable for customers, but also
step to achieve today’s growth. Not only does enhance the banking transaction experience. As a result,
it focus on attracting customer attention
and loyalty, but digitalization, which is also
upgrades to mobile banking and internet banking services
applied to the Bank’s operational systems, are still being created in response to customer demands,
will increase the effectiveness and efficiency particularly in terms of strengthening security by including
of business management in order to achieve biometric verification into the E-KYC process. In 2023, Hana
solid and sustainable economic growth. Bank became Indonesia’s first bank to employ the robo
advisor feature to provide customers with new experiences
while transacting mutual fund investment products.
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 3
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DAFTAR ISI
CONTENTS
The New Level of Banking
Analisis dan
Pembahasan
Manajemen
01 Kilas Kinerja
Performance Highlights 04 Management Discussion
and Analysis
8 Kilas Kinerja 2023 55 Nilai-Nilai Perusahaan 102 Tinjauan Ekonomi
2023 Performance Highlight Corporate Value Economic Review
10 Ikhtisar Data Keuangan 56 Bidang Usaha 107 Aspek Pemasaran
Financial Highlights Line of Business Marketing Aspects
13 Ikhtisar Saham 58 Produk dan Jasa 112 Tinjauan Operasional
Share Highlights Products and Services Per Segmen Usaha
Operational Overview By
13 Aksi Korporasi 61 Keanggotaan Asosiasi
Business Segment
Corporate Actions Membership In Association
128 Tinjauan Keuangan
14 Peristiwa Penting 62 Wilayah Operasional
Financial Overview
Significant Events Operational Areas
18 Penghargaan dan Sertifikasi 64 Struktur Organisasi
Organization Structure
Awards and Certification
66 Profil Dewan Komisaris
Board of Commissioners’ Profiles
69 Profil Direksi
Aspek
05
Board of Directors’ Profiles
79 Demografi Karyawan Operasional
Employee Demographic Operational Aspects
02 Laporan Manajemen
Management Report
80
82
Profil Pejabat Eksekutif
Profile of Senior Officers
Komposisi Pemegang Saham 166 Sumber Daya Manusia
Shareholders Composition Human Resources
22 Laporan Dewan Komisaris 84 Pemegang Saham Utama dan 176 Teknologi Informasi
Board of Commissioners’ Report Pengendali Information Technology
Ultimate and Controlling 182 Manajemen Risiko
30 Laporan Direksi Shareholders
Board of Directors’ Report Risk Management
84 Kronologi Pencatatan Saham
Share Listing Chronology
85 Kronologi Penerbitan dan/atau
Pencatatan Efek Lainnya
Share Listing Chronology
86 Struktur Grup
03 Profil Perusahaan
Group Structure
87 Entitas Anak dan Joint Venture
Company Profile Subsidiaries and Joint Venture
91 Kantor Akuntan Publik
Public Accountant Firm
48 Identitas Perusahaan
92 Lembaga dan Profesi Penunjang
Company Identity
Supporting Institutions And
50 Riwayat Singkat Professions
Brief History
94 Informasi pada Situs Web
52 Jejak Langkah Perusahaan
Milestones History Information on The Company
50 Riwayat Singkat Website
Brief History 98 Alamat Jaringan Kantor
54 Visi, Misi, dan Nilai Perusahaan Office Network Address Head
Corporate Vision, Mission, and Office
Values
4 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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Tanggung Jawab
Tata Kelola Sosial Perusahaan
06 Perusahaan
Corporate Governance 07 Corporate Social
Responsibility
290 Komitmen Penerapan Tata 405 Sekretaris Perusahaan 450 Tanggung Jawab Sosial
Kelola Perusahaan yang Baik Corporate Secretary Perusahaan
Commitment to GCG Corporate Social Responsibility
413 Fungsi Audit Internal
Implementation
Internal Audit Function 451 Prinsip Umum dan Kebijakan
295 Penilaian Sendiri Penerapan Tata Penerapan CSR
425 Fungsi Audit Eksternal
Kelola Perusahaan yang Baik General Principles and Policy to
External Audit Function
Self-Assessment Of GCG Implement CSR
Implementation 433 Share Option, Buy Back Share
452 Tanggung Jawab Terhadap
dan/atau Buy Back Obligasi
297 Rapat Umum Pemegang Saham Kelangsungan Sosial dan
Share Option, Buy Back Share
General Meeting of Shareholders Lingkungan
and/or Buy Back Bond
Responsibility for Social and
302 Dewan Komisaris
436 Kode Etik Environmental Sustainability
Board Of Commissioners
Code of Ethics
459 Tanggung Jawab Terhadap
314 Direksi
437 SISTEM WHISTLEBLOWING Pengembangan Sosial
Board of Directors
WHISTLEBLOWING SYSTEM Kemasyarakatan
329 Hubungan Afiliasi Dewan Responsibility for Social
Komisaris dan Direksi Community Development
Affiliate Relationship of The
463 Tanggung Jawab Sosial
Board of Commissioners and The
terhadap Bidang
Board of Directors
Ketenagakerjaan, Keselamatan,
330 Penilaian Kinerja Dewan dan Kesehatan Kerja
Komisaris dan Direksi Social Responsibility for
Performance Assessment of The Manpower, Occupational Health
Board of Commissioners and The and Safety
Board of Directors
467 Tanggung Jawab terhadap
332 Nominasi Dewan Komisaris Produk/Jasa
dan Direksi Responsibility for Products/
Nomination of The Board of Services
Commissioners and
471 Tanggung Jawab dalam
The Board of Directors
Pelaksanaan
333 Remunerasi Dewan Komisaris Institusi yang Sehat
dan Direksi Responsibility for Implementing
Remuneration of The Board of A Sound Institution
Commissioners and
The Board of Directors
335 Kebijakan Pemberian
Kompensasi Jangka Panjang
Berbasis Kinerja Kepada
Manajemen dan/atau Karyawan
Policy of Providing Long
08 Laporan Keuangan
Term Performance Based
Compensation To Management
and/or Employees Financial Statements
336 Komite Pendukung Dewan
Komisaris
Board of Commissioners Support
Committee
353 Organ Pendukung Direksi
Supporting Organs of The Board
of Directors
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 5
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Kilas Kinerja Performance Highlights
Page 11
Bank Hana senantiasa berhati- hati dalam menjaga profitabilitas, penyaluran pinjaman, maupun kinerja lainnya, di tengah situasi eksternal yang dinamis. Amidst dynamic external circumstances, Hana Bank prudently maintained its profitability, loan distribution, and other performance indicators.
Page 12
Ikhtisar Utama 2023 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen
Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Kilas Kinerja 2023
2023 Performance Highlight
Pada tahun 2023, bukan hanya
kinerja usaha Bank Hana yang tetap
solid, tetapi daya tahan Bank pun
bertambah kuat.
In 2023, Hana Bank showed a solid business
performance, while also improving its
resilience.
451.889
Rp
Juta
Million
Laba komprehensif tahun berjalan Bank Hana
pada tahun 2023 tumbuh 24,73% dibandingkan
tahun 2022 Rp362,29 miliar.
Laba Komprehensif Hana Bank recorded comprehensive income
in 2023 increase 24.73% compared to 2022 at
Comprehensive Rp362.29 billion.
Income
Rp
1.804.968 Juta
Million
Penyaluran kredit UMKM Tumbuh 4,29%
dibandingkan tahun 2022 Rp1.730.724 juta.
Penyaluran Kredit
Loans to the MSME segment increase 4.29%
UMKM compared to 2022 at Rp1,730,724 million.
Loans to the MSME
Rp
46.883.866 Juta
Million
Aset Bank Hana tahun 2023 naik 0,39%
dibandingkan tahun 2022 Rp46.699.415 juta.
Aset Hana Bank total assets in 2023 increase 0.39%
compared to 2022 at Rp46,699,415 million.
Assets
8 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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Aspek Operasional Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Operational Aspects Corporate Governance Sustainability Report Financial Statements
Porsi Produk Simpanan
Berdasarkan Nilai
11.063 0,86%
Proportion of Deposit
Products by Value
miliar
Ekuitas billion Rasio Kredit Bermasalah-Bruto
Equity Non-Performing Loan-Gross
30,82%
63,73%
5,45%
Giro / Current Accounts
Tabungan / Savings
Deposito / Time Deposit
28,35%
Kewajiban Penyediaan Modal Minimum
(KPMM) atau rasio kecukupan modal (CAR)
tahun 2023.
Capital Adequacy Ratio (CAR) in 2023.
Rp
3,04
Pendapatan bunga Bank Hana tumbuh
triliun
billion
21,43% dibandingkan tahun 2022 yang
sebesar Rp2,51 triliun.
Hana Bank’s interest income grew by
21.43% compared to 2022 at Rp2.51 trillion.
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 9
Page 14
Ikhtisar Utama 2023 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen
Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Ikhtisar Data Keuangan
Financial Highlights
(dalam Jutaan rupiah, kecuali dinyatakan lain)
(in million Rupiah, unless otherwise stated)
Uraian 2023 2022 2021 2020 2019 Description
Laporan Laba Rugi Statement of Profit
Diaudit Diaudit Diaudit Diaudit Diaudit
dan Penghasilan or Loss and Other
Audited Audited Audited Audited Audited
Komprehensif Lain Comprehensive Income
Pendapatan Bunga 3.043.034 2.506.093 2.361.716 2.864.500 3.442.748 Interest Income
Beban Bunga (1.318.847) (709.980) (807.852) (1.376.803) (1.941.603) Interest Expense
Pendapatan Bunga – 1.724.187 1.796.113 1.553.864 1.487.697 1.501.145 Interest Income - Net
Neto
Total Pendapatan 231.303 217.056 284.988 303.696 221.868 Total Other Operating
Operasional Lainnya Income
Cadangan Kerugian (54.024) (302.432) (415.708) (342.898) (147.469) Provision for Impairment
Penurunan Nilai Losses
Total Beban (1.290.474) (1.119.776) (988.541) (828.872) (845.384) Total Other Operating
Operasional Lainnya Income
Laba Operasional 610.992 590.961 434.603 619.623 730.160 Operating Income
Pendapatan (Beban) 5.569 7.516 9.814 2.785 (3.681) Non-Operating Income
Non-Operasional – (Expenses) - Net
Neto
Laba Sebelum Beban 616.561 598.477 444.417 622.408 726.479 Income Before Tax
Pajak Expense
Beban Pajak (163.352) (140.883) (86.174) (133.304) (179.629) Tax Expense
Laba Bersih 453.209 457.594 358.243 489.104 546.850 Net Income
Laba Komprehensif 451.889 362.295 337.906 628.830 633.607 Comprehensive Income
Tahun Berjalan for The Year
Laba per Saham Dasar 143,42 144.80 113.36 154.78 190.92 Basic Earnings per Share
(Nilai Penuh) (Full Amount)
Statement of Financial
Laporan Posisi Keuangan
Position
Kredit 33.339.377 31.634.696 28.481.071 28.175.130 33.098.939 Loans
Aset 46.883.866 46.699.415 43.267.167 42.689.638 45.050.371 Assets
Simpanan Nasabah 26.229.093 26.892.543 26.406.463 23.740.157 25.713.699 Deposits from
Customers
Pinjaman yang 2.578.595 554.575 52.398 1.107.835 1.630.371 Borrowings - Third
Diterima - Pihak Ketiga parties
Liabilitas 35.820.423 36.087.861 33.017.908 32.778.285 35.630.993 Liabilities
Ekuitas 11.063.443 10.611.554 10.249.259 9.911.353 9.419.378 Equity
Rasio Keuangan (%) Financial Ratios (%)
Rasio Pengembalian 1,34 1,35 1,03 1,35 1,54 Return on Assets
Aset
Rasio Pengembalian 4,42 4,66 3,74 5,38 6,93 Return on Equity
Ekuitas
Rasio Pinjaman 128,27 120,66 110,46 119,72 128,58 Loan to Deposit Ratio
terhadap Simpanan
Masyarakat
Biaya Operasional 81,9 79,24 85,27 81,03 81,73 Operating Expense
terhadap Pendapatan to Operating Income
Operasional (BOPO) (BOPO)
10 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 15
Aspek Operasional Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Operational Aspects Corporate Governance Sustainability Report Financial Statements
(dalam Jutaan rupiah, kecuali dinyatakan lain)
(in million Rupiah, unless otherwise stated)
Uraian 2023 2022 2021 2020 2019 Description
Margin Bunga Bersih 4,33 4,60 4,14 3,78 2,93 Net Interest Margin
Cost to Income Rasio 68,86 62,15 58,24 66,29 58,45 Cost to Income Ratio
Rasio Kecukupan 28,35 26,56 28,31 26,69 24,50 Capital Adequacy Ratio
Modal Minimum
(KPMM)
Rasio Kredit 0,86 0,94 1,26 1,42 1,54 Non-Performing Loan -
Bermasalah – Bruto Gross
Rasio Kredit 0,33 0,46 0,60 0,85 0,87 Non-Performing Loan
Bermasalah – Neto - Net
Aset Produktif 1,01 1,31 1,47 1,33 1,01 Non Performing Earning
Bermasalah dan and Non-Earning Assets
Aset Non-Produktif to Total Earning and
Bermasalah terhadap Non-Earning Assets
Total Aset Produktif
Aset Non-Produktif
Aset Produktif 0,65 0,69 0,89 0,99 1,23 Non-Performing Earning
Bermasalah terhadap Assets to Total Earning
Total Aset Produktif Assets
Cadangan Kerugian 2,26 2,35 2,05 1,32 0,76 Provision for Impairment
Penurunan Nilai Losses
(CKPN) Aset Keuangan on Financial Assets to
terhadap Aset Earning Assets
Produktif
Kepatuhan Compliance
Persentase Percentage of the LLL
Pelanggaran BMPK Violation
Pihak Terkait - - - - - Related Parties
Pihak Tidak Terkait - - - - - Unrelated Parties
Percentage of the LLL Persentase Pelampauan
Excess BMPK
Pihak Terkait - - - - - Related Parties
Unelated Parties - - - - - Unelated Parties
Giro Wajib Minimum Minimum Statutory
(GWM) Reserves (GWM)
GWM Utama Rupiah 8,48 7,62 4,08 5,08 6,08 GWM in Rupiah
GWM Valuta Asing 4,04 4,07 4,20 4,06 8,08 GWM in Foreign
Currencies
Posisi Devisa Neto 0,21 0,52 0,18 0,55 0,38 Net Open Position
Catatan / Note:
Angka-angka pada seluruh tabel dan grafik dalam Laporan Tahunan ini menggunakan notasi Bahasa Indonesia
Numerical notations in all tables and graphs in this Annual Report are in Bahasa Indonesia
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 11
Page 16
Ikhtisar Utama 2023 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen
Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Penyaluran Kredit Aset Simpanan Nasabah
Lending Assets Deposits from Customers
(dalam miliar rupiah) (dalam miliar rupiah) (dalam miliar rupiah)
(in billion Rupiah) (in billion Rupiah) (in billion Rupiah)
33.339 46.699 46.884 26.406 26.892 26.229
33.099 45.050 25.714
31.635 42.690 43.267 23.740
28.175 28.481
2019 2020 2021 2022 2023 2019 2020 2021 2022 2023 2019 2020 2021 2022 2023
Liabilitas Ekuitas Rasio Pengembalian Aset
Liabilities Equity Return on Assets
(dalam miliar rupiah) (dalam miliar rupiah) (dalam %) | (in %)
(in billion Rupiah) (in billion Rupiah)
35.631 36.088 35.820 11.063 1,54
10.611
32.778 33.018 10.249
9.911 1,35 1,35
9.419 1,34
1,03
2019 2020 2021 2022 2023 2019 2020 2021 2022 2023 2019 2020 2021 2022 2023
Rasio Pengembalian Ekuitas Rasio Kecukupan Modal
Return on Equity Minimum (KPMM)
(dalam %) | (in %) Capital Adequacy Ratio
(dalam %) | (in %)
6,93 28,31 28,35
26,69 26,56
24,50
5,38
4,66
4,42
3,74
2019 2020 2021 2022 2023 2019 2020 2021 2022 2023
12 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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Ikhtisar Saham
Share Highlights
Hingga akhir tahun buku 2023, Bank Hana masih Up to year-end 2023, Hana Bank is a private limited
merupakan perusahaan tertutup, sehingga tidak company; therefore, no information is available
dapat menampilkan informasi terkait dengan related to share performance.
kinerja saham Bank.
Aksi Korporasi
Corporate Actions
Pada tahun buku 2023 Bank Hana tidak melakukan In 2023, there were no corporate actions taken by
aksi korporasi yang menyebabkan perubahan the Bank that resulted in changes to the share
harga saham Bank. price.
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 13
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Ikhtisar Utama 2023 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen
Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Peristiwa Penting
Significant Events
15 Februari 2023
15 February 2023
27 Februari 2023
Kick Off Meeting Bank Hana 2023 merupakan acara yang diselenggarakan
setiap tahun untuk merekapitulasi hasil pencapaian Bank selama tahun 27 February 2023
2022 dan merumuskan target baru di tahun 2023. Acara ini juga menjadi
ajang pemberian apresiasi kepada seluruh karyawan Bank Hana atas kerja Setelah perjalanan panjang, dengan
baiknya di tahun 2022. bangga Bank Hana meluncurkan CASH
(Credit Approval System of Hana Bank).
Tema yang diusung adalah “No Limit, Ready for the Big Jump!” yang CASH merupakan solusi perangkat lunak
menggambarkan bahwa perusahaan harus melakukan lompatan besar yang mengotomatiskan alur kerja pinjaman
ke masa depan dengan tujuan pertumbuhan bisnis berkelanjutan. Turut dengan mengintegrasikan proses kredit
hadir pada kesempatan tersebut, jajaran Direksi dan Manajemen Hana secara end-to-end.
Bank, para Branch Managers, serta Unit Bisnis dari Jabodetabek dan out
region. After a long development journey, Hana
Bank is proud to launch CASH (Credit
The 2023 Hana Bank Kick-Off Meeting is an annual event that recaps the Approval System of Hana Bank). CASH is
Bank’s accomplishments in 2022 and sets new goals for 2023. This event is a software solution that automates loan
also an opportunity to express appreciation to all Hana Bank employees for workflows by integrating end-to-end credit
their hard work in 2022. processes.
The theme for the year is “No Limit, Ready for the Big Jump!” which
represents the Bank’s commitment to take a big leap into the future in
order to achieve sustainable business growth. The Board of Directors and
Management of Hana Bank, Branch Managers, and Business Units from
Jabodetabek and the surrounding regions were also present.
15 April 2023
15 April 2023
Bank Hana mengadakan program Corporate Social Responsibility (CSR) berupa “Sedekah
Ramadhan Bersama Hana (SederHana)” bekerja sama dengan T-Care Foundation.
Kegiatan ini melibatkan seluruh karyawan dengan cara berdonasi kepada masyarakat
yang membutuhkan di beberapa wilayah di Jakarta. Kegiatan CSR tersebut merupakan
wujud komitmen Bank Hana dalam membantu masyarakat di Bulan Ramadhan dengan
membagikan sembako dan paket lebaran kepada panti asuhan, keluarga dhuafa, dan
para lansia yang tersebar di wilayah Jakarta, Bogor, Bekasi, dan Depok.
In collaboration with the T-Care Foundation, Hana Bank organized a Corporate Social
Responsibility (CSR) program called “Sedekah Ramadhan Bersama Hana (SederHana)” (lit.
Ramadhan Alms with Hana Bank). This activity involves all employees by donating to people
in need in various areas of Jakarta. This CSR activity is part of Hana Bank’s commitment to
helping the community during Ramadhan by distributing staple items and Eid packages
to orphanages, destitute families, and the elderly in Jakarta, Bogor, Bekasi, and Depok.
14 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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11 Mei 2023 11 Mei 2023
11 May 2023 11 May 2023
Sebagai langkah untuk mempersiapkan generasi muda Dukung peningkatan transaksi non tunai, khususnya
yang terdepan dalam bidang teknologi informasi (ITTI), perbankan digital, LINE Bank by Hana Bank kembali
Hana Financial Group melalui Hana Nanum Foundation berkolaborasi dengan salah satu anak usaha Erajaya
meluncurkan program Hana Future IT Leader Academy. Group, Nusa Abadi Sukses Artha (NASA) dalam acara LINE
Program tersebut merupakan keberlanjutan komitmen Bank x Samsung Store Senayan Park. Acara kolaborasi
Bank sejak tahun 2006 dalam memberikan dukungan tersebut bertujuan untuk membuat belanja mudah dan
kepada para mahasiswa/i Indonesia melalui Beasiswa makin untung dengan dimanjakan berbagai tawaran
Pendidikan khususnya di bidang Informasi dan menarik. Selain itu, terdapat kemudahan berbelanja
Teknologi. Adapun nilai beasiswa yang disalurkan produk di merchant dengan metode pembayaran QRIS
mencapai diberikan adalah sebesar Rp10 miliar. yang terhubung dengan fasilitas pinjaman LINE Bank,
Penerima beasiswa akan mendapatkan kesempatan di mana hal tersebut merupakan fasilitas terbaru yang
menarik lainnya seperti magang di perusahaan NEXT TI, diharapkan mampu memberikan nilai tambah kepada
Bank Hana, juga di Hana Bank Korea. nasabah.
Hana Financial Group launched the Hana Future IT In line with the increasing trend of non-cash transactions,
Leader Academy program through the Hana Nanum especially digital banking, LINE Bank by Hana Bank again
Foundation to help prepare the younger generation to collaborated with one of the Erajaya Group’s subsidiaries,
be at the forefront of information technology (IT). This Nusa Abadi Sukses Artha (NASA), at the LINE Bank x
program builds on the Bank’s commitment to supporting Samsung Store Senayan Park event. This collaborative
Indonesian students through educational scholarships, event aims to make shopping easier and more profitable
particularly in the field of information technology, with various attractive offers. In addition, shopping for
which it has been doing since 2006. The total value of products at merchants is easier with the QRIS payment
the scholarships awarded was Rp10 billion. Scholarship method, which is connected to the LINE Bank loan facility
recipients will also have the opportunity to intern at NEXT as the newest facility with the aim of providing more
IT, Hana Bank, and Hana Bank Korea. value to customers.
9 Juni 2023 26 Juli 2023
9 June 2023 26 July 2023
PT Bank KEB Hana Indonesia (Bank Hana) Pada perayaan Hari Anak Nasional 2023, Bank Hana
menyelenggarakan Rapat Umum Pemegang Saham dan karyawan ikut andil dengan menyalurkan dana
Tahunan (RUPST) yang bertempat di Kantor Pusat Bank pendidikan sebesar Rp30 Juta dan pemberian 55
Hana, Jakarta. RUPST turut dihadiri oleh seluruh jajaran gawai kepada anak-anak. Donasi disalurkan melalui
Direksi dan Dewan Komisaris, serta para Pemegang Domyadhu yang berada di tiga wilayah yaitu Lubang
Saham. Buaya Jakarta Timur, Jati Makmur Bekasi, dan Pesantren
Al-A’raf Bogor, serta yayasan lain yaitu Mizan Amanah
PT Bank KEB Hana Indonesia (Hana Bank) organized berlokasi di Sarijadi Bandung Jawa Barat.
the Annual General Meeting of Shareholders (AGMS)
at Hana Bank Head Office, Jakarta. The AGMS was At the celebration of National Children’s Day 2023, Hana
attended by all levels of the Board of Directors and Board Bank and employees took part by distributing donations
of Commissioners, as well as Shareholders. of Rp30 million in educational funds and 55 gadgets
for children. These donations were channeled through
Domyadhu in three areas, namely Lubang Buaya, East
Jakarta, Jati Makmur Bekasi, and Pesantren Al-A’raf
Bogor, as well as through another foundation, namely
Mizan Amanah, located in Sarijadi Bandung, West Java.
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 15
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22 Agustus 2023 24 Agustus 2023
22 August 2023 24 August 2023
Bank Hana resmi meluncurkan fitur terbaru transaksi Hana Financial Group (HFG) kembali gelar kegiatan
Reksa Dana melalui aplikasi Mobile Banking MyHana. Global CSR Orientations Day di Indonesia. Kegiatan
Fitur yang dinamai Hana AIdvisor ini merupakan Robo ini merupakan kegiatan rutin tahunan HFG dalam
Advisor pertama yang dimiliki oleh lembaga perbankan bidang sosial pendidikan. Dalam misinya kali ini, HFG
dan diharapkan dapat mempermudah nasabah Bank mengajak 50 Mahasiswa Komunitas Smart Ambassador
Hana dalam melakukan transaksi Reksa Dana. Berbasis Korea. Mereka bersama 20 orang relawan / karyawan
Teknologi Artificial Intelligence (AI), Hana AIdvisor Bank Hana mengikuti kegiatan sosial di Sekolah Danbi
merupakan fitur yang dapat membantu nasabah baru Bersinar, Bekasi, Jawa Barat. Sebagai aktivitas penutup,
memulai perjalanan investasinya dengan memberikan mahasiswa komunitas tersebut mendapat kesempatan
pertimbangan dan analisa terhadap pilihan investasi berkunjung ke Kantor Pusat Bank Hana di Jakarta.
yang akan diambil.
Hana Financial Group (HFG) once again organized
Hana Bank has officially launched the newest feature in its the Global CSR Orientation Day activity program in
MyHana mobile banking apps: mutual fund transactions. Indonesia. This program is HFG’s annual routine activity
Hana AIdvisor is the first Robo Advisor feature offered in the field of social education. HFG invited 50 Korean
by a banking institution, and it is expected to make it Smart Ambassador Community Students for this
easier for Hana Bank customers to conduct mutual fund mission. They participated in social activities at the Danbi
transactions. Hana AIdvisor, which is based on artificial Bersinar School in Bekasi, West Java, with 20 Hana Bank
intelligence (AI) technology, can assist new customers volunteers/employees. As a final activity, community
in beginning their investment journey by providing students had the opportunity to visit the Hana Bank
consideration and analysis of the investment decisions Head Office in Jakarta.
they will make.
1 September 2023 8 September 2023
1 September 2023 8 September 2023
Dengan semangat sahabat yang bisa diandalkan Bank Hana meresmikan program Magang Bank Hana
#BestieAndalan untuk memberi solusi keuangan terbaik dengan mengirimkan sebanyak 10 (sepuluh) mahasiswa
bagi generasi muda Indonesia, LINE Bank by Hana Bank Indonesia terbaik untuk magang di KEB Hana Bank Korea
meluncurkan kartu debit dengan desain karakter BT21, di Seoul, Korea Selatan. Program magang ini pertama
yang khusus diciptakan untuk memberikan berbagai kalinya dibentuk melalui inisiasi Bank Hana, Hana
keuntungan guna mendukung gaya hidup keseharian Financial Group (HFG), dan Kedutaan Besar Indonesia
mereka yang aktif secara sosial dan terdigitalisasi agar untuk Korea Selatan yang bertujuan mempersiapkan
dapat menjadi smart spender dalam mengakomodasi Sumber Daya Manusia (SDM), khususnya bagi generasi
kebutuhan mereka secara optimal. muda Indonesia dalam menghadapi persaingan dan
tantangan global.
With the spirit of #BestieAndalan (lit. Reliable Best
Friend) to provide the best financial solutions for Hana Bank launched the Hana Bank Internship
Indonesia’s young generation, LINE Bank by Hana Bank program by sending ten (10) of the best university
launched a debit card with a BT21 character design, students in Indonesia to intern at KEB Hana Bank Korea
specifically developed to provide various benefits in in Seoul, South Korea. This internship program was
support of a socially active and digitalized daily lifestyle, founded by Hana Bank, Hana Financial Group (HFG),
allowing cardholders to become smart spenders in and the Indonesian Embassy in South Korea, with
fulfilling their needs optimally. the aim of preparing Indonesia’s Human Resources
(HR), particularly its young generation, to face global
competition and challenges.
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15 September 2023
15 September 2023
26 Oktober 2023
LINE Bank by Hana Bank bersama komunitas Friday Noraebang
menggelar acara #BestieAndalan night sebagai wujud apresiasi untuk 26 October 2023
nasabah setia untuk terus menjadi #Reliable2You. Pagelaran musik yang
diselenggarakan untuk pertama kalinya ini berlangsung meriah dengan PT Bank KEB Hana Indonesia (Bank Hana)
dihadiri ratusan nasabah LINE Bank by Hana Bank dan masyarakat kembali menggelar Hana Bank Economic
umum di M Bloc Live House, Jakarta Selatan. Menyerukan semangat Outlook 2024 dengan mengangkat tema
sebagai sahabat finansial yang memberikan solusi pintar dan terpercaya “Economic Growth Projection, Beyond The
untuk segala aktivitas finansial, acara ini dikemas sebagai pengalaman Election”. Tema diskusi tersebut dalam
baru bagi nasabah dalam memperkenalkan inovasi perbankan digital rangka memberikan pandangan Bank
yang lekat dengan hobi dan kebiasaan mereka. terhadap berbagai tantangan ekonomi
nasional dan global di masa depan,
Together with the Friday Noraebang community, LINE Bank by Hana khususnya pada tahun politik di Indonesia.
Bank held a #BestieAndalan night entertainment event as a form of
appreciation for loyal customers for continuing to be #Reliable2You. This PT Bank KEB Hana Indonesia (Hana Bank)
music performance, which was held for the first time, was enthusiastically again organized the Hana Bank Economic
attended by hundreds of LINE Bank by Hana Bank customers and the Outlook 2024 with the theme “Economic
general public at M Bloc Live House, South Jakarta. Invoking the spirit Growth Projection, Beyond the Election.”
of being a financial friend who provides smart and trusted solutions for The theme of the discussion was to provide
all financial activities, this event is packaged as a new experience for the Bank’s views on various national and
customers by introducing digital banking innovations that are closely global economic challenges in the future,
related to their hobbies and habits. especially in the political year in Indonesia.
7 November 2023
7 November 2023
LINE Bank by Hana Bank dan CGV Cinemas Indonesia mengumumkan kerja sama
strategis untuk sinergi layanan perbankan guna menunjang layanan dengan nilai
tambah bagi nasabah, serta mendorong perluasan bisnis yang berkelanjutan. Kolaborasi
ini ditandai dengan peresmian wajah baru CGV Velvet Lounge by LINE Bank di outlet
CGV Central Park, Jakarta. Melalui kemitraan ini, nasabah mendapatkan berbagai
kemudahan dalam melakukan transaksi perbankan melalui akses layanan CGV seperti
promo pembelian tiket CGV, menikmati lounge, dan lain sebagainya.
LINE Bank by Hana Bank and CGV Cinemas Indonesia announced a strategic collaboration
to synergize banking services in order to support services with added value for customers
and to encourage sustainable business development. The inauguration of the new look of
the CGV Velvet Lounge by LINE Bank at the CGV Central Park outlet in Jakarta marked the
beginning of this collaboration. Customers benefit from various conveniences in carrying
out banking transactions as a result of this partnership, including access to CGV services
such as promotions for purchasing CGV tickets, enjoying the cinema lounge, and so on.
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 17
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Penghargaan dan Sertifikasi
Awards and Certification
Penghargaan
Awards
1 2 3 4
PT BANK KEB HANA INDONESIA
BANK TERBAIK 2023
KBMI 2 : (MODAL INTI > RP 6 T - RP 14 T)
4 6 7 8
Tanggal Perolehan Nama Penghargaan Penyelenggara
No.
Date Obtained Name of Award Organizer
1. 12 April 2023 12th Digital Brand Awards 2023 - The Best Infobank & Isentia
12 April 2023 Bank with Digital Service KBMI 2
2. 12 April 2023 12th Digital Brand Awards 2023 - The Highest Infobank & Isentia
12 April 2023 Digital Index Bank
3. 26 Mei 2023 Bank Terbaik 2023 KBMI 2: Investor Daily(B-Universe)
26 May 2023 (Modal Inti > Rp6 T – Rp14 T)
Best Bank 2023 KBMI 2:
(Core Capital > Rp6 T – Rp14 T)
4. 20 Juni 2023 The 1st Best in Service Excellence Infobank & Marketing Research
20 June 2023 Indonesia (MRI)
5. 20 Juni 2023 The 1st Best in Opening Account via Mobile Infobank & Marketing Research
20 June 2023 Application Mobile Browser Indonesia (MRI)
6. 20 Juni 2023 The 1st Best in Website Infobank & Marketing Research
20 June 2023 Indonesia (MRI)
7. 20 Juni 2023 The 2nd Best in Call Center Infobank & Marketing Research
20 June 2023 Indonesia (MRI)
8. 20 Juni 2023 The 2nd Best in Social Media Infobank & Marketing Research
20 June 2023 Indonesia (MRI)
9. 20 Juni 2023 The 2nd Best in Email Service Infobank & Marketing Research
20 June 2023 Indonesia (MRI)
10 3 Juli 2023 Best Company to Work For in Asia HR Asia
3 July 2023
18 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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9 10 11 12 13
PT BANK KEB HANA INDONESIA (LINE BANK)
Best Brand Image in Digital Bank Category
14 15 16 17 18
2023 2023
DIGITAL
DIGITAL FINANCIAL
FINANCIAL EXCELLENCE
EXCELLENCE AWARDS
AWARDS
DIGITAL FINANCIAL DIGITAL FINANCIAL
EXCELLENCE AWARDS 2023 EXCELLENCE AWARDS 2023
CERTIFICATE
THIS CERTIFICATE IS PROUDLY PRESENTED TO
CERTIFICATE
THIS CERTIFICATE IS PROUDLY PRESENTED TO
PT Bank KEB Hana Indonesia PT Bank KEB Hana Indonesia
Bank Swasta non-Tbk. Bank Devisa - KBMI 2 (Modal Inti 6 Triliun s/d Rp14 Triliun)
1. Keterlibatan Pelanggan (Customer Engagement) 1. Keterlibatan Pelanggan (Customer Engagement)
2. Pengalaman Pelanggan (Customer Experience) 2. Pengalaman Pelanggan (Customer Experience)
3. Kepercayaan & Persepsi Pelanggan (Customer Trust & Perception) 3. Kepercayaan & Persepsi Pelanggan (Customer Trust & Perception)
4. Wawasan Pelanggan (Customer Insight) 4. Wawasan Pelanggan (Customer Insight)
5. Pelanggan dengan Disabilitas (Customer with Disabilities) 5. Pelanggan dengan Disabilitas (Customer with Disabilities)
Jakarta, 19 Desember 2023 Jakarta, 19 Desember 2023
MUCHAROR DJALIL MUCHAROR DJALIL
CEO MEDIA ASURANSI CEO MEDIA ASURANSI
Tanggal Perolehan Nama Penghargaan Penyelenggara
No.
Date Obtained Name of Award Organizer
11. 3 Juli 2023 Most Caring Company HR Asia
3 July 2023
12 16 Oktober 2023 US Dollar Payments Straight Through Citibank
16 October 2023 Processing (STP) Excellence Award
13. 27 November 2023 Best Brand Image in Digital Bank The Iconomics
27 November 2023
14. 29 November 2023 Best Digital Finance 2023 for Supporting Warta Ekonomi
29 November 2023 Customers' Daily Lifestyles Through
Innovative Features (Category: KBMI 2,
Private Bank)
15. 8 Desember 2023 Indonesia IT Award-V-2023 - The Best IT for Economic Review
8 December 2023 Bank Company 2023 Peringkat Platinum
(A) Very Excellent
16. 14 Desember 2023 Indonesia IT Award-V-2023 - The Best IT for Investortrust
14 December 2023 Bank Company 2023 Peringkat Platinum
(A) Very Excellent
17. 19 Desember 2023 Digital Banking Awards 2023 – Pemenang Media Asuransi
19 December 2023 Kategori KBMI 2 untuk Dimensi
Manajemen Resiko
Digital Banking Awards 2023 – Winner in
KBMI 2 Category for Risk Management
Dimension
18. 19 Desember 2023 Digital Financial Excellence Award 2023 - Media Asuransi
19 December 2023 Peringkat 3 Kategori Bank Devisa KBMI 2
Digital Financial Excellence Award 2023 –
3rd Rank in KBMI 2 Foreign Exchange Bank
Category
Sertifikasi
Certification
Tanggal Perolehan Sertifikasi Pemberi
No.
Date Obtained Certification Issuer
1. 9 Agustus 2023 ISO/IEC 27001:2013 British Standards Institute
9 August 2023
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 19
Page 24
Laporan Manajemen Management Report
Page 25
Bank Hana berhasil merespons
perkembangan kondisi eksternal yang
dinamis melalui strategi dan inovasi
yang tepat, sehingga menghasilkan
kinerja usaha Bank yang positif.
Hana Bank successfully responded to the
development of dynamic external conditions
through appropriate strategies and innovations,
resulting in the Bank’s positive business
performance.
Daftar Isi
Contents
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Ikhtisar Utama 2023 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen
Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Laporan Dewan Komisaris
Board of Commissioners’ Report
Sungwhan Lee
Komisaris Utama
President Commissioner
22 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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Operational Aspects Corporate Governance Sustainability Report Financial Statements
Manajemen terbukti mampu
menghadirkan berbagai upaya yang
inovatif melalui penerapan strategi yang
adaptif, tepat sasaran, terukur, serta
akuntabel, sehingga ikut mendukung
kinerja Bank.
Pemegang Saham dan Pemangku Dear Esteemed Shareholders and
Kepentingan yang Terhormat, Stakeholders,
Management has
Proses pemulihan ekonomi global pasca The global economic recovery process demonstrated
pandemi Covid-19 masih mendapatkan following the COVID-19 pandemic
the ability to
tantangan dari perkembangan remains constrained by geopolitical
geopolitik yang terutama disebabkan developments, primarily caused by the provide a variety
oleh konflik Rusia dan Ukraina. conflict between Russia and Ukraine. of innovative
Sebagai akibatnya, proses perbaikan As a result, the economic improvement
measures by
ekonomi berjalan lebih lambat dari process is moving more slowly than
yang diperkirakan. Dunia usaha masih expected. The business world is still implementing
mengalami tantangan berat, antara lain experiencing serious adversities, partly adaptable,
diakibatkan oleh dinamika yang terjadi due to the dynamics occurring in the
focused,
pada sektor komoditas, kenaikan suku commodity sector, the increase in
bunga bank sentral negara-negara central bank interest rates in developed quantifiable,
maju, serta perlambatan yang terjadi countries, and the slowdown of the and accountable
pada sektor industri. industrial sector.
strategies
Situasi yang berkembang di tingkat The global situation briefly resulted in that support
global tersebut sempat mendorong an increase in commodity prices and the Bank’s
kenaikan harga komoditas dan kenaikan a relatively high increase in inflation,
performance.
inflasi yang relatif tinggi, walaupun although by 2023, these unfavorable
pada tahun 2023 kondisi yang kurang conditions were under control. Until
menguntungkan ini mulai terkendali. recently, Bank Indonesia has kept
Sampai dengan saat ini Bank Indonesia interest rates high in order to control
masih mempertahankan tingkat suku inflation and exchange rates. This
bunga tinggi untuk mengendalikan measure is expected to prevent the
inflasi dan nilai tukar. Langkah continuation of fund outflows from
ini diharapkan dapat mencegah Indonesia.
berlanjutnya proses aliran dana keluar
dari Indonesia.
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 23
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Perekonomian Indonesia terbukti memiliki The Indonesian economy has been shown to have
fundamental yang cukup kuat dan memiliki daya relatively strong fundamentals and to be resilient
tahan terhadap pengaruh negatif kondisi global. to negative global conditions. Capital investment
Penanaman modal masih tumbuh positif dan continues to grow, and the trade balance has been in
neraca perdagangan pun berada pada posisi surplus for 44 consecutive months since May 2020.
surplus selama 44 bulan berturut-turut sejak bulan Furthermore, Indonesia’s financial system remains
Mei 2020. Selain itu, stabilitas sistem keuangan stable as a result of an effective combination of
Indonesia juga tetap kuat terutama terkait dengan fiscal and monetary policies. Inflation remains
bauran kebijakan fiskal dan moneter yang cukup under control, allowing household consumption,
efektif. Angka inflasi tetap terkendali, sehingga the primary source of support for the national
konsumsi rumah tangga yang menjadi penopang economy, to continue to grow positively.
utama perekonomian nasional tetap tumbuh
positif.
Perkembangan perekonomian nasional yang stabil The stable development in the national economy
tersebut memberikan dampak positif terhadap has had positive impacts on the banking sector. As
industri perbankan. Seperti dicatat Otoritas noted by the Financial Services Authority (OJK) in
Jasa Keuangan (OJK) dalam Statistik Perbankan the December 2023 Indonesian Banking Statistics,
Indonesia Desember 2023, fungsi intermediasi the bank intermediation functions grew positively,
bank tumbuh positif, sekitar 10,38% pada Desember around 10.38% in December 2023 on an annual
2023 secara tahunan (year on year/yoy). Begitu juga basis (year on year/yoy). Likewise, with bank capital.
dengan permodalan bank. Pada periode tersebut, During this period, the banking capital adequacy
rasio kecukupan modal perbankan (CAR) mencapai ratio (CAR) reached 27.65%, higher compared to the
angka 27,65%, lebih tinggi apabila dibandingkan position in December 2022, which stood at 25.66%.
dengan posisi Desember 2022 yang menunjukkan
angka sebesar 25,66%.
PENILAIAN TERHADAP KINERJA ASSESSMENT ON THE PERFORMANCE
DIREKSI OF THE BOARD OF DIRECTORS
Gejolak ekonomi dan sektor keuangan yang terjadi The economic and financial turmoil posed a
pada tahun 2023 cukup memberikan tantangan significant challenge to Hana Bank’s journey.
bagi perjalanan Bank Hana. Sejalan dengan kondisi Nonetheless, Hana Bank’s performance continues
sistem keuangan dan perbankan Indonesia yang to improve, reflecting the relatively strong state
relatif kokoh, kinerja Bank Hana dapat tetap tumbuh of Indonesia’s financial and banking systems. This
positif dan solid. Pertumbuhan ini disertai dengan growth is accompanied by the Bank’s soundness,
dapat dipertahankannya kualitas kesehatan Bank which has been properly maintained. The capital
yang baik. Rasio kecukupan modal (KPMM) dan adequacy ratio (CAR) and non-performing loan
rasio kredit bermasalah (non-performing loan- (NPL) ratios are better than the national average
NPL) berada pada angka yang lebih baik apabila banking ratios. Similarly, the Bank’s soundness level
dibandingkan dengan rata-rata rasio perbankan indicated a solid composite rating, as evidenced by
secara nasional. Demikian pula dengan rasio its risk profile, corporate governance, profitability,
tingkat kesehatan, Bank menunjukkan peringkat and strong capital structure.
komposit yang sehat yang tercermin dari sisi profil
risiko, tata kelola perusahaan, dan rentabilitas, serta
kondisi yang kuat dari sisi struktur permodalan.
Hal ini tidak terlepas dari upaya seluruh pihak dalam The efforts of all parties to carry out duties and
melaksanakan tugas dan tanggung jawab sesuai responsibilities in accordance with Hana Bank’s
dengan visi, misi, dan nilai-nilai yang dihidupi Bank vision, mission, and values inevitably resulted in
Hana. Secara khusus, kami melihat ini sebagai such growth. Specifically, we view this as the Board
keberhasilan jajaran Direksi dan Manajemen yang of Directors’ success in leading management
dipimpinnya dalam menghadirkan berbagai upaya to create various innovative efforts through the
yang inovatif melalui penerapan strategi yang implementation of adaptive, targeted, measurable,
adaptif, tepat sasaran, terukur, serta akuntabel. and accountable strategies. We regard the visionary
Strategi untuk terus meningkatkan kualitas measures taken, such as strategies for continuous
produk dan layanan, mengembangkan layanan improvement of product and service quality, digital
digital banking serta platform MyHana Mobile banking service development, MyHana Mobile
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Banking dan LINE Bank by Hana Bank, termasuk Banking, and LINE Bank by Hana Bank platform
meningkatkan customer experience di dalamnya, development, including customer experience
kami pandang sebagai langkah visioner yang telah improvement, as measures that have targeted the
menyasar kunci pertumbuhan bank masa kini. key growth of today’s banks.
Hal lain yang kami pandang memberi nilai positif We also see another positive value that provides
dan bermanfaat besar adalah upaya Direksi untuk significant benefit, which is the Board of Directors’
terus memperkuat fundamental keberlangsungan ongoing effort to strengthen business continuity
usaha dengan membangun lingkungan kerja fundamentals by creating a harmonious work
yang harmonis yang disertai dengan semangat environment with a spirit of solidarity and skilled
solidaritas dan nilai-nilai terampil dalam rangka values in order to realize business strategies and
untuk merealisasikan strategi dan target usaha. goals. In order to develop superior and competitive
Direksi juga telah melakukan pengembangan Hana Bank employees, the Board of Directors has
kapasitas internal secara memadai untuk also conducted internal capacity development in
menjawab kebutuhan stakeholders terhadap response to stakeholder needs.
terciptanya insan Bank Hana yang unggul dan
berdaya saing.
Pengawasan terhadap Perumusan dan Supervision on Strategy Formulation
Implementasi Strategi oleh Direksi and Implementation by the Board of
Directors
Peraturan perundang-undangan, seperti Peraturan Laws and regulations, such as the Financial Services
Otoritas Jasa Keuangan Nomor 17 Tahun 2023 Authority Regulation No. 17 of 2023 concerning
tentang Penerapan Tata Kelola bagi Bank Umum, Governance Implementation for Commercial
telah mengatur tugas dan fungsi Dewan Komisaris. Banks, have governed the duties and functions
Tugas utama yang diamanatkan selain pemberian of the Board of Commissioners. In addition to the
nasihat kepada Direksi adalah melakukan provision of advice to the Board of Directors, the
pengawasan agar pengelolaan Bank dilakukan main duty mandated is to conduct supervision to
sesuai dengan ketentuan-ketentuan yang berlaku. ensure the Bank’s management complies with
applicable regulations.
Dalam menjalankan fungsinya, Dewan Komisaris In carrying out its functions, the Board of
dibantu oleh komite-komite yang dibentuk sesuai Commissioners is assisted by committees that
dengan peraturan yang berlaku. Pelaksanaan are established in accordance with applicable
pengawasan Dewan Komisaris dilakukan dengan regulations. Supervision by the Board of
mengarahkan, memantau, dan mengevaluasi Commissioners is carried out by directing,
pelaksanaan tata kelola, manajemen risiko, dan monitoring, and evaluating the implementation
tingkat kepatuhan secara terintegrasi serta of governance, risk management, and level of
kebijakan strategis Bank, untuk memperoleh compliance in an integrated manner, as well as
keyakinan bahwa proses tersebut talah the strategic policies of the Bank, to attain the
dilaksanakan sesuai dengan ketentuan peraturan confidence that these processes have been carried
perundang-undangan, anggaran dasar, serta out in accordance with regulatory provisions,
keputusan Rapat Umum Pemegang Saham articles of association, and resolutions of the
(RUPS). General Meeting of Shareholders (GMS).
Mengacu pada ketentuan tersebut serta melihat According to these provisions, as well as observing
perkembangan kinerja Bank, Dewan Komisaris the Bank’s performance and growth, the Board of
berpandangan bahwa Direksi telah merumuskan Commissioners believes that the Board of Directors
serta mengimplementasikan segala aspek terkait has properly formulated and implemented all
strategi Bank dengan baik. Dalam perumusannya, aspects of the Bank’s strategy. The Board of
Direksi telah mempertimbangkan faktor eksternal Directors took the Bank’s internal and external
serta internal Bank secara memadai. Dalam factors into account when developing its strategy.
mengimplementasikan rencana dan kebijakannya, In implementing its plans and policies, the Board
Direksi juga telah mengoptimalkan fungsi komite- of Directors has also optimized the functions
komite yang berada di bawah kendalinya sebagai of its committees as supporting organs in the
organ pendukung pelaksanaan tugas dan fungsi implementation of the Board’s duties and functions.
Direksi.
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PANDANGAN TERHADAP PROSPEK VIEWS ON BUSINESS OUTLOOK
USAHA
Proyeksi terjadinya perlambatan ekonomi di The projected economic slowdown has resulted in
tahun 2024 menyebabkan peningkatan volatilitas volatility, uncertainty, complexity, and ambiguity
harga dan ketidakpastian rantai pasok global atau (VUCA). As a result, the banking industry faces
volatility, uncertainty, complexity, and ambiguity risks such as rising interest rates, an economic
(VUCA). Risiko kenaikan tingkat suku bunga, slowdown, and rising energy prices. Nonetheless,
perlambatan ekonomi, hingga kenaikan biaya the subsiding effect of the Covid-19 pandemic
energi menjadi tantangan tersendiri bagi industri is expected to provide more opportunities for
perbankan. Namun demikian, meredanya efek the Bank to plan its growth. Such optimism is
pandemi Covid-19 diharapkan dapat memberikan supported by accelerated public consumption and
peluang yang lebih besar bagi Bank dalam the stability of the national trade balance, which
merencanakan pertumbuhannya. Optimisme ini continues to grow positively.
didukung oleh akselerasi konsumsi masyarakat
dan stabilitas neraca perdagangan nasional yang
masih bertumbuh positif.
Berdasarkan hasil penelaahan terhadap Rencana Based on the review results of the 2023-2025
Bisnis Bank (RBB) 2023-2025 yang disusun dengan Bank Business Plan (RBB), which was prepared
mempertimbangkan peluang dan tantangan after considering economic opportunities and
ekonomi, kami optimis bahwa Direksi beserta challenges, we are confident that the Board of
seluruh jajaran manajemen mampu merealisasikan Directors and all management levels will be able
rencana yang sudah disusun dengan baik. Dewan to carry out the well-prepared plan. The Board
Komisaris akan memberikan dukungan terhadap of Commissioners will provide support for every
langkah-langkah yang ditempuh Direksi dalam measure undertaken by the Board of Directors
rangka untuk mengoptimalkan kinerja operasional to maximize the Bank’s operational and financial
maupun keuangan Bank. performance.
PANDANGAN TERHADAP PENERAPAN VIEWS ON THE IMPLEMENTTAION OF
TATA KELOLA PERUSAHAAN YANG GOOD CORPORATE GOVERNANCE
BAIK
Dewan Komisaris, Direksi dan seluruh jajaran The Board of Commissioners, Board of Directors,
Manajemen telah berkomitmen untuk and all levels of Management are committed
mewujudkan sistem tata kelola perusahaan yang to realizing a sustainable and good corporate
baik atau good corporate governance (GCG) dan governance (GCG) system in every aspect of Hana
berkelanjutan dalam setiap aspek operasional Bank’s operations. So far, we view that the GCG
Bank Hana. Sejauh ini, kami melihat penerapan principles have been realized consistently to
prinsip GCG telah direalisasikan secara konsisten accommodate the needs of Hana Bank’s various
dalam mengakomodir kebutuhan berbagai stakeholder groups. The Bank also makes various
kelompok pemangku kepentingan Bank Hana. efforts to improve and refine its quality adaptively
Berbagai upaya perbaikan dan penyempurnaan according to the developments of applicable
kualitasnya pun dilakukan secara adaptif sesuai laws and regulations. The policies and strategies
dengan perkembangan perundang-undangan are established by considering Hana Bank’s risk
dan peraturan yang berlaku. Demikian pula setiap appetite and risk tolerance to maintain sound
kebijakan dan strategi telah diputuskan dengan business continuity.
mempertimbangkan risk appetite dan toleransi
risiko Bank Hana sehingga keberlanjutan usaha
yang sehat terus dapat dipertahankan.
Di tingkat Dewan Komisaris, optimalisasi The Audit Committee, Risk Monitoring Committee,
penerapan GCG yang efektif dan efisien didukung and Remuneration and Nomination Committee
oleh pelaksanaan secara optimal fungsi Komite all play important roles in the effective and
Audit, Komite Pemantau Risiko, serta Komite efficient implementation of GCG at the Board
Remunerasi dan Nominasi. Sedangkan di tingkat of Commissioners level. Meanwhile, the
Direksi, pelaksanaan fungsi komite pendukung implementation of the functions of committees
Direksi, Sekretaris Perusahaan, Satuan Kerja Audit supporting the Board of Directors, such as the
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Dewan Komisaris
Board of Commissioners
Sungwhan Lee
Komisaris Utama
Dino Patti Djalal President Commissioner Eka Noor Asmara
Komisaris Independen Komisaris Independen
Independent Commissioner Independent Commissioner
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Intern, Satuan Kerja Kepatuhan, dan Satuan Kerja Corporate Secretary, Internal Audit Work Unit,
Manajemen Risiko memegang peranan penting Compliance Work Unit, and Risk Management Work
dalam keberhasilan implementasi GCG. Dalam Unit, is critical to the successful implementation of
pandangan Dewan Komisaris, seluruh organ tata GCG. According to the Board of Commissioners,
kelola ini telah bersinergi dalam membangun these governance organs are collaborating to build
sistem tata kelola yang kuat dan adaptif dalam a stronger and more adaptable governance system
menghadapi tantangan. Dalam hal yang relatif to meet challenges. Regarding some less significant
kurang signifikan, kelemahan yang ada dapat weaknesses, we believe they can be resolved by
diselesaikan dengan tindakan normal oleh normal actions by the Bank’s management.
manajemen Bank.
PANDANGAN TERHADAP PENERAPAN VIEWS ON THE IMPLEMENTATION
TANGGUNG JAWAB SOSIAL DAN OF SOCIAL AND ENVIRONMENTAL
LINGKUNGAN RESPONSIBILITY
Komitmen Bank Hana dalam Consideration of social and environmental
mengimplementasikan konsep keuangan responsibility is an essential component of Hana
berkelanjutan tidak terlepas dari pertimbangan Bank ‘s commitment to implementing sustainable
tanggung jawab sosial dan lingkungan. Sebagai finance concepts. As a financial institution
lembaga jasa keuangan yang memiliki tanggung responsible for fostering national economic growth,
jawab untuk menciptakan pertumbuhan ekonomi Hana Bank continues to encourage business actors
nasional yang sehat, Bank Hana terus mendorong to raise awareness and implement sustainability
agar pelaku usaha semakin meningkatkan principles. The Bank is constantly supplementing
kesadaran dan implementasi prinsip keberlanjutan. and improving the Environmental and Social Risk
Bank terus melengkapi dan menyempurnakan Management System (ESMS) in accordance with
Environmental and Social Risk Management the Sustainable Finance Roadmap developed by
System (ESMS) sesuai dengan dengan roadmap the Financial Services Authority (OJK) and the
keuangan berkelanjutan yang disusun oleh International Finance Corporation (IFC). The Bank
Otoritas Jasa Keuangan (OJK) dan International also works to strengthen the internalization of
Finance Corporation (IFC). Termasuk di dalamnya, sustainable values by improving the capacity and
Bank juga senantiasa menguatkan internalisasi capability of its employees, particularly those in
nilai-nilai keberlanjutan melalui peningkatan charge of financial management. As a result, we
kapasitas dan kapabilitas karyawan, khususnya believe that the quantity and quality of socially and
yang bertanggung jawab terhadap pengelolaan environmentally responsible financing distribution
keuangan. Sebagai hasilnya, kami melihat bahwa is steadily improving.
jumlah dan kualitas penyaluran pembiayaan yang
berwawasan sosial dan lingkungan semakin baik
dari waktu ke waktu.
Bank Hana juga turut merespons beragam isu dan Hana Bank also responds to a variety of socio-
peristiwa sosial-lingkungan yang terjadi dalam environmental issues and events on a national
skala nasional. Kiprah Bank dalam hal tersebut scale. The Bank’s response is tailored to the needs of
disesuaikan dengan kebutuhan pemangku its stakeholders, with a primary focus on education.
kepentingan dan lebih diarahkan pada pada A series of donations and volunteer activities
bidang pendidikan. Serangkaian donasi dan included in the corporate social responsibility (CSR)
kegiatan volunteer yang dikemas dalam program programs have had a positive impact on various
tanggung jawab sosial perusahaan (CSR) telah groups of beneficiaries.
memberikan dampak positif terhadap berbagai
kelompok penerima manfaat.
PERUBAHAN KOMPOSISI ANGGOTA CHANGES TO THE COMPOSITION OF
DEWAN KOMISARIS DAN ALASANNYA THE BOARD OF COMMISSIONERS AND
THE REASONS
Sepanjang tahun buku 2023 tidak terjadi During the 2023 fiscal year, there were no changes
perubahan komposisi Dewan Komisaris Bank to the composition of Hana Bank’s Board of
Hana. Dua anggota Dewan Komisaris yang telah Commissioners. Two members of the Board of
habis masa jabatannya, yaitu Sungwhan Lee dan Commissioners whose terms of office have expired,
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Eka Noor Asmara, diputuskan untuk diangkat namely Sungwhan Lee and Eka Noor Asmara, were
kembali dalam Rapat Umum Pemegang Saham re-appointed at the Annual General Meeting of
Tahunan (RUPST) tanggal 9 Juni 2023. Shareholders (AGMS) on 9 June 2023.
Dengan demikian, komposisi Dewan Komisaris Thus, the composition of the Board of
hingga Laporan Tahunan ini diterbitkan adalah: Commissioners up to the publication of this Annual
Report is:
Nama Jabatan
Name Position
Sungwhan Lee Komisaris Utama
President Commissioner
Dino Patti Djalal Komisaris Independen
Independent Commissioner
Eka Noor Asmara Komisaris Independen
Independent Commissioner
APRESIASI APPRECIATION
Dewan Komisaris memberikan apresiasi yang The Board of Commissioners would like to express
tinggi kepada Direksi atas pencapaian kinerja yang its heartfelt appreciation to the Board of Directors
baik. Penghargaan yang tinggi juga diberikan for its performance achievements. We would
kepada seluruh karyawan yang telah menunjukkan also like to express our high appreciation to all
dedikasi yang luar biasa atas pencapaian ini. employees who have demonstrated exceptional
dedication to this achievement.
Dewan Komisaris menyampaikan terima kasih The Board of Commissioners expresses gratitude to
kepada Pemegang Saham atas kepercayaan yang the Shareholders for their trust placed in becoming
diberikan untuk menjadi bagian dari perjalanan part of Hana Bank’s businessjourney. We would also
usaha Bank Hana. Begitu juga dengan regulator like to extend our gratitude to regulators who have
yang telah memberikan bimbingan dan arahan provided guidance and directives that enabled the
sehingga manajemen mampu melalui tahun 2023 management to navigate through 2023 with good
dengan kinerja yang baik dengan tetap berpegang performance while constantly adhering to good
teguh pada prinsip-prinsip tata kelola perusahaan corporate governance principles.
yang baik.
Dewan Komisaris juga memberikan apresiasi The Board of Commissioners would additionally
kepada para pemangku kepentingan lainnya atas like to acknowledge other stakeholders for the
kerja sama yang telah berjalan selama tahun buku cooperation that has been established during the
2023. Semoga hubungan baik ini tetap terjaga agar 2023 fiscal year. We hope that this good relationship
rencana Bank tahun 2024 yang telah ditetapkan will be maintained, allowing the Bank to achieve its
dapat dicapai secara efisien dan efektif. 2024 plans in an efficient and effective manner.
Jakarta, April 2024
Atas Nama Dewan Komisaris
On Behalf of the Board of Commissioners of
PT Bank KEB Hana Indonesia
Sungwhan Lee
Komisaris Utama
President Commissioner
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Laporan Direksi
Board of Directors’ Report
Jong Jin Park
Direktur Utama
President Director
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Untuk memperkuat penetrasi pasar dan
meningkatkan daya saing, Bank fokus
mendorong pertumbuhan berkelanjutan
bisnis konvensional, sekaligus
mengembangkan layanan perbankan
digital yang dapat diandalkan.
Pemegang Saham dan Pemangku Distinguished Shareholders and
Kepentingan yang Terhormat, Stakeholders,
To improve
Jajaran Direksi PT Bank KEB Hana The Board of Directors of PT Bank KEB market
Indonesia (“Bank Hana”, “Bank”) Hana Indonesia (“Hana Bank,” “the
penetration and
menyampaikan rasa syukur telah melalui Bank”) expresses gratitude for passing
tahun 2023 dengan kinerja Bank yang 2023 with the Bank’s performance competitiveness,
tetap solid, di tengah kondisi eksternal remaining solid despite dynamic the Bank focuses
yang dinamis. Pada tahun buku yang external conditions. In the year under
on fostering long-
dilalui itu, kinerja perekonomian global review, global economic performance
masih menghadapi tekanan, sehingga remained weak, affecting the business term growth of
berpengaruh pada dunia usaha world, including banks. conventional
termasuk perbankan.
businesses while
Dalam situasi yang masih bergerak Hana Bank has continued to perform offering reliable
dinamis, Bank Hana tetap menghasilkan well in this dynamic environment. digital banking
kinerja yang positif. Kinerja keuangan The Bank’s financial performance
solutions.
Bank terealisasi lebih baik dibandingkan and capitalization improved over the
tahun sebelumnya, begitu juga dengan previous year.
aspek permodalan.
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Kondisi Ekonomi dan Industri Economic Conditions and the Banking
Perbankan Industry
Dana Moneter Internasional (International In its October 2023 edition of the “World Economic
Monetary Fund/IMF) dalam laporannya yang Outlook,” the International Monetary Fund (IMF)
bertajuk “World Economic Outlook” edisi Oktober stated that the global economic recovery from the
2023 mengungkapkan bahwa pemulihan impact of the COVID-19 pandemic and Russia’s
ekonomi global dari dampak pandemi COVID-19 invasion of Ukraine is likely to be slow. It is even
dan invasi Rusia ke Ukraina cenderung lambat. uneven across countries. The IMF reported strong
Bahkan tidak merata antarnegara. Pada awal growth in 2023, but it did not last long.
tahun 2023, lembaga tersebut sempat mencatat
terjadi pertumbuhan yang tinggi, namun tidak
berlangsung lama.
Setelah itu pertumbuhan ekonomi global kembali After that, global economic growth slowed down
melambat. Karena itu, IMF memperkirakan again. Therefore, the IMF estimates that global
pertumbuhan ekonomi global pada tahun 2023 economic growth in 2023 will only be 3.0%, lower
hanya 3,0%, lebih rendah dari pencapaian tahun than the achievement in 2022, which was 3.5%.
2022 sebesar 3,5%.
Seiring dengan kondisi perekonomian global yang As the global economy remains unstable, the US
belum stabil, Bank Sentral Amerika Serikat, yakni Federal Reserve (Fed) has responded by raising its
Federal Reserve (The Fed) merespons dengan key interest rate. From 4.50% at the start of the year,
menaikkan suku bunga acuan. Jika di awal 2023 it rose to 5.50% by the end of the 2023.
4,50%, kemudian menjadi 5,50% hingga akhir
tahun.
Kebijakan tersebut ikut mendorong negara- This policy has encouraged other countries to raise
negara lain menaikkan suku bunga, termasuk interest rates, including Indonesia. Throughout
Indonesia. Sepanjang tahun 2023, Bank Indonesia the year, Bank Indonesia has raised its benchmark
telah menaikkan suku bunga acuan, yaitu BI 7-day interest rate, the BI 7-day (Reverse) Repo Rate, from
(Reverse) Repo Rate, dari 5,75% hingga menjadi 5.75% to 6.00% in an effort to ease pressure on the
6,00% sebagai upaya meredam tekanan terhadap rupiah exchange rate and control inflation.
nilai tukar rupiah dan mengendalikan inflasi.
Kebijakan The Fed menaikkan suku bunga The Fed’s policy of raising interest rates is intended
tersebut bertujuan mengurangi inflasi. Di lain to reduce inflation. On the other hand, China’s
pihak, perekonomian China juga mengalami economy has suffered a significant decline,
penurunan drastis, sehingga turut mempengaruhi affecting the global economy, considering China
perekonomian global mengingat China berperan plays an important role in international trade.
besar dalam perdagangan internasional. Selain Furthermore, political tensions between Russia and
itu, tensi politik di Rusia-Ukraina, belakangan Ukraine, and more recently, Palestine and Israel, are
ini Palestina-Israel, juga memberikan concern a concern for Indonesia’s currency and economic
terhadap perkembangan mata uang dan performance.
perekonomian Indonesia.
Dalam situasi yang masih penuh tantangan itu, In this challenging environment, Indonesia’s
perekonomian Indonesia tampak memiliki daya economy appears to be very resilient, and there is
tahan yang sangat baik, sehingga cenderung even a tendency towards stabilization. In 2023, the
stabil. Pada tahun 2023, Badan Pusat Statistik Central Bureau of Statistics (BPS) revealed that
(BPS) mengungkapkan, perekonomian Indonesia the Indonesian economy grew by 5.05%, a slight
tumbuh 5,05%, sedikit melambat dibandingkan slowdown compared to 5.31% in 2022.
tahun 2022 yang 5,31%.
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Sementara dari sisi industri perbankan, seiring Meanwhile, in the banking sector, there was a
dengan stabilnya kondisi perekonomian nasional, general improvement in performance in line with
kinerjanya secara umum juga membaik. Laporan the stabilization of national economic conditions.
Statistik Perbankan Indonesia yang dikeluarkan The Indonesian Banking Statistics Report issued by
Otoritas Jasa Keuangan (OJK) mengungkapkan, the Financial Services Authority (OJK) revealed that
total penyaluran kredit per Desember 2023 tumbuh total lending as of December 2023 grew Rp7,187
sebesar 10,38% dibandingkan Desember 2022. trillion, 10.38% compared to December 2022.
Sedangkan dari sisi Dana Pihak Ketiga (DPK), Meanwhile, in terms of third-party funds (DPK),
yang dihimpun perbankan per Desember 2023 as of December 2023, banks had collected a total
mencapai Rp8.458 triliun. Dibandingkan Desember of Rp8,458 trillion. Compared to December 2022,
2022 yang sebesar Rp8.154 triliun, terjadi kenaikan which was Rp8,154 trillion, there was an increase of
3,73%. 3.73%.
Untuk permodalan, kinerja bank umum makin In terms of capital, the performance of commercial
solid. Per Desember 2023, rasio kecukupan modal banks is increasingly solid. The capital adequacy
perbankan (CAR) tercatat 28,35%. Sedangkan ratio (CAR) of banks stood at 28.35% in December. In
periode yang sama tahun sebelumnya sekitar the same period a year earlier, it was around 25.56%.
25,56%.
PENCAPAIAN KINERJA BANK BANK’S PERFORMANCE
Tantangan/Kendala yang di Hadapi Challenges/Constraints Faced by Hana
Bank Hana Bank
Kondisi perekonomian nasional yang kuat dan Strong and relatively stable national economic
relatif stabil ikut mendukung pulihnya aktivitas conditions have contributed to the recovery of
perekonomian masyarakat, sehingga mendorong people’s economic activity, thereby boosting banks
pertumbuhan kredit perbankan. Situasi ini credit growth. Hana Bank was able to optimize this
mampu dioptimalkan oleh Bank Hana dengan situation by delivering results that were generally
membukukan kinerja yang secara umum telah consistent with the Bank’s plans and targets.
sejalan dengan rencana dan target Bank.
Namun demikian, Bank juga menghadapi However, the Bank faced numerous challenges
berbagai tantangan di sepanjang tahun 2023. in 2023. Externally, the growing use of digital
Secara eksternal, penggunaan teknologi digital technology is changing people’s behavior,
yang berkembang terus mendorong perubahan transforming them into consumers who value
perilaku masyarakat menjadi konsumen yang lebih the ease and convenience of transactions while
mengedepankan kemudahan dan kenyamanan prioritizing security.
dalam bertransaksi, seraya tetap mengutamakan
keamanan.
Selain itu, inovasi-inovasi yang ditempuh industri Furthermore, innovations by the banking industry
perbankan untuk menghadirkan teknologi to provide superior financial technology have
finansial yang unggul kian mengetatkan increased competition in the industry. Similarly,
persaingan di industri. Begitu juga dengan kondisi macroeconomic conditions, such as high global
makroekonomi, seperti tingginya inflasi global, inflation, rising interest rates by central banks, and
kenaikan suku bunga bank sentral, serta konflik protracted geopolitical conflicts, may affect the
geopolitik yang berlarut-larut dapat memengaruhi Bank’s ability to achieve its highest performance.
performa Bank dalam mencatatkan kinerja
terbaiknya.
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Direksi
Board of Directors
Geoffry Nugraha Jong Jin Park Ratna Ningsih
Direktur Bisnis Direktur Utama Direktur Kredit
Business Director President Director Credit Director
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Seong Hyeok Mun Sang Keun Kwak Bayu Wisnu Wardhana
Direktur Keuangan Direktur Teknologi Informasi Direktur Kepatuhan dan Legal
FInance Director Information Technology Director Compliance & Legal Director
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Kebijakan kenaikan suku bunga merupakan The policy of rising interest rates presents a
tantangan yang harus dihadapi oleh perbankan challenge for Indonesian banks, including Bank
di Indonesia, termasuk Bank Hana. Namun harus Hana. However, it is important to note that the BI
diakui bahwa kenaikan suku bunga BI, selain rate hike was not only intended to reduce inflation,
meredam inflasi, terutama untuk meredakan but also to relieve pressure on the rupiah exchange
tekanan terhadap nilai tukar rupiah seiring rate in response to rising interest rates in developed
dengan kenaikan suku bunga di negara maju. countries. The stability of the rupiah exchange
Stabilisasi kurs rupiah tersebut sangat penting rate is very important for the economy, given that
bagi perekonomian, mengingat Indonesia masih Indonesia is still a large importer.
banyak melakukan impor.
Tantangan lain yang dihadapi oleh Bank Another challenge faced by the Bank relates to
berkenaan dengan adanya peraturan baru BI the new BI regulation on Export Foreign Exchange
mengenai Devisa Hasil Ekspor (DHE). Eksportir Earnings (DHE). Exporters are required to invest
diwajibkan melakukan investasi hasil ekspornya their export proceeds through the placement
melalui instrumen penempatan DHE sumber daya instrument of DHE natural resources. Then, in
alam. Kemudian, dalam hal terdapat kebutuhan case there is a need to determine the placement
untuk menetapkan instrumen penempatan dan instrument and the use of DHE, the determination
pemanfaatan atas DHE tersebut, penetapannya is made by Bank Indonesia.
dilakukan oleh Bank Indonesia.
Strategi dan Kebijakan Strategis Strategy and Strategic Policies
Merespons berbagai tantangan di tengah kondisi In response to various challenges amidst
bisnis yang kian menantang, Direksi beserta seluruh increasingly challenging business conditions, the
jajaran manajemen senantiasa berperan aktif Board of Directors and all levels of management
dalam menavigasi, memitigasi, dan beradaptasi continue to play an active role in navigating,
dengan cepat serta tepat dalam melakukan mitigating, and adapting quickly and accurately in
perumusan strategi serta menentukan kebijakan- formulating strategies and determining strategic
kebijakan strategis guna memaksimalkan kinerja policies to maximize Bank Hana’s performance.
Bank Hana. Rencana Bisnis Bank (RBB) 2023-2025 The Bank’s Business Plan (RBB 2023–2025 remains
tetap menjadi acuan utama penerapan strategi the main reference for implementing the Bank’s
Bank. strategy.
Sebagai upaya untuk memperkuat penetrasi pasar In order to increase market penetration and
dan meningkatkan daya saing, inisiatif strategis competitiveness, the Bank’s strategic initiatives
yang direalisasikan Bank difokuskan untuk terus focused on driving long-term sustainable growth
mendorong pertumbuhan berkelanjutan bisnis in conventional business and developing reliable
konvensional dan mengembangkan layanan digital banking services. People’s lifestyles have
perbankan digital yang dapat diandalkan. changed, and the need for more efficient and
Pergeseran gaya hidup masyarakat yang kini productive use of digital-based services has led the
didominasi oleh kebutuhan terhadap penggunaan Bank to continue to explore new opportunities and
layanan berbasis digital yang lebih efisien dan technologies, as well as to innovate in the delivery
produktif membuat Bank terus mengeksplorasi of operational activities that focus on customer
peluang dan teknologi baru serta berinovasi dalam service.
menjalankan kegiatan operasional yang berfokus
pada pelayanan nasabah.
Bank terus menciptakan customer experience The Bank continues to develop a faster, easier,
yang lebih cepat, mudah, dan aman dengan and safer customer experience, supported by
didukung oleh jalinan kerja sama dengan pihak collaboration with other third parties in accordance
ketiga lainnya sesuai dengan RBB yang telah with the provisions set forth in the Bank’s RBB.
dirumuskan. Pemutakhiran layanan mobile Updates to the Bank’s mobile and internet banking
banking dan internet banking milik Bank terus services continue to be developed in accordance
dikembangkan sesuai dengan kebutuhan nasabah, with customer needs, particularly in terms of
terutama dalam meningkatkan keamanan melalui improving security through the implementation of
implementasi verifikasi biometric dalam proses biometric verification in the E-KYC process.
E-KYC.
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Adapun aplikasi My Hana mobile banking sebagai The My Hana mobile banking application, as one
salah satu layanan digital melengkapi fitur of the digital services, complements its superior
unggulannya melalui Hana AIdvisor sebuah fitur features with Hana AIdvisor, a digital mutual fund
reksa dana digital, sehingga lebih komprehensif. feature, making it more comprehensive. Increased
Peningkatan digitalisasi layanan perbankan digitization of banking services is expected to bring
diharapkan mampu memberikan keuntungan benefits in terms of ease of access, accuracy of
dari sisi kemudahan akses, ketepatan layanan, service, and eventually extending the Bank’s reach
hingga memperluas jangkauan Bank terhadap to customers. The Bank’s commitment to providing
nasabah. Kesungguhan Bank dalam menyediakan cutting-edge digital services is evidenced by two
jasa pelayanan digital yang mutakhir dibuktikan awards, namely “Indonesia Best Digital Finance
dengan diraihnya penghargaan “Indonesia Best Awards 2023” and “Digital Brand Awards 2023.”
Digital Finance Awards 2023” dan “Digital Brand
Awards 2023.”
Tak kalah pentingnya, Bank sangat hati-hati Last but not least, the Bank takes great care to
dalam menjaga profitabilitas, marjin deposito, maintain profitability, deposit margins, and loan
serta penyaluran pinjaman. Begitu pun terhadap disbursement. The same applies to setting interest
penetapan suku bunga. rates.
Untuk memitigasi kemungkinan likuiditas dolar To mitigate the possibility of tightening US
Amerika Serikat (AS) menjadi lebih ketat, Bank dollar liquidity, the Bank continues to receive
terus mendapat dukungan dari Hana Financial support from the HFG Head Quarter through the
Group (HFG) melalui Committed US Dollar Loan. committed US dollar loan. This initiative anticipates
Inisiatif ini dalam rangka mengantisipasi kenaikan an increase in US dollar interest rates or a decrease
suku bunga dolar AS atau pengurangan likuiditas in dollar liquidity in the market.
dolar di pasar.
Bank Hana juga mengantisipasi kemungkinan Bank Hana also anticipates the possibility of
timbulnya risiko perlambatan ekonomi akibat an economic slowdown due to political events,
adanya peristiwa politik, yakni pemilihan umum. specifically general elections. The Bank believes
Dinamika tersebut, dalam pandangan Bank, dapat that these dynamics may have an impact on
mempengaruhi consumer confident terhadap consumer confidence in Indonesia’s economic
pertumbuhan ekonomi Indonesia. growth.
Untuk memitigasi risiko tersebut, dengan To mitigate this risk, the Bank, with the support
dukungan kantor pusat, Bank terus meningkatkan of the headquarters, continues to improve the
prinsip kehati-hatian dalam melakukan onboarding principle of prudence in the onboarding and
dan underwriting pinjaman baru. Bank juga underwriting of new loans. The bank has also
menerapkan sejumlah parameter baru sebagai implemented a number of new parameters as
bagian dari penerapan manajemen risiko dalam part of its risk management practices in the
pengembangan portofolio pinjaman. development of its loan portfolio.
Pada saat bersamaan, Bank juga meningkatkan At the same time, the Bank has also increased third-
penghimpunan dana pihak ketiga dari nasabah party funding from customers through traditional
melalui sistem bank konvensional dan bank digital banking systems and digital banks, which are lower
yang biayanya lebih rendah dan tidak sensitif in cost and less sensitive to interest rate changes.
terhadap perubahan suku bunga.
Selain prinsip kehati-hatian dalam In addition to adherence to prudence in
mengembangkan pinjaman, Bank juga lebih hati- developing loans, the Bank is also more prudent in
hati dalam biaya. Bank lebih fokus ke pengeluaran spending. The Bank is more focused on spending
terhadap hal-hal produktif yang menghasilkan on productive things that generate a rate of return.
tingkat pengembalian pada Bank. Kendati Nevertheless, the Bank continues to improve
demikian, Bank terus meningkatkan kesejahteraan employee welfare without compromising the
karyawan tanpa harus mengorbankan profitabilitas Bank’s profitability.
Bank.
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Peran Direksi dalam Perumusan Role of the Board of Directors in the
Strategi dan Kebijakan Strategis Formulation of Strategies and Strategic
Policies
Mengacu pada Peraturan Otoritas Jasa Keuangan According to the Financial Services Authority
(POJK) Nomor 5/POJK.03/2016 tentang Rencana Regulation (POJK) Number 5/POJK.03/2016 on
Bisnis Bank, salah satu yang diamanatkan kepada Bank Business Plans, one of the Board of Directors
Direksi adalah kewajiban untuk mengomunikasikan mandates is to communicate the RBB to all levels
RBB kepada seluruh jenjang organisasi yang ada di of the Bank’s organization. In addition, the Board of
Bank. Selain itu, Direksi juga melaksanakan RBB Directors successfully implemented the RBB.
secara efektif.
Mengingat pentingnya implementasi strategi dan Recognizing the importance of the implementation
kebijakan strategis dalam mengarahkan Bank of strategies and strategic policies in guiding the
untuk mencapai sasaran strategi yang ditetapkan, Bank towards the achievement of its strategic
dalam perumusannya, Direksi melakukan objectives, the Board of Directors has sharpened
penajaman terhadap strategi Bank. Upaya itu the Bank’s strategy in its formulation. This is done
senantiasa dilakukan dengan menganalisis by analyzing the Company’s internal and external
situasi internal dan eksternal perusahaan untuk situation to understand the business environment
memahami lingkungan bisnis dan tantangan yang and the challenges it faces, and by defining the
harus dihadapi, serta menentukan tujuan strategis Bank’s strategic objectives.
Bank.
Selanjutnya dibahas dalam forum pembahasan Furthermore, it is discussed in the RBB discussion
RBB yang hasil penyusunannya harus diserahkan forum, the results of which must be submitted to the
kepada Dewan Komisaris untuk mendapatkan Board of Commissioners for approval. The Bank’s
persetujuan. Penyusunan kebijakan dan strategi business policies and strategies to be implemented
bisnis Bank yang diimplementasikan sepanjang throughout 2023 have been prepared by the Board
tahun 2023 telah disusun oleh Direksi dan of Directors and set out in the Bank’s Business Plan
dituangkan ke dalam Rencana Bisnis Bank (RBB) (RBB) 2023-2025, which has been approved by the
2023-2025 yang telah mendapatkan persetujuan Board of Commissioners.
dari Dewan Komisaris.
Proses yang Dilakukan Direksi untuk Processes Undertaken by the Board
Memastikan Implementasi Strategi of Directors to Ensure Strategy
Implementation
Dalam memastikan implementasi strategi dan To ensure that the Bank’s strategies and strategic
kebijakan strategis Bank dapat berjalan optimal, policies are implemented as effectively as possible,
Direksi melakukan penjabaran yang diperlukan the Board of Directors performs the necessary
sebagaimana yang tertuang dalam RBB. Hal preparatory work outlined in the RBB. This is
ini penting untuk dilakukan dalam rangka necessary to ensure that the strategies and
memastikan implementasi strategi dan kebijakan strategic policies are implemented appropriately
strategis berada dalam jalur yang tepat dan and that the objectives are met to the fullest extent
mampu menghasilkan pencapaian target yang possible.
maksimal.
Di bawah arahan dan pengawasan dari Dewan Under the direction and supervision of the Board of
Komisaris, Direksi juga senantiasa mengawasi Commissioners, the Board of Directors continuously
dan memastikan implementasi strategi dapat monitors and ensures that the strategy is well
terlaksanakan dengan baik di setiap level organisasi implemented at all levels of the organization by
melalui penerapan Key Performance Indicator using Key Performance Indicators (KPI).
(KPI).
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Perbandingan Target dan Realisasi Comparison of Target and Realisation
Tahun 2023 in 2023
Penyusunan strategi bisnis yang terukur serta The formulation of a measurable business strategy
penerapannya yang konsisten dan terkendali, and its consistent and controlled implementation
sangat mendukung Bank untuk mencatatkan have helped the Bank achieve solid growth. This is
pertumbuhan yang solid. Hal ini tercermin dari reflected in the Bank’s achievement of total assets
pencapaian total aset Bank di tahun 2023 yang in 2023 of Rp46.89 trillion, an increase of 0.39% from
mencapai Rp46,89 triliun, meningkat 0,39% Rp46.70 trillion recorded in the previous year.
dari Rp46,70 triliun yang dicatatkan di tahun
sebelumnya.
Selain itu, Bank juga berhasil menghimpun In addition, the Bank also managed to collect
simpanan berupa giro, tabungan, dan deposito deposits collected from current accounts, savings,
sebesar Rp26,23 triliun dibanding tahun 2022 and time deposits Rp26.23 trillion compared to
sebesar Rp26,89 triliun. Begitu pula dengan Rp26.89 trillion in 2022. Similarly, loans disbursed
pinjaman yang disalurkan untuk kredit modal for working capital loans, investment loans, and
kerja, kredit investasi, dan kredit konsumsi consumption loans were recorded at Rp34.32
tercatat sebesar Rp34,32 triliun meningkat trillion, an increase of 5.13% compared to 2022 of
5,13% dibandingkan tahun 2022 sebesar Rp32,65 Rp32.65 trillion. This improvement in operational
triliun. Peningkatan kinerja operasional ini turut performance also boosted the Bank’s financial
mendorong pencapaian kinerja keuangan Bank. performance. In 2023, the Bank managed to record
Pada tahun 2023, Bank berhasil mencatatkan a net profit of Rp453.21 billion, slightly decrease of
laba bersih sebesar Rp453,21 miliar, menurun tipis 0.96% from Rp457.59 billion in the previous year.
-0,96% dari Rp457,59 miliar di tahun sebelumnya.
Kinerja yang baik juga ditunjukkan oleh rasio- Good performance was also reflected in the
rasio keuangan yang mencatatkan pertumbuhan financial ratios that recorded growth compared to
dibandingkan tahun sebelumnya. Kemampuan the previous year. Hana Bank’s ability to meet its
Bank Hana dalam memenuhi kewajiban jangka short-term and long-term obligations as indicated
pendek dan jangka panjang yang ditunjukkan dari by the Net Stable Funding Ratio (NSFR) and
net stable funding ratio (NSFR) serta Kewajiban minimum Capital Adequacy Ratio (CAR) continued
Penyediaan Modal Minimum (KPMM) tetap to meet the minimum limits set by the regulator.
memenuhi batas minimum yang ditetapkan
regulator.
Begitu pula dengan rasio non-performing loan Similarly, the non-performing loan (NPL) ratio was
(NPL) yang tetap terjaga dan menunjukkan kualitas maintained, reflecting the good quality of Hana
aset Bank Hana yang baik. Kemampuan Bank Bank’s assets. Bank Hana’s ability to generate profits
Hana dalam memperoleh keuntungan dengan from its various resources was also increasing, as
mengandalkan berbagai sumber daya yang shown by the increase in Return on Assets (ROA)
dimiliki juga semakin meningkat, sebagaimana and Return on Equity (ROE).
ditunjukkan dari peningkatan return on asset
(ROA) dan return to equity (ROE).
Kinerja Bank tahun 2023 secara umum terus The Bank’s performance in 2023 has generally
mengalami perbaikan dibandingkan tahun continued to improve compared to the previous
sebelumnya, kinerja tersebut secara umum berada year, with its performance generally above the
di atas target yang ditetapkan dalam RBB. target set in the RBB.
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
(dalam jutaan rupiah, kecuali dinyatakan lain)
(in million rupiah, unless stated otherwise)
Pencapaian
Realisasi
Uraian Target RBB Achievement Description
Realisation
(%)
Total Aset 46.883.866 48.194.105 97,28% Total Assets
Kredit 34.324.051 33.500.009 102,46% Loans
Simpanan Nasabah 26.229.093 27.000.000 97,14% Customer Deposits
Laba Bersih 453.209 390.456 116,07% Net Profit
Rasio Pengembalian Aset 1,34% 1,17% 114,53% Return on Asset (%)
Rasio Pengembalian 4,42% 3,72% 118,82% Return to Equity (%)
Ekuitas (%)
Biaya Operasional terhadap 81,90% 83,85% 97,67% Operating Expenses to
Pendapatan Operating Income (%)
Operasional (BOPO) (%)
Rasio Pinjaman terhadap 128,27% 124,07% 103,39% Loan to deposit ratio (%)
Simpanan Masyarakat (%)
Rasio Kredit Bermasalah - 0,86% 1,25% 68,80% Non-performing loan ratio -
Bruto (%) gross (%)
Rasio Kecukupan Minimum 28,35% 26,96% 105,16% Capital Adequacy Ratio
(KPMM) (%) (CAR) (%)
Margin Bunga Bersih (%) 4,33% 4,15% 104,34% Net Interest Margin (%)
PROSPEK USAHA BUSINESS PROSPECTS
Di tengah isu perlambatan ekonomi global di Amidst the issue of a global economic slowdown in
tahun 2024, Bank melihat prospek perekonomian 2024, the Bank sees Indonesia’s economic outlook
Indonesia masih berdaya tahan kuat seiring as still strong, along with various macroeconomic
dengan berbagai indikator makroekonomi yang indicators that are quite manageable compared to
cukup terkendali dibandingkan negara-negara lain other countries in the region. Bank Indonesia (BI)
di kawasan. Bank Indonesia (BI) memproyeksikan projects Indonesia’s economic growth in 2024 to be
pertumbuhan ekonomi Indonesia tahun 2024 in the range of 4.7–5.5%.
berada dalam rentang 4,7-5,5%.
Prospek tersebut, seperti disampaikan oleh BI The outlook, as stated by BI in a press release on
melalui siaran pers 21 Februari 2024, dipengaruhi 21 February 2024, was influenced by improving
oleh membaiknya ekspor sejalan dengan exports, in line with the increase in global economic
peningkatan pertumbuhan ekonomi dunia serta growth, and continued good domestic demand,
tetap baiknya permintaan domestik didukung supported by the positive confidence of economic
oleh positifnya keyakinan pelaku ekonomi. agents. Household consumption and investment,
Konsumsi rumah tangga dan investasi khususnya especially non-building investment, need to be
nonbangunan perlu terus didorong agar dapat further stimulated to support sustainable economic
mendukung pertumbuhan ekonomi yang growth.
berkelanjutan.
Bank Indonesia akan terus memperkuat Bank Indonesia will continue to strengthen the
bauran kebijakan, khususnya melalui kebijakan policy mix, particularly through macroprudential
makroprudensial dan kebijakan sistem policy and payment system policy. BI is also working
pembayaran. BI juga bersinergi dengan stimulus in synergy with the government’s fiscal stimulus
fiskal pemerintah guna mendorong pertumbuhan to boost economic growth, particularly from the
ekonomi, khususnya dari sisi permintaan domestik. domestic demand side.
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Selaras dengan perkiraan BI, Bank Hana In line with BI’s forecast, Hana Bank expects
memperkirakan perekonomian Indonesia akan Indonesia’s economy to continue to grow at around
tetap tumbuh di kisaran 5% pada tahun 2024. Bank 5% in 2024. The Bank’s assessment is that economic
menilai kondisi ekonomi tidak banyak mengalami conditions have not changed much, especially in
perubahan, terutama dari sisi Anggaran light of the prepared 2024 State Budget (APBN).
Pendapatan dan Belanja Negara (APBN) 2024 yang Private investment should also remain relatively
telah disusun. Begitu pun dengan investasi swasta stable.
yang mungkin relatif stabil.
Kendati demikian, Bank Hana akan tetap Nevertheless, Hana Bank will remain vigilant about
mewaspadai perkembangan yang terjadi ke future developments. The implementation of risk
depan. Penerapan manajemen risiko juga akan management will also continue to be improved.
terus ditingkatkan.
Berkenaan dengan rencana pencapaian target With regard to the plan to achieve business targets,
usaha, Bank akan meningkatkan portofolio the Bank will increase its loan and deposit portfolio,
pinjaman dan DPK, namun tidak secara agresif, but not aggressively, while maintaining prudence.
tetap dengan prinsip kehati-hatian. Selain itu, yang In addition, the Bank will also improve the
Bank juga meningkatkan kesehatan portofolio soundness of its lending portfolio and the Bank’s
penyaluran kredit serta profitabilitas Bank. profitability.
Melalui strategi tersebut dan melihat With this strategy and taking into account the
perkembangan kondisi eksternal, prospek Bank evolution of external conditions, the Bank’s outlook
masih tetap positif. Apalagi, Indonesia menjadi remains positive. Moreover, Indonesia is one of
salah satu negara di dunia dengan perekonomian the countries in the world with an economy that
yang tetap tumbuh sehat. Bahkan di lingkungan continues to grow healthily. Even within Southeast
Asia Tenggara merupakan salah satu negara Asia, it is one of the best-performing countries.
dengan kinerja ekonomi yang terbaik.
Terkait peningkatan Dana Pihak Ketiga (DPK), Bank In terms of increasing third-party deposits, the
fokus pada nasabah baru, baik korporat, komersial, Bank is focusing on new customers, both corporate,
maupun UKM. Untuk mewujudkannya, Bank Hana commercial, and SME. To achieve this, Hana Bank
akan meningkatkan jumlah produk perbankan will increase the number of banking products
dalam hal cross selling, melakukan trade finance, in terms of cross-selling, trade finance, foreign
foreign exchange, treasury, dan lainnya. exchange, treasury, and others.
Selain itu, Bank telah menyiapkan strategi dalam In addition, the Bank has prepared strategies to
rangka memperkuat komitmen Bank untuk strengthen its commitment to achieve sustainable
meraih pertumbuhan berkelanjutan berdasarkan growth based on solid financial health. The Bank will
pada kesehatan finansial yang solid. Bank akan continue to improve the quality of digital banking
terus meningkatkan kualitas digital banking dan and reduce the expansion of its offline office
mengurangi ekspansi jaringan kantor offline dalam network in order to provide customized products
rangka menyediakan produk dan layanan yang and services for various customer segments.
disesuaikan (customized) untuk berbagai segmen
nasabah.
Bank juga akan terus mengembangkan dan The Bank will also continue to develop and
memperkuat lini bisnis yang dapat menghasilkan strengthen business lines that can generate fee-
fee based income dari bisnis yang sudah based income from existing businesses. In terms
berjalan saat ini. Dari segi pelayanan, Bank akan of service, the Bank will strengthen the concept
mengukuhkan konsep one-stop banking service of one-stop banking service to create a practical
untuk menciptakan customer experience yang and fast customer experience, in line with the
praktis dan cepat, sejalan dengan penguatan strengthening of the existing biometric e-KYC
proses e-KYC Biometric yang sekarang ada melalui process through the development of digital
pengembangan verifikasi tanda tangan digital. signature verification.
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Seluruh strategi tersebut akan diimplementasikan All of these strategies will be implemented by
dengan mengedepankan prinsip kehati-hatian prioritizing prudent and measured principles, as
dan terukur, serta memperkuat likuiditas guna well as strengthening liquidity, in order to face
menghadapi beragam tantangan dan risiko bisnis various challenges and business risks that could
yang berpotensi muncul di kemudian hari. potentially arise in the future.
PENERAPAN TATA KELOLA IMPLEMENTATION OF GOOD
PERUSAHAAN YANG BAIK CORPORATE GOVERNANCE
Penerapan tata kelola perusahaan yang baik good The Bank has committed to providing added
corporate governance (GCG) pada setiap aspek value to shareholders and other stakeholders
operasional perusahaan telah menjadi komitmen by implementing good corporate governance
Bank guna memberikan nilai tambah bagi (GCG) in all aspects of its operations. The Bank
Pemegang Saham dan pemangku kepentingan acknowledges that the implementation of the GCG
lainnya. Bank menyadari bahwa penerapan GCG is a fundamental element that must be owned in
merupakan elemen fundamental yang harus order to maintain prudent business continuity over
dimiliki untuk menjaga keberlangsungan bisnis the long term.
yang prudent dalam jangka panjang.
Penerapan GCG pada Bank Hana terutama The implementation of GCG at Hana Bank is
didasarkan pada 5 (lima) prinsip dasar, yaitu: primarily based on 5 (five) basic principles, namely:
transparansi, akuntabilitas, tanggung jawab, transparency, accountability, responsibility,
independensi, serta kewajaran dan kesetaraan. independence, as well as fairness and equality.
Perjalanan dinamika perekonomian dan bisnis The journey of economic and business dynamics
juga mendorong Bank untuk senantiasa also encourages the Bank to always pay attention to
memperhatikan dan memahami sistem and understand the integrated risk management
manajemen risiko terintegrasi dalam menyikapi system in addressing the impacts that have the
dampak yang berpotensi berpengaruh terhadap potential to affect the Bank’s operations. Therefore,
operasional Bank. Oleh karena itu, Bank Hana Hana Bank has conducted a thorough review of the
telah melakukan penelaahan secara menyeluruh potential risks that may persist, both from credit
terhadap potensi-potensi risiko yang mungkin risk, business competition, and the complexity of
masih akan terus berlangsung, baik dari risiko kredit, other external factors, taking them into account
persaingan bisnis, hingga kompleksitas faktor in determining the type of risk mitigation applied.
eksternal lainnya menjadi dasar pertimbangan As for mitigating potential fraud related to digital
jenis mitigasi risiko yang diterapkan. Adapun untuk banking products and services, the Bank has
memitigasi adanya potensi fraud terkait dengan implemented Fraud Detection System, IT Security,
produk dan layanan perbankan digital, Bank telah and other integrated measures by all related work
menerapkan Fraud Detection System, IT Security, units.
dan langkah-langkah terpadu lainnya oleh seluruh
unit kerja terkait.
Dalam rangka melakukan perbaikan dan With regard to continuous improvement and
peningkatan kualitas yang berkesinambungan enhancement of governance implementation
atas pelaksanaan tata kelola, Bank secara rutin quality, the Bank routinely conducts self-
melakukan penilaian sendiri (self-assessment) assessment in terms of governance structure,
yang ditinjau dari aspek governance structure, governance process, and governance outcome. In
governance process, dan governance outcome. 2023, the Bank obtained a GCG composite score of 2,
Pada tahun 2023, Bank memperoleh nilai komposit which reflects that the management of Hana Bank
GCG peringkat 2 yang mencerminkan manajemen has implemented generally good governance.
Bank Hana telah melakukan penerapan tata kelola
yang secara umum baik.
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TANGGUNG JAWAB SOSIAL DAN CORPORATE SOCIAL AND
LINGKUNGAN PERUSAHAAN ENVIRONMENTAL RESPONSIBILITY
Bank secara konsisten terus melanjutkan The Bank consistently continues its commitment to
komitmen untuk menjaga dan meningkatkan maintain and enhance the principles of sustainable
prinsip keuangan berkelanjutan. Oleh karena finance. Therefore, the Bank’s operational
itu, rangkaian kegiatan operasional Bank tidak activities are inseparable from its commitment
terlepas dari komitmen usaha keberlanjutan to sustainability based on socio-environmental
yang berlandaskan pada tanggung jawab sosial- responsibility.
lingkungan.
Terkait komitmen tersebut, Bank terus Related to this commitment, the Bank continues
menyempurnakan kebijakan aktivitas pembiayaan to refine its financing activity policies in
sesuai dengan Environmental and Social Risk accordance with the Environmental and Social Risk
Management System (ESMS). Sepanjang tahun Management System (ESMS). Throughout 2023, the
2023, Bank telah berhasil menyalurkan pembiayaan Bank has successfully disbursed financing related
berkaitan dengan keuangan berkelanjutan yang to sustainable finance that also has a positive
turut memberikan pengaruh positif terhadap impact on the environmental and social aspects of
aspek lingkungan maupun sosial masyarakat. the community.
Selain itu, peningkatan faktor internal dengan In addition, improving internal factors by focusing
menitikberatkan pada kesejahteraan karyawan on employee well-being is one of the Bank’s main
menjadi salah satu fokus utama Bank sebagai focuses as a key indicator of business sustainability.
indikator penentu keberlangsungan usaha. Various training and competency development
Berbagai program pelatihan dan pengembangan programs have been realized to support the
kompetensi telah direalisasikan guna menunjang needs of each employee position, organized both
kebutuhan masing-masing posisi karyawan, baik internally as well as in collaboration with third
dilangsungkan secara internal maupun bekerja parties.
sama dengan pihak ketiga.
Upaya-upaya tersebut merupakan wujud These efforts are a form of the Bank’s support
dukungan dan kolaborasi Bank dalam mencapai and collaboration in achieving the Sustainable
Tujuan Pembangunan Berkelanjutan (SDGs) yang Development Goals (SDGs) that have been
telah dicanangkan bersama dengan pemerintah. launched together with the government.
PENILAIAN KINERJA KOMITE DI BAWAH PERFORMANCE ASSESSMENT OF
DIREKSI COMMITTEES UNDER THE BOARD OF
DIRECTORS
Dalam melaksanakan tugas kepengurusan, Direksi The Board of Directors is assisted in carrying out its
didukung oleh 9 (sembilan) komite di bawahnya, management duties by 9 (nine) committees that
sebagai bagian dari penerapan asas transparansi report to the Board as part of the implementation of
dan penguatan pengawasan internal. Komite- the transparency principle and the strengthening
komite tersebut adalah Komite Aset dan Liabilitas of internal control. These committees include
(ALCO), Komite Manajemen Risiko, Komite the Asset and Liability Committee (ALCO), Risk
Kredit, Komite Kebijakan Perkreditan, Komite Management Committee, Credit Committee,
Investigasi Kredit, Komite Pengarah Teknologi Credit Policy Committee, Credit Investigation
Informasi, Komite Sumber Daya Manusia, Komite Committee, Information Technology Steering
Pengembangan Produk, dan Komite Investigasi Committee, Human Resources Committee, Product
Fraud. Development Committee, and Fraud Investigation
Committee.
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Dalam pandangan Direksi, sepanjang tahun 2023 In the opinion of the Board, these committees have
komite-komite tersebut telah menjalankan tugas performed their duties and functions well during
dan fungsinya dengan baik. Penilaian tersebut, the 2023. At the very least, evaluation is based on
setidaknya diukur melalui indikator rekomendasi indicators such as recommendations made and
yang diberikan serta tingkat kehadiran dalam attendance at meetings.
rapat.
Bagi Direksi, rekomendasi yang telah disampaikan For the Board of Directors, the recommendations
oleh komite-komite termasuk menjadi bahan submitted by the committees are taken into
pertimbangan Direksi dalam mengambil account by the Board of Directors in making
keputusan. decisions.
PERUBAHAN KOMPOSISI ANGGOTA CHANGES IN THE COMPOSITION OF
DIREKSI DAN ALASANNYA THE BOARD OF DIRECTORS AND THE
REASONS THEREOF
Sepanjang tahun 2023 telah terjadi 2 (dua) kali Throughout 2023, the Board of Directors’
perubahan komposisi Direksi. Pertama, keputusan composition changed two times. First, a written
tertulis para Pemegang Saham sebagai pengganti resolution of the shareholders in lieu of the
Rapat Umum Pemegang Saham Luar Biasa Extraordinary General Meeting of Shareholders
(RUPSLB) tanggal 17 April 2023, telah menyetujui (EGMS) dated 17 April 2023 has approved Hang
pengunduran diri Hang Keun Cho dari jabatannya Keun Cho’s resignation as Director effective on May
sebagai Direktur terhitung 5 Mei 2023 dan 5, 2023, and his successor, Seong Hyeok Mun as
mengangkat penggantinya Seong Hyeok Mun Director.
sebagai Direktur.
Kedua, Rapat Umum Pemegang Saham (RUPS) Second, on June 9, 2023, the Annual General
Tahunan tanggal 9 Juni 2023 menyetujui perubahan Meeting of Shareholders (GMS) has approved
susunan direksi dengan menerima pengunduran changes to the composition of the Board of
diri Junita Wangsadinata dari jabatannya sebagai Directors by accepting Junita Wangsadinata’s
Direktur efektif pada penutupan RUPS Tahunan, resignation as Director, effective at the closing of
dan mengangkat penggantinya Geoffry Nugraha the Annual GMS, and appointed her successor,
sebagai Direktur. RUPST juga telah menyetujui Geoffry Nugraha as Director. The AGMS also
pengangkatan kembali Sang Keun Kwak dan Bayu approved the re-appointment of Sang Keun Kwak
Wisnu Wardhana masing-masing sebagai Direktur. and Bayu Wisnu Wardhana respectively as Director.
Dengan demikian, komposisi Direksi hingga Thus, the composition of the Board of Directors
Laporan Tahunan ini diterbitkan adalah: until this Annual Report is published is:
Nama
Jabatan Position
Name
Jong Jin Park Direktur Utama President Director
Seong Hyeok Mun *)
Direktur Director
Bayu Wisnu Wardhana Direktur Director
Ratna Ningsih Direktur Director
Sang Keun Kwak Direktur Director
Anton Hermawan**) Direktur Director
Junita Wangsadinata***) Direktur Director
Geoffry Nugraha****) Direktur Director
Keterangan:
*)
Sdr. Seong Hyeok Mun efektif menjabat sebagai Direktur Keuangan tanggal 5 Mei 2023 (menggantikan Hang Keun Cho).
**)
Sdr. Anton Hermawan efektif mengundurkan diri sebagai Direktur tanggal 1 Januari 2024.
***)
Sdri. Junita Wangsadinata efektif mengundurkan diri sebagai Direktur pada penutupan RUPS Tahunan tanggal 9 Juni 2023.
****)
Sdr. Geoffry Nugraha efektif menjabat sebagai Direktur tanggal 15 Agustus 2023 (menggantikan Junita Wangsadinata).
Remarks:
*)
Mr. Seong Hyeok Mun effective as Finance Director on May 5, 2023 (replacing Hang Keun Cho).
**)
Mr. Anton Hermawan effectively resigned as Director on January 1, 2024.
***)
Ms. Junita Wangsadinata effectively resigned as a Director at the close of the AGMS on June 9, 2023.
***)
Mr. Geoffry Nugraha effective as Director on August 15, 2023 (replacing Junita Wangsadinata).
44 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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APRESIASI APPRECIATION
Sebagai penutup laporan ini, Direksi To conclude this report, the Board of Directors
menyampaikan terima kasih atas dukungan para would like to thank all stakeholders for their
pemangku kepentingan, baik secara langsung direct and indirect contributions to ensuring
maupun tidak langsung, sehingga kinerja Bank Hana Bank’s performance remains strong in
Hana pada tahun buku 2023 tetap solid. Dalam fiscal year 2023. During the process, the Board of
proses tersebut, Direksi menyadari bahwa para Directors acknowledged that stakeholders such
pemangku kepentingan seperti Pemegang Saham, as shareholders, the Board of Commissioners,
Dewan Komisaris, karyawan, bahkan regulator employees, and even regulators had made
telah memberikan andil yang sangat positif. significant positive contributions.
Direksi juga apresiasi yang tinggi kepada nasabah The Board of Directors also values customers’ trust
atas kepercayaan yang diberikan kepada Bank in Hana Bank. The Board of Directors looks forward
Hana. Direksi berhadap dapat terus menyajikan to continuing to provide the best financial products
produk dan layanan keuangan yang terbaik sesuai and services in line with the changing customer
dengan perkembangan kebutuhan nasabah. needs.
Tak lupa, Direksi menyampaikan penghargaan Finally, the Board of Directors would like to express
kepada para mitra yang telah menjadi bagian gratitude to the partners who have played an
penting dalam kegiatan operasional Bank. Direksi important role in the Bank’s operations. The Board
berharap kerja sama yang telah berjalan dengan of Directors hopes that the cooperation, which has
baik akan terus berkembang seiring dengan been going well, will continue to develop in line
rencana pencapaian target usaha Bank. with the Bank’s business plan.
Jakarta, April 2024
Atas Nama Direksi
On Behalf of the Board of Directors of
PT Bank KEB Hana Indonesia
Jong Jin Park
Direktur Utama
President Director
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 45
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Profil Perusahaan Corporate Profile
Page 51
Aspek Operasional
Operational Aspects
Bank Hana menjadi bank pertama
di Indonesia yang menggunakan
fitur robo advisor untuk memberikan
pengalaman baru bagi nasabah dalam
bertransaksi produk investasi reksa
dana.
Hana Bank is the first bank in Indonesia to
use the robo advisor feature to provide a new
experience for customers in transacting mutual
fund investment products.
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Identitas Perusahaan
Company Identity
PT Bank KEB Hana Indonesia
BIDANG USAHA TANGGAL PENDIRIAN
Line of Business Date of Establishment
Bank Umum 27 April 1971
Commercial Bank 27 April 1971
KODE BANK KODE SWIFT
Bank Code Swift Code
HNBNIDJA
484
PEMEGANG SAHAM
Share Ownership
KEB Hana Bank, Korea: 69,010%
LINE Financial Corporation: 20,000%
International Finance Corporation: 9,980%
Biantoro Setijo: 0,460%
Ludijanto Setijo: 0,300%
100% Lilana Gani: 0,125%
Lilik Setijo: 0,125%
STATUS PERUSAHAAN
Company’s Status
Perseroan Terbatas Tertutup yang Menjual Obligasi
Private Limited Liability Company Selling Bonds
ALAMAT PERUSAHAAN
Company’s Address
Mangkuluhur City Tower One Lt. 11
Jl. Jenderal Gatot Subroto Kav. 1-3 Jakarta Selatan, 12930
(+6221) 5081 1111
(+6221) 5081 1123
corp.info@hanabank.co.id
www.hanabank.co.id
hanabank.id Hana Bank Indonesia Hana Bank Indonesia hanabank.id PT Bank KEB Hana Indonesia
48 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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JARINGAN PERUSAHAAN TOTAL KARYAWAN
Company’s Network Employees
1.133
Bank Umum
Commercial Bank
39 Kantor Layanan di Seluruh Indonesia
Branch Offices throughout Indonesia
Orang pada tahun 2023
People in 2023
INFORMASI PERUBAHAN NAMA
Information on Changes of Name
• Perubahan Pertama: Surat Keputusan Menteri MODAL DASAR
Keuangan Republik Indonesia No. 1306/KMK.013/1989 Authorized Capital
tanggal 30 November 1989 tentang Pemberian Izin Rp4.600.000.000.000
Usaha Peningkatan Status PT Bank Pasar Pagi Madju
menjadi Bank Umum dengan Nama PT Bank Bintang
Manunggal di Jakarta;
• Perubahan Kedua: Surat Keputusan Gubernur Bank
MODAL DITEMPATKAN DAN DISETOR PENUH
Indonesia No. 10/20/KEP.GBI/2008 tanggal 18 Maret
Issued and Fully Paid-up Captal
2008 tentang Perubahan Izin Usaha Atas Nama PT
Bank Bintang Manunggal menjadi Izin Usaha Atas Rp3.160.092.563.000
Nama PT Bank Hana;
• Keputusan Dewan Komisioner Otoritas Jasa Keuangan
No. 6/KDK.03/2014 tanggal 11 Februari 2014 tentang
Pemberian Izin Penggabungan Usaha (Merger) PT
Bank KEB Indonesia ke dalam PT Bank Hana; dan AKTA PENDIRIAN
• Perubahan Ketiga: Keputusan Dewan Komisioner Deed of Establishment
Otoritas Jasa Keuangan No. 13/KDK.03/2014 tanggal 27 Akta No. 25 tanggal 27 April 1971 oleh Notaris Andjar
Juni 2014 tentang Penetapan Penggunaan Izin Usaha Djarkasih, pengganti dari Notaris Soedjono, di Jakarta.
Atas Nama PT Bank Hana menjadi Izin Usaha Atas Deed No. 25 dated 27 April 1971 by Notary Andjar
Nama PT Bank KEB Hana Indonesia. Djarkasih, a substitute for Notary Soedjono, di Jakarta.
• First Change of Name: Decree of Minister of Finance
of the Republic of No. 1306/KMK.013/1989 dated 30
November 1989 on Business Licence Issuance of
Status Improvement of PT Bank Pasar Pagi Madju to a JARINGAN ATM
Commercial Bank under the name of PT Bank Bintang ATM ATM Network
Manunggal in Jakarta;
• Second Change of Name: Decision Letter of the
Governor of Bank Indonesia No. 10/20/KEP.GBI/2008 ATM Bank Hana
169
dated 18 March 2008 on Change of Business Licence
ATM and CRM
Under the Name of PT Bank Bintang Manunggal to
Business Licence Under the Name of PT Hana Bank;
• The Decision of the Board of Commissoner of the
Financial Services Authority No. 6/KDK.03/2014 dated 11
Februari 2014 on Issuance of the authorisation for the ATM Prima
>97.000
merger of PT Bank KEB Indonesia into PT Hana Bank; ATM
and
• Third Change of Name: The Decision of the Board
of Commissioner of the Financial Services Authority
No. 13/KDK.03/2014 dated 27 June 2014 on the ATM Bersama
>81.505
Determination of the Use of Business Licence in the
Name of PT Bank Hana into a Business Licence in the ATM and CRM
Name of PT Bank KEB Hana Indonesia.
PERINGKAT
Rating
PT Fitch Ratings Indonesia
• National Long-Term Rating AAA (idn) Tahun 2023
• National Short -Term Rating F1+ (idn) Tahun 2023
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Riwayat Singkat
Brief History
PT Bank KEB Hana Indonesia (“Bank Hana”, “Bank”) PT Bank KEB Hana Indonesia (“Hana Bank,” “Bank”)
pertama kali didirikan pada tanggal 27 April 1971 was established on April 27, 1971, under the name
dengan nama PT Bank Pasar Pagi Madju sebagai of PT Bank Pasar Pagi Madju as one of the retail
salah satu bank pasar di Indonesia. Sekitar 18 tahun banks in Indonesia. Some eighteen years later,
kemudian, tepatnya pada 21 Juli 1989, Bank berubah on July 21, 1989, the Bank changed its name to PT
nama menjadi PT Bank Bintang Manunggal (Bank Bank Bintang Manunggal (Bima Bank), following
Bima) seiring dengan perubahan statusnya sebagai its status change into a commercial bank.
bank umum.
Dalam perjalanan usahanya, kepercayaan In the course of its business journey, public trust
masyarakat terhadap Bank terus meningkat. in the Bank has continued to increase. Especially
Apalagi, setelah lembaga keuangan terkemuka after South Korea’s leading financial institution,
asal Korea Selatan, yaitu Hana Financial Group Hana Financial Group, took over the majority of the
mengambil alih mayoritas saham Bank pada tahun Bank’s shares in 2007. Along with the change in
2007. Bersamaan dengan perubahan kepemilikan share ownership, the Bank’s name was changed to
saham, nama Bank pun berubah menjadi PT Bank PT Bank Hana on 14 December 2007.
Hana pada tanggal 14 Desember 2007.
Untuk mendukung ekspansi, pemegang saham To accommodate the Bank’s expansion program,
meningkatkan modal disetor Bank sebesar Rp300 the shareholder increased the Bank’s paid-up
miliar pada tahun 2008. Setahun setelah itu, capital by Rp300 billion in 2008. One year later, the
jaringan kantor layanan Bank terus meningkat network of Bank branch offices had increased to 20
menjadi 20 unit. offices.
Dalam rangka menghadirkan solusi finansial In order to provide the customer with suitable
yang mumpuni, Bank kemudian melakukan financial solutions, the Bank then conducted a
penggabungan usaha dengan PT Bank KEB business merger with PT Bank KEB Indonesia
Indonesia pada tahun 2013. Bersamaan dengan itu, in 2013. At the same time, the Bank’s name was
nama Bank menjadi PT Bank KEB Hana Indonesia changed to PT Bank KEB Hana Indonesia, or known
atau dikenal dengan nama Bank KEB Hana pada as Bank KEB Hana on May 14, 2014.
tanggal 14 Mei 2014.
Bank terus berupaya untuk meningkatkan daya The Bank strives continuously to increase its
saing di industri perbankan dengan pengakuan competitiveness within the banking industry,
merek yang lebih dikenal masyarakat luas. Terkait supported by the Bank’s well-known brand among
dengan komitmen tersebut, Bank KEB Hana the general public. With regards to the brand
melakukan perubahan merek menjadi Bank Hana commitment, Bank KEB Hana carried out another
yang mulai efektif sejak tahun 2020. change of name to Hana Bank, effective in 2020.
Langkah tersebut juga merupakan bagian dari The move was also part of the brand consistency
konsistensi merek yang telah digunakan oleh that has been implemented by the Group. In
grup. Selain itu, Bank terus bergerak lincah untuk addition, the Bank continues to move with agility to
memperluas area segmentasi pasar, terutama broaden its market segmentation areas, especially
untuk menyasar pelanggan berbasis ritel dengan to target retail-based customers by attracting
menarik pelanggan muda. younger customers.
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Sejak tahun 2021, Bank membangun kerja sama Since 2021, the Bank has pursued collaboration
dengan LINE Financial Plus Corporation untuk with LINE Financial Plus Corporation to launch LINE
meluncurkan LINE Bank by Hana Bank (LINE Bank) Bank by Hana Bank (LINE Bank), which features
yang menghadirkan sejumlah inovasi produk a number of innovative digital banking products
dan layanan perbankan berbasis digital. Bank and services. The Bank is committed to becoming
berkomitmen untuk senantiasa hadir menjadi a trusted financial partner for the community,
mitra keuangan masyarakat yang dapat dipercaya supported by reliable technology and a robust
dengan ditunjang oleh teknologi andal dan digital ecosystem.
ekosistem digital yang mumpuni.
Hana Bank terus melakukan pengembangan Hana Bank continues to develop digital banking
layanan perbankan digital untuk memenuhi services to fullfill needs for customers. In 2023 Hana
kebutuhan nasabah. Pada tahun 2023 Hana Bank Bank launched a new My Hana Mobile Banking
meluncurkan Fitur baru My Hana Mobile Banking feature, namely Hana AIdvisor, an electronic Mutual
yaitu Hana AIdvisor sebuah layanan trsnsaksi Fund transaction service. Besides, LINE Bank has
ReksaDana elektronik. Selain itu, LINE Bank launched its LINE Bank debit card feature with
meluncurkan fitur kartu debit LINE Bank dengan BT21, a specially designed debit card with the BT21
BT21 yaitu kartu debit berdesain spesial, yakni character. This innovation is in line with the lifestyle
karakter BT21. Inovasi ini selaras dengan gaya hidup of the younger generation, especially Generation
generasi muda, khususnya Generasi Z dan milenial, Z and millennials, who are LINE Bank’s target
yang menjadi target pasar LINE Bank. Selain itu, market. In addition, it is aligned with the Bank’s
selaras dengan visi Bank: “Menjadi Mitra Seumur vision: “Being a Lifelong Partner by Providing
Hidup dengan Menyediakan Solusi Keuangan Integrated Financial Solutions & Creating Value for
Terintegrasi & Menciptakan Nilai bagi Pemangku Stakeholders.
Kepentingan.
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Jejak Langkah
Milestones
1971 2008 2010 2013 2015
• Menggunakan • Meluncurkan web • Meningkatkan modal
PT Bank Pasar Pagi Madju • Meresmikan Kantor
HOBIS Core Banking portal internal (intranet) disetor menjadi
didirikan. Pusat Operasional
(KPO) Gatot Subroto
Application sebagai untuk internal Bank, Rp2.450.000.000.000,-;
sistem TI baru; dan internet banking, dan • Meresmikan pusat
Establishment of PT Bank di Gedung Mitra, Jl.
• Meningkatkan jaringan mobile banking untuk pelatihan karyawan,
Pasar Pagi Madju. Jenderal Gatot Subroto
kantor menjadi 20 nasabah individual, yaitu Mini Banking;
Kav. 21, Jakarta Selatan;
kantor layanan. internet banking “Hana • Meluncurkan produk
• Meningkatkan modal
disetor sebesar Rp300 CBS” untuk nasabah bancassurance melalui
• Implemented korporasi, dan layanan kerja sama dengan
miliar;
HOBIS Core Banking private banking “Hana Hanwha Life Insurance
• Memperoleh izin usaha
1989 sebagai Bank Devisa;
Application as the new Gold Club” khusus untuk dan ACE Life;
IT system; and nasabah Korea; dan • Meluncurkan program
dan
• Increased the number • Meningkatkan jumlah One Village One
• Membuka 12 kantor
of service network to 20 jaringan kantor menjadi Product (OVOP) sebagai
layanan baru dan
Mengubah nama branch offices. 36 kantor layanan. bentuk dukungan
pengoperasian layanan
menjadi PT Bank Bintang ATM. terhadap lembaga
Manunggal. • Launched its internal usaha kecil menengah
• Official innauguration web portal (intranet) bernama Koperasi
2011
Change of name to PT of Operating Head for Bank’s internal use, Sumber Mertha
Bank Bintang Manunggal. Office Gatot Subroto internet banking, and Buana yang berada di
at Mitra Tower, , Jl. mobile banking for Kabupaten Badung,
Jenderal Gatot Subroto individual customer, Bali;
Kav. 21, South Jakarta; • Meningkatkan modal “Hana CBS” internet • Meresmikan PT
• Increased its paid-up disetor menjadi Rp1 banking for corporate Sinarmas Hana Finance
capital by Rp300 billion; triliun; client, and private sebagai perusahaan
• Obtained business • Bergabung bersama banking service “Hana pembiayaan bersama,
2007 licence as Forex Bank; jaringan PRIMA/BCA Gold Club” exclusively for melalui kerja sama
and Debit Network; dan Korean customer; and Bank Hana dan Hana
• Opened 12 new branch • Memindahkan Kantor • Increased the number Capital dengan PT
offices and operated Pusat dari Gedung of office network to 36 Sinarmas Multiartha;
• Hana Financial Group ATM service. Mitra ke Wisma Mulia branch offices. dan
mengakuisisi Bank Lt. 52, Jl. Jenderal Gatot • Meningkatkan jumlah
Bintang Manunggal; Subroto No. 42, Jakarta jaringan kantor menjadi
dan Selatan. 47 kantor layanan.
• Mengubah nama
menjadi PT Bank Hana
2009 • Increased its paid-up
capital to Rp1 trillion;
2014
• Increased its
paid-up capital to
• Hana Financial Group • Joined the PRIMA/BCA Rp2,450,000,000,000,-;
acquired Bank Bintang Debit Network; and • Officially opened
Manunggal; and • Meningkatkan modal • Moved its Headquarters employee training
• Change of name to PT disetor sebesar Rp500 • Menggabungkan PT
from Mitra Tower to center, namely Mini
Bank Hana miliar; Bank Hana dan PT Bank
Wisma Mulia, 52nd Banking;
• Meluncurkan situs web KEB Indonesia; serta
floor, Jl. Jenderal Gatot • Launched a
Bank; dan • Mengubah nama
Subroto No. 42, South bancassurance product
• Bergabung dengan menjadi PT Bank KEB
Jakarta. in collaboration with
Bankers Blanked Bond Hana.
Hanwha Life Insurance
untuk memperkuat and ACE;
kontrol risiko • Merged PT Bank Hana
• Launched the One
operasional. and PT Bank KEB
2012
Village One Product
Indonesia; and
(OVOP) program as
• Increased its paid-up • Changed its name to
support to a small
captial by Rp500 PT Bank KEB Hana
medium enterprise
billions; Indonesia.
Meningkatkan jaringan named Sumber Mertha
• Launched the Bank’s kantor cabang menjadi Buana Cooperative
website; and 30 kantor cabang. which is located in
• Joined the Bankers Badung Regency, Bali.;
Blanked Bond to Increased its service • Legalized PT Sinarmas
strengthen its control of network to 30 branch Hana Finance as a co-
operating risk. offices. financing company, in
collaboration with Bank
Hana and Hana Capital,
and PT Sinarmas
Multiartha; and
• Increased the number
of office network to 47
service offices.
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2016 2017 2018 2020 2022
• Meningkatkan jumlah • Bank memasuki kelas • Meluncurkan financial • Meresmikan perubahan Bank Hana melakukan
jaringan kantor hingga BUKU III; technology, seperti merek menjadi Bank inovasi melalui produk
55 kantor layanan; • Meningkatkan jaringan Carldless Withdrawal, Hana; bank digital LINE Bank
• Meluncurkan layanan kantor layanan menjadi Myhana Pay by QR, dan • Bekerja sama dengan by Hana Bank dengan
Kas Keliling, Hana 61 kantor Hana Family Card; FWD Life dalam meluncurkan fitur
Lounge, KEB Hana Visa • Memindahkan Kantor • Bekerja sama dengan memberikan produk pinjaman digital, yaitu
Credit Card, KEB Hana Pusat ke Gedung Kementerian Pekerjaan asuransi FWD Critical Pinjaman Quick Credit
Priority Banking, dan Mangkuluhur City Umum dan Perumahan Multisafe. & KTA. Peluncuran fitur
KEB Hana Visa Debit Tower One; Rakyat dalam KPR pinjaman digital ini
Card; • Meluncurkan layanan Sejahtera Fasilitas • Made official the diharapkan mampu
• Menambahkan produk Mobil ATM, D’Cafe Hana Likuiditas Pembiayaan change of brand to membantu lebih banyak
wealth management Longue, dan Smart Perumahan (FLPP); dan Bank Hana; kaum muda dalam
melalui kerja sama Zone; dan • Pengembangan • Collaborated with the memenuhi kebutuhan
strategis dengan • Menambahkan produk jalur pemasaran FWD Life to provide gaya hidup mereka
Jiwasraya, Batavia wealth management bancassurance melalui FWD Critical Multisafe dengan cara yang lebih
Prosperindo Aset melalui kerja sama peluncuran produk insurance product. mudah dan aman, serta
Manajemen, FWD Life strategis dengan Tokio asuransi jiwa Secure mendukung mereka
Indonesia, dan RHB Marine Life Insurance Investa Protection yang dalam pengelolaan
Asset Management dan Schroders. diterbitkan oleh PT keuangan secara
•
Indonesia; dan
Menerbitkan Obligasi • The Bank entered Book
Avrist Assurance.
2021 bertanggung jawab
melalui ekosistem
Subordinasi I Bank KEB III Class; • Launched financial perbankan digital dari
Hana senilai Rp244 • Increased the service technology, such as LINE Bank.
Berkolaborasi dengan
miliar dan USD47,5 juta. office network to 61 Carldless Withdrawal, LINE Financial Plus
offices; Myhana Pay by QR, and Bank Hana carried out
Corporation untuk
• Increased the number • Relocated the Head Hana Family Card; innovation through LINE
meluncurkan aplikasi
of office network to 55 Office to Gedung • Collaborated with the Bank by Hana Bank, a
layanan perbankan digital
service offices; Mangkuluhur City Ministry of Public Works digital banking product,
LINE Bank by Hana Bank.
• Launched Mobile Cash Tower One; and Public Housing in wtih the launch of digital
service, Hana Lounge, • Launched Mobil ATM a mortgaged product lending feature, namely
Collaborated with LINE
KEB Hana Visa Credit service, , D’Cafe Hana namely KPR Sejahtera, Quick Credit & KTA.
Financial Plus Corporation
Card, KEB Hana Priority Longue, and Smart a Liquidity Facility for With the launch of this
to launch LINE Bank
Banking, and KEB Hana Zone; and Home Financing; and digital lending feature
by Hana Bank, a digital
Visa Debit Card; • Added wealth • Developed a it is expected that it can
banking service appliction.
• Added a wealth management marketing channel help more young people
management product in a strategic for bancassurance in fulfilling their life style
product in strategic collaboration with Tokio with the launch of needs in an easier and
collaboration with Marine Life Insurance a life insurrance safe way, and also support
Jiwasraya, Batavia and Schroders. product, Secure Investa them in their financial
Prosperindo Aset Protection, issued by PT management responsibly
Manajemen, FWD Life Avrist Assurance. through the digital
Indonesia, and RHB banking ecosystem of
Asset Management LINE Bank.
Indonesia; and
• Issued Bank KEB Hana
Subordinated Bond I
2019
2023
of Rp244 billions and
USD47.5 millions.
• Mendapatkan
persetujuan Otoritas
Jasa Keuangan
Pengawasan Perbankan • Bank Hana meluncurkan HANA AIdvisor sebuah fitur
No. S-31/PB.312.2019 transaksi Reksa Dana secara elektronik, Bank Hana
sebagai Bank menjadi bank pertama di Indonesia yang menggunakan
Kustodian; fitur robo advisor untuk memberikan pengalaman baru
• Secara resmi menjadi bagi nasabah dalam bertransaksi produk investasi Reksa
Bank Administrator Dana.
Rekening Dana • LINE Bank meluncurkan kartu debit LINE Bank dengan
Nasabah (RDN) BT21 yaitu kartu debit berdesain spesial, yakni karakter
BT21. Inovasi ini selaras dengan gaya hidup generasi
• Obtained approval muda, khususnya Generasi Z dan milenial, yang menjadi
from the Banking target pasar LINE Bank. Selain itu, selaras dengan visi
Supervision Directorate Bank: “Menjadi Mitra Seumur Hidup dengan Menyediakan
of the Financial Solusi Keuangan Terintegrasi & Menciptakan Nilai bagi
Services Authority No. Pemangku Kepentingan.”
S-31/PB.312.2019 as a
custodian bank;; • Hana Bank launched HANA AIdvisor, a feature that
• Officially became an enables transaction of mutual fund electronicly. Hana
Administering Bank Bank became the first bank in Indonesia to employ the
for Customer Fund robo-advisor feature to provide a new experience to its
Accounts. customers in their transactions of mutual fund investment
products.
• LINE Bank launched of the LINE Bank credit card with
BT21, a specially designed debit card with a special
BT21 character. This innovation is in line with the young
generation life style, specifically the Generation Z and
the Millenial, which constitute LINE Bank target market.
Furthermore, it is also in line with the Bank’s vision: “Being
Lifelong Partner by Providing Integrated Financial Solution
and Creating Value for Our Stakeholders.”.
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Visi, Misi, dan Nilai Perusahaan
Corporate Vision, Mission, and Values
VISI “Menjadi Mitra Seumur Hidup
dengan Menyediakan Solusi
Keuangan Terintegrasi bagi
MISI “Tumbuh Bersama, Berbagi
Kebahagiaan.”
Vision Nasabah & Menciptakan Nilai-nilai Mission “Growing Together, Sharing
bagi Pemangku Kepentingan.” Happiness”
“Being Lifelong Partner by
Providing Integrated Financial
Solution and Creating Value for
Our Stakeholders”
Filosofi Logo
Logo Philosophy
Arti kata “Hana” dalam Bahasa Korea adalah satu. The meaning of “Hana” in Korean is one. Hana Bank
Bank Hana memiliki simbol sebagai kekhasan jati has a symbol that represent the distinctiveness of
diri. its identity.
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Nilai-Nilai Perusahaan
Corporate Value
Integrity & Autonomy Transparency Accountability Fairness &
Morality Equality
Melakukan hal yang Setiap individu Terbuka dan berterus Individu akan Menghormati dan
benar meskipun diberdayakan terang terhadap dievaluasi kinerjanya menghargai orang
tanpa diawasi. Jujur untuk memiliki rasa beragam informasi atau sikapnya sesuai lain dari berbagai latar
dan profesional, kepemilikan atas perusahaan. dengan tanggung belakang.
bertanggung jawab, pekerjaannya masing- jawabnya masing-
serta menjunjung masing. Berinisiatif Being open and masing. Respect and value
tinggi standar moral dan senantiasa straightforward about people from different
dan etika. melakukan perbaikan. various company Individuals will be backgrounds.
information. evaluated on their
Do what is right Everyone is performance or
even when no one empowered to take attitude in accordance
is looking. Honest ownership of their with their respective
and professional, works. Take initiatives, responsibilities.
responsible, and hold and do continuous
high the moral and improvement.
ethical standards.
Trust Human-Touch Global Dynamic Leader
Menjadi Bank Bank yang berupaya Menjadi lembaga Bank dinamis yang Menjadi Bank
terpercaya karena membahagiakan finansial skala global. memperkenalkan solusi papan atas, baik di
kepercayaan adalah nasabahnya. Become a global finansial termutakhir, skala domestik dan
segalanya. Bank that strives to financial institution. visi yang jelas, dan internasional.
Besome a trusworthy make its customers rencana yang positif. To become a top Bank,
bank as trust is happy. A dynamic Bank that both domesticly and
everything. introduces latest internasionally.
financial solution, a clear
vision, and positive plan.
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Bidang Usaha
Line of Business
Sesuai dengan Anggaran Dasar, maksud dan In accordance with the Articles of Association, The
tujuan Perseroan berusaha dalam bidang Bank purposes and objectives of the Company are to
Umum sesuai dengan undang-undang dan engage in commercial banking in accordance with
peraturan-peraturan yang berlaku. Rinciannya the prevailing laws and regulations. The details are
diuraikan melalui tabel di bawah ini. described in the table below.
Kegiatan Usaha yang
Dijalankan pada
Tahun Buku
Business Activities
Kegiatan Usaha Berdasarkan Anggaran Dasar Carried out during the
No.
Business Activities according to the Articles of Association Financial Year
Sudah
Belum
Has been
Not Yet
Carried out
1. Menghimpun dana dari masyarakat dalam bentuk simpanan seperti giro
(bilyet giro), deposito berjangka, sertifikat deposito, rekening simpanan
dan/atau bentuk-bentuk lain yang sama dengan bentuk-bentuk tersebut
di atas; √ -
Collecting funds from the public in the form of deposits such as demand
deposits (bilyet giro), time deposits, deposit certificates, saving accounts
and / or other forms similar to the forms mentioned above;
2. Menyediakan kredit; -
√
Providing credit lines;
3. Menerbitkan promes; -
√
Issuing promissory notes;
4, Membeli, menjual, atau menempatkan jaminan atas risiko kepemilikan
untuk kepentingan dan berdasarkan perintah nasabah untuk hal-hal
sebagai berikut.
a. Perintah bayar (wesel/surat wesel), termasuk penerimaannya oleh Bank,
yang jangka waktunya tidak melebihi praktik pada umumnya dalam
perdagangan surat berharga tersebut;
b. Promes dan surat berharga lainnya atau yang jangka waktu berlakunya
tidak melebihi praktik pada umumnya dalam perdagangan surat
berharga tersebut;
c. Surat berharga negara dan jaminan pemerintah;
d. Sertifikat Bank Indonesia (SBI);
e. Obligasi;
f. Surat berharga dengan jangka waktu sesuai dengan peraturan yang
√ -
berlaku;
Buying, selling, or placing collateral at the risk of ownership for the benefit
of and on the instructions of the customer for the following matters.
a. Payment orders (bills of exchange), including their acceptance by the
Bank, the term of which does not exceed the usual practice in the
trading of such securities;
b. Promissory notes and other securities whose validity period does not
exceed the usual practice in the trading of such securities;
c. State security papers and government guarantees;
d. Certificate of Bank Indonesia (SBI);
e. Bonds;
f. Securities with maturities in accordance with applicable regulations;
5. Transfer dana, baik untuk kepentingan sendiri maupun kepentingan
nasabah; √ -
Transfer of funds, both for own use and for the benefit of customers;
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Kegiatan Usaha yang
Dijalankan pada
Tahun Buku
Business Activities
Kegiatan Usaha Berdasarkan Anggaran Dasar Carried out during the
No.
Business Activities according to the Articles of Association Financial Year
Sudah
Belum
Has been
Not Yet
Carried out
6. Penempatan dana, peminjaman dana dari pemberi pinjaman dana
kepada bank-bank lain, baik melalui surat, fasilitas telekomunikasi atau
perintah bayar terdaftar (wesel/surat wesel), cek, dan fasilitas lainnya;
√
Placement of funds, lending of funds from lenders of funds to other banks,
whether by mail, telecommunications facilities or registered pay orders
(bills of exchange), cheques, and other facilities;
7. Menerima pembayaran dari piutang atau surat berharga dan
melaksanakan penyelesaian dengan/atau di antara para pihak ketiga;
√
Receives payments from receivables or securities and execute settlements
with and/or among third parties;
8. Menyediakan penyimpanan untuk barang dan surat berharga;
√
Provides safe deposit for goods and securities;
9. Melakukan kegiatan kustodian untuk kepentingan para pihak lainnya
berdasarkan kontrak;
√
Carries out custodial activities for the benefit of other parties based on
contracts;
10. Melaksanakan penempatan dana dari satu nasabah kepada nasabah
lainnya dalam bentuk surat berharga yang tidak terdaftar pada bursa efek;
- √
Carries out the placement of funds from one customer to another in the
form of securities that are not listed on the stock exchange;
11. Membeli agunan, baik seluruhnya maupun sebagian, melalui pelelangan
atau dalam hal debitur gagal melaksanakan kewajibannya kepada Bank,
dengan ketentuan, bahwa agunan yang dibeli wajib segera dicairkan;
√
Purchasing collateral, either in whole or in part, through auction or in the
event that a debtor fails to perform its obligations to the Bank, provided
that the purchased collateral must be immediately liquidated;
12. Anjak piutang, kartu kredit, dan jasa wali amanat;
√
Factoring, credit cards, and trustee services;
13. Melaksanakan kegiatan dalam valuta asing berdasarkan peraturan yang
diberlakukan oleh badan yang berkompeten;
√
Carries out activities in foreign exchange based on regulations imposed by
the competent body;
14. Melaksanakan partisipasi modal pada bank atau perseroan lain di sektor
keuangan, seperti perusahaan pembiayaan, modal ventura, perusahaan
efek, perusahaan asuransi serta penyelesaian kliring dan lembaga
penyimpanan, yang tunduk pada peraturan yang diberlakukan oleh badan
yang kompeten;
√
Carries out capital participation in banks or other companies in the
financial sector, such as finance companies, venture capital, securities
companies, insurance companies as well as clearing settlement and
depository institutions, subject to the regulations imposed by the
competent bodies;
15. Melakukan partisipasi modal sementara untuk menutup kegagalan kredit,
dengan ketentuan partisipasi tersebut ditarik kembali, tunduk pada
peraturan yang diberlakukan oleh badan yang berkompeten;
- √
Undertake temporary capital participation to cover credit failures, provided
such participation is eventually withdrawn, subject to regulations imposed
by the competent body;
16. Bertindak sebagai pendiri dan manajer dana pensiun sesuai dengan
peraturan perundang-undangan yang berlaku; dan
- √
Act as a founder and a manager of pension funds in accordance with the
prevailing laws and regulations; and
17. Melakukan kegiatan lainnya yang selayaknya dilakukan oleh Bank selama
tidak bertentangan dengan peraturan perundang-undangan yang
berlaku. √
Performs other activities that normally be carried out by banks as long as it
does not conflict with the prevailing laws and regulations.
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Produk dan Jasa
Products and Services
PRODUK SIMPANAN Rp PRODUK BANCASSURANCE
SAVING PRODUCT BANCASSURANCE PRODUCT
• Hana Savings;
• Hana Future Savings; Produk yang dikerjasamakan dengan:
• Hana Giro; • PT Asuransi Allianz Life Insurance;
• Deposito Berjangka; dan • PT Hanwha Life Insurance Indonesia; dan
• Hana Junior Savings. • PT Asuransi Simas Jiwa.
• Hana Savings; Bancassurance product in cooperation with:
• Hana Future Savings; • PT Asuransi Allianz Life Insurance;
• Hana Giro; • PT Hanwha Life Insurance Indonesia; and
• Deposito Berjangka; and • PT Asuransi Simas Jiwa.
• Hana Junior Savings.
PRODUK REKSA DANA Rp
PRODUK PINJAMAN MUTUAL FUND PRODUCT
LOAN PRODUCT • Reksa Dana Pasar Uang;
• Kredit Tanpa Agunan (KTA); • Reksa Dana Pendapatan Tetap;
• Kredit Pemilikan Rumah (KPR); • Reksa Dana Perimbangan; dan
• E-Ar Loan (E-Ar Financing); • Equity Fund.
• Kredit Modal Kerja;
• Kredit Investasi; • Money Market Fund;
• Syndication Loan; dan • Fixed Income Fund;
• Club DealLoan. • Balanced Fund; and
• Equity Fund.
• Unsecured Loan
• Home Mortgage (KPR);
• E-Ar Loan (E-Ar Financing);
• Working Capital Credit;
• Investment Credit; PRODUK OBLIGASI
• Syndication Loan; and BOND PRODUCTS
• Club DealLoan. Obligasi Negara Republik Indonesia,
dengan jenis:
• Denominasi Rupiah (IDR); dan
• Denominasi Dollar (USD).
FUND MANAGER Government Bonds of the Republic of Indonesia,
FUND MANAGER Rp with the following types :
• PT Batavia Prosperindo Aset Manajemen; • Rupiah Denomination (IDR); and
• Schroder Investment Management Indonesia; • Dollar (USD) Denomination.
• Mandiri Manajemen Investasi;
• PT Allianz Global Investor Asset Management
Indonesia;
• Manulife Aset Manajemen Indonesia;
• PT Shinhan Asset Management Indonesia; dan
• PT Ashmore Asset Management Indonesia.
• PT Batavia Prosperindo Aset Manajemen;
• Schroder Investment Management Indonesia;
• Mandiri Manajemen Investasi;
• PT Allianz Global Investor Asset Management
Indonesia;
• Manulife Aset Manajemen Indonesia;
• PT Shinhan Asset Management Indonesia; and
• PT Ashmore Asset Management Indonesia.
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PRODUK/JASA TREASURY LAYANAN E-CHANNEL
TREASURY PRODUCT/SERVICE Rp E-CHANNEL SERVICE
• Telegraphic Transfer (GBP/USD, • Internet Banking;
EUR/USD, AUD/USD, USD/JPY, USD/HKD, • Mobile Banking; dan
USD/SGD, USD/KRW, USD/CNY, dan USD/IDR); • LINE Bank by Hana Bank.
• Penjualan Valuta Asing (KRW dan USD);
• Currency Forward; • Internet Banking;
• Currency Swap; • Mobile Banking; and
• Obligasi Subordinasi IDR dan USD; • LINE Bank by Hana Bank.
• Negotiable Certificate of Deposite (NCD); dan
• Medium Term Notes (MTN).
• Telegraphic Transfer (GBP/USD, EUR/USD, AUD/
USD, USD/JPY, USD/HKD, USD/SGD, USD/KRW, KARTU DEBIT
USD/CNY, and USD/IDR); DEBIT CARD
• Foreign Exchange Sales (KRW and USD); • Kartu Debit Bank Hana berlogo Visa;
• Currency Forward; • Kartu Debit Bank Hana berlogo Gerbang
• Currency Swap; Pembayaran Nasional (GPN); dan
• Subordinated Bond IDR and USD; • Kartu Debit Prioritas Bank Hana.
• Negotiable Certificate of Deposite (NCD); and
• Medium Term Notes (MTN). • Hana Bank Debit Card with Visa logo;
• Hana Bank Debit Card with Gerbang
Pembayaran Nasional (GPN) logo; and
• Hana Bank Priority Banking Debit Card.
TRUST & CUSTODY
TRUST & CUSTODY
• Core Custody (Account Management,
Settlements, Safekeeping, Corporate Action, LAYANAN LAINNYA
Income Collection); OTHER SERVICES
• Fund Services (Fund Accounting, Transfer • Bank Hana Priority Banking;
Agency); dan • Kas Keliling;
• Escrow Agent. • ATM Keliling;
• Pembayaran Tagihan;
• Core Custody (Account Management, • Mesin EDC; dan
Settlements, Safekeeping, Corporate Action, • Safe Deposit Box.
Income Collection);
• Fund Services (Fund Accounting, Transfer • Hana Bank Priority Banking;
Agency); and • Mobile Cash;
• Escrow Agent. • Mobile ATM;
• Bill Payment;
• EDC Machine; and
• Safe Deposit Box.
JASA TRADE
TRADE SERVICE
• Sight and Usance LC/SKBDN;
• UPAS LC;
• Trust Receipt;
• Transferable LC;
• Shipping Guarantee;
• Bank Garansi; dan
• Negosiasi Dokumen LC.
• Sight and Usance LC/SKBDN;
• UPAS LC;
• Trust Receipt;
• Transferable LC;
• Shipping Guarantee;
• Bank Guarantee; and
• Negosiasi Dokumen LC.
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LINE Bank by Hana Bank Luncurkan Kartu Debit dengan Karakter BT21
“memberikan berbagai keuntungan guna mendukung gaya hidup keseharian
mereka yang aktif secara sosial dan terdigitalisasi.”
LINE Bank by Hana Bank Launch New Debit Card with BT21
“created to provide various benefits to support their socially active and
digitalized daily lifestyle.”
LINE Bank by Hana Bank (LINE Bank) merupakan LINE Bank by Hana Bank (LINE Bank) is a digital
perbankan digital yang menyediakan produk bank that provides financial products and financial
keuangan dan layanan financial technology (fintech) technology (fintech) services that are tailored to the
yang disesuaikan dengan kebutuhan dan kepentingan needs and for the benefit of customers. By the end of
nasabah. Hingga akhir tahun 2023, pengguna LINE 2023, LINE Bank’s user base have reached more than
Bank telah mencapai lebih dari 800 Ribu nasabah. 800,000 customers.
Pada tahun 2023, LINE Bank meluncurkan kartu debit In 2023, LINE Bank launched the LINE Bank debit
LINE Bank dengan desain spesial, yakni karakter BT21 card with a special design, the BT21 character, which
di mana kartu ini dilengkapi dengan fitur contactless is equipped with a contactless feature that provides
yang memberikan kemudahan dalam bertransaksi convenience in transactions both at home and
baik di dalam dan luar negeri. Inovasi ini selaras dengan abroad. This innovation is in line with the lifestyle of
gaya hidup generasi muda, khususnya Generasi Z dan the younger generation, especially Generation Z and
Milenial, yang menjadi target pasar LINE Bank. Selain Millennials, who are LINE Bank’s target market. In
itu, berbagai promo menarik juga ditawarkan khusus addition, various attractive promotions are also offered
bagi pemegang kartu Debit BT21. specifically for BT21 debit card holders.
Mengusung tujuan sebagai #BestieAndalan, LINE With regards to the Bank’s target as a #BestieAndalan,
Bank diharapkan menjadi mitra untuk Generasi Z LINE Bank is expected to be a partner for Generation
dan Milenial yang memegang kendali atas hidup Z and Millennials who are in control of their lives,
mereka. Khususnya dalam pengelolaan keuangan. especially in managing their finances. Therefore, LINE
Karena itu, LINE Bank menyediakan beragam fitur Bank provides a variety of features that enable users to
yang mendukung para pengguna mengendalikan control their financial activities from the palm of their
aktivitas keuangannya dalam genggaman. Dari hands. From payment features via QRIS to 40 payment
fitur pembayaran melalui QRIS hingga 40 mitra partners: e-Wallet top-ups, utility payments, ticket
pembayaran: mulai dari pengisian e-Wallet, purchases, insurance payments, credit card payments,
pembayaran utilitas, pembelian tiket, pembayaran and zakat payments.
asuransi, pembayaran kartu kredit, dan pembayaran
zakat.
Keunggulan lainnya berupa produk pinjaman dengan Other advantages include loan products with a limit of
limit hingga Rp300 juta yang dilengkapi dengan fitur up to Rp300 million equipped with a credit limit check
cek kredit limit, keuntungan bebas biaya admin dan feature, the benefits of free admin and provision fees,
provisi, dan pencairan pinjaman kapan saja. Selain itu, and loan disbursement at any time. In addition, users
bagi pengguna yang memiliki histori kredit yang baik, who have a good credit history have the opportunity to
berpeluang mendapatkan kenaikan limit pinjaman. get an increase in their loan limit.
60 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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Keanggotaan Asosiasi
Membership In Association
Nama Asosiasi Skala Asosiasi Posisi Bank
Name of Association Scope of Association Bank’s Position
Perhimpunan Bank Nasional (PERBANAS) Nasional Anggota
National Member
Asosiasi Emiten Indonesia (AEI) Nasional Anggota*
National Member
Asosiasi Bank Kustodian Indonesia (ABKI) Nasional Anggota
National Member
Indonesia Corporate Secretary Association (ICSA) Nasional Anggota
National Member
Forum Komunikasi Direktur Kepatuhan Perbankan Nasional Anggota
(FKPDKP) National Member
Asosiasi Bank Agen Penjual Efek Reksa Dana Indonesia Nasional Anggota
(ABAPERDI) National Member
ACI Financial Market Association (ACI FMA) Nasional Anggota
National Member
Asosiasi Sistem Pembayaran Indonesia (ASPI) Nasional Anggota
National Member
Security Investor Protection Fund (SIPF) / PT Penyelenggara Nasional Anggota
Program Perlindungan Investor Efek Indonesia National Member
Lembaga Alternatif Penyelesaian Sengketa Jasa Keuangan Nasional Anggota
(LAPS SJK) National Member
Asosiasi SWIFT Indonesia Nasional Anggota
National Member
Forum Komunikasi Direktur Operasional Perbankan Nasional Anggota
(FKPDOP) National Member
International Chamber of Commerce (ICC) Indonesia Nasional Anggota
National Member
Keterangan | Note:
* PT Bank KEB Hana Indonesia telah melakukan pelunasan obligasi pada tanggal 21 Desember 2023. Sehubungan dengan hal tersebut,
PT Bank KEB Hana Indonesia efektif mengundurkan diri dari keanggotaan AEI sejak tanggal 21 Desember 2023.
PT Bank KEB Hana Indonesia has repaid the bonds on December 21, 2023. In line with this, PT Bank KEB Hana Indonesia effectively
resigned from AEI membership since December 21, 2023.
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Wilayah Operasional
Operational Areas
Total Kantor Cabang dan
Anjungan Tunai Mandiri
Total Branch Offices and
Automated Teller Machines
39
Kantor Cabang
169
Anjungan Tunai Mandiri (ATM)
Branch Offices Automated Teller Machines (ATM)
Kantor Cabang ATM On-Site
14 Branch Offices 57 ATM On-Site
Kantor Cabang Pembantu ATM Off-Site
24 Sub-branch Office 106 ATM Off-Site
Unit Mobil Kas Keliling Layanan ATM Keliling
1 Mobile Cash Car Unit 6 Mobile ATM Service
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Struktur Organisasi
Organization Structure
Asset Liabilty Committee
Risk Management Committee Rapat Umum Pemegang Saham
General Meeting Shareholders
Credit Policy Committee
Loan Committee Dewan Komisaris
Board of Commissioners
Credit Investigation Committee
Information Technology
Steering Committee
Product Development Committee
Human Capital Committee Direktur Utama
President Director
Fraud Investigation Committee
Direktur Kepatuhan
Direktur Bisnis Direktur Keuangan & Legal Direktur Kredit
Business Director Finance Director Compliance and Legal Credit Director
Director
Chief Business Officer
Head of Head of Sales and Head of Head of Head of
Internal Audit Distribution Treasury Compliance Credit Review
Head of Strategy Head of Global Head of Head of
Head of SME
Planning Marketing 1 AMLO CTF Credit Review 2
Head of Special
Head of Learning and Head of Commercial Head of Global
Head of Legal Asset Management
Talent Development Banking Marketing 3
and Appraisal
Head of Corporate Head of Global Credit Admin
Head of Litigation
Banking Marketing 4 Head
Network &
Head of Private Head of Finance
Distribution
Banking Planning
Support Head
Head of Transaction Process
Banking and Head of Tax Management
Partnership Head
Head ofBusiness
Head of International
Performance and
Banking
Analytic
Head of Business General Affair
Support Head
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Audit Committee
Risk Monitoring Committee
Remuneration and Nomination Committee
Direktur Perbankan Direktur Teknologi
Konsumen
Credit Director Informasi
Consumer Banking
Credit Director Information
Director Technology Director
Chief Human Capital
Chief
ChiefRisk Officer
Business Chief Business
and Operation Officer
Chief Business Chief Business
Head of Digital Head of Banking Head of Digital
Loan Review
Business Service Banking
Head
Strategy Management IT Specialist
Head of Funding
Market, Liquidity and Branch Service and Head of Information
Product and Digital
Other Risk Head Governance Head Technology
Marketing
Head of HC
Head of Operational Risk Business IT Governance
Loan Product Head Partner and Talent and Risk Head
Acquisition
Head of CSS and
Credit Risk HC Strategy Partner IT Core Banking
Policy
Head Head Head
Management
Transaction
Head of Technology HC Operation and IT Operation
Monitoring
Product Development Service Head Head
Head
Head of E-Channel Anti Fraud Manpower
Head of IT PMO
Management Specialist 1 Management Head
Head of Contact
Anti Fraud Data Centre and
Center
Specialist 2 Technical Head
and Collection
IT MIS Head
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Profil Dewan Komisaris
Board of Commissioners’ Profiles
Sungwhan Lee
Komisaris Utama
President Commisioner
Kewarganegaraan Usia
Nationality Age
Korea Selatan 52 tahun | years old
Republic of Korea
Domisili Periode
Domicile Period
Korea Selatan 2023-2025
Republic of Korea
Riwayat Penunjukan Diangkat sebagai Komisaris Utama berdasarkan Appointed as the President Commissioner based on the
Appointment Keputusan RUPS Luar Biasa tanggal 30 Maret 2021 Extraordinary GMS Resolutions dated 30 March 2021,
History dan mendapat persetujuan Otoritas Jasa Keuangan which received approval from the Financial Services
tanggal 9 Agustus 2021. Efektif menjabat sebagai Authority on 9 August 2021. Effectively serving as the
Komisaris Utama tanggal 15 November 2021. President Commissioner as of 15 November 2021. His
Pengangkatan terakhir sejak RUPS Tahunan tanggal last appointment was based on the Annual GMS dated
9 Juni 2023. 9 June 2023.
Riwayat Pendidikan • Magister Bisnis Administrasi, Universitas Sogang • Master of Business Administration, Sogang University,
dan Pelatihan Seoul, Korea Selatan (2003); Seoul, South Korea (2003);
Education and • Sarjana Russian Studies, Universitas Gyeongsang • Bachelor degree in Russian Studies, Gyeongsang
Training History National, Jinju, Korea Selatan (1998); dan National University, Jinju, South Korea (1998); and
• Pelatihan pada tahun 2023 dapat dilihat di • Trainings attended in 2023 can be found in Appendix
Lampiran I Tabel Profil, Pendidikan, dan/atau I of the Table of Profile, Education and/or Training of
Pelatihan Pengurus, Pihak Independen Anggota the Management, Independent Party, Members of
Dewan Komisaris, dan Pejabat Bank pada Laporan the Board of Commissioners, and Bank Officers in
Tahunan ini. this Annual Report.
Keahlian Expertise Bisnis Administrasi, Perbankan, dan Keuangan. Business Administration, Banking, and Finance.
Riwayat Jabatan • Komisaris Utama PT Bank KEB Hana Indonesia • President Commissioner of PT Bank KEB Hana
Position History (2021-sekarang); Indonesia (2021-present);
• General Manager KEB Hana Bank Korea (Cabang • General Manager of KEB Hana Bank Korea (Singapore
Singapura) (2020-sekarang); Branch) (2020-present);
• Deputy General Manager KEB Hana Bank Korea • Deputy General Manager KEB Hana Bank Korea (Yeok
(Yeok Sam Yeok Corporate Finance Center) (2017- Sam Yeok Corporate Finance Center) (2017-2019);
2019); • Senior Manager, Human Resources Department
• Senior Manager KEB Hana Bank Korea (New York Hana Bank Korea (2007-2012);
Branch) (2012-2017); • Senior Manager KEB Hana Bank Korea (New York
• Senior Manager, Human Resources Department Branch) (2012-2017);
Hana Bank Korea (2007-2012); • Assistant Manager, Corporate Finance Division Hana
• Assistant Manager, Corporate Finance Division Bank Korea (Jungang Corporate Finance Center)
Hana Bank Korea (Jungang Corporate Finance (2005-2007);
Center) (2005-2007); • Assistant Manager, Corporate Finance Division Hana
• Assistant Manager, Corporate Finance Division Bank Korea LG Twin Tower Branch (2001-2005);
Hana Bank Korea LG Twin Tower Branch (2001- • Associate, Corporate Finance Division Hana Bank
2005); Korea (Bucheon Joongang Branch) (2001); and
• Associate, Corporate Finance Division Hana Bank • Relationship Associate Citibank N.A Korea
Korea (Bucheon Joongang Branch) (2001); dan (1999-2000).
• Relationship Associate Citibank N.A Korea
(1999-2000).
Rangkap Jabatan Saat ini beliau juga menjabat sebagai: Currently, he also serves as:
Concurrent Position • Melaksanakan tugas fungsional dari Pemegang • Performing functional duties of the Controlling
Saham Pengendali KEB Hana Bank, Korea (sejak Shareholder, KEB Hana Bank, Korea (since 2021).
2021). • Member of the Remuneration and Nomination
• Anggota Komite Remunerasi dan Nominasi PT Committee of PT Bank KEB Hana Indonesia (since
Bank KEB Hana Indonesia (sejak 2021–8 Desember 2021– 8 December 2023); and
2023); dan • General Manager KEB Hana Bank Korea (Singapore
• General Manager KEB Hana Bank Korea (Cabang Branch) (since 2020).
Singapura) (sejak 2020).
Hubungan Afiliasi Tidak memiliki hubungan keuangan, kepemilikan Having no financial, share ownership, and/or family
Affiliation saham, dan/atau keluarga dengan anggota Dewan relationship with other members of Board of
Relationship Komisaris lainnya, anggota Direksi, dan/atau Commissioners, members of Board of Directors, and/or
Pemegang Saham Utama dan Pengendali PT Bank Majority and Controlling Shareholders of PT Bank KEB
KEB Hana Indonesia. Hana Indonesia.
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Eka Noor Asmara
Komisaris Independen
Independent Commissioner
Kewarganegaraan Usia
Nationality Age
Indonesia 63 tahun | years old
Domisili Periode
Domicile Period
Yogyakarta 2023-2024
Riwayat Penunjukan Diangkat pertama kali sebagai Komisaris Independen Appointed as an Independent Commissioner for the
Appointment berdasarkan Keputusan RUPS Luar Biasa tanggal 24 first period based on the Extraordinary GMS Resolutions
History November 2008 dan mendapat persetujuan Bank dated 24 November 2008, which received approval from
Indonesia tanggal 12 Agustus 2008. Efektif menjabat Bank Indonesia on 12 August 2008. Effectively serving
sebagai Komisaris Independen tanggal 11 Juni 2009. as an Independent Commissioner as of 11 June 2009. His
Pengangkatan terakhir sejak RUPS Tahunan tanggal last appointment was based on the Annual GMS dated
9 Juni 2023. 9 June 2023.
Riwayat Pendidikan • Magister Bisnis Administrasi, Universitas Cleveland • Master of Business Administration, Cleveland State
dan Pelatihan State, Ohio, Amerika Serikat (1992); University, Ohio, USA (1992);
Education and • Sarjana Ekonomi, Universitas Gadjah Mada, • Bachelor of Economics, Gadjah Mada University,
Training History Yogyakarta (1980); dan Yogyakarta (1980); and
• Pelatihan pada tahun 2023 dapat dilihat di • Trainings attended in 2023 can be found in Appendix
Lampiran I Tabel Profil, Pendidikan, dan/atau I of the Table of Profile, Education, and/or Training of
Pelatihan Pengurus, Pihak Independen Anggota the Management, Independent Party, Members of
Dewan Komisaris, dan Pejabat Bank pada Laporan the Board of Commissioners, and Bank Officers in
Tahunan ini. this Annual Report.
Keahlian Expertise Akuntansi dan Keuangan. Accounting and Finance.
Riwayat Jabatan • Komisaris Independen PT Bank KEB Hana • Independent Commissioner of PT Bank KEB Hana
Position History Indonesia (2014-sekarang); Indonesia (2014-present);
• Komisaris PT Sport Glove Indonesia (2016-2020); • Commissioner of PT Sport Glove Indonesia (2016-
• Ketua Badan Pelaksana Harian Yayasan Pendidikan 2020);
Perbanas (2012-2019); • Chairperson of Executive Board of Yayasan
• Komisaris Independen PT Bank Hana (2009-2014); Pendidikan Perbanas (2012-2019);
• Anggota Badan Pelaksana Harian Yayasan • Independent Commissioner of PT Bank Hana (2009-
Pendidikan Perbanas (2009-2011); 2014);
• Dosen Program Pasca Sarjana Universitas Gadjah • Executive Board Member of Yayasan Pendidikan
Mada (2007-2009); Perbanas (2009-2011);
• Komisaris BPR Dana Mitra Sejahtera (2006-2008); • Lecturer at Post Graduate Program of Gadjah Mada
• Komisaris BPR Dana Mitra Sentosa Ambarawa University (2007-2009);
(2005-2009); • Commissioner of BPR Dana Mitra Sejahtera (2006-
• Direktur AA YKPN Yogyakarta (2004-2008); 2008);
• Senior Auditor KAP Lukman Hadianto & Rekan • Commissioner of BPR Dana Mitra Sentosa Ambarawa
(1996-2012); dan (2005-2009);
• Dosen Politeknik YKPN Yogyakarta (1986-sekarang). • Director of AA YKPN Yogyakarta (2004-2008);
• Senior Auditor of KAP Lukman Hadianto & Rekan
(1996-2012); and
• Lecturer at YKPN Yogayakarta Polytechnic
(1986-present).
Rangkap Jabatan Saat ini beliau juga menjabat sebagai: Currently, he also serves as:
Concurrent Position • Ketua merangkap anggota Komite Pemantau • Chairman and member of the Risk Monitoring
Risiko PT Bank KEB Hana Indonesia (sejak 2020); Committee of PT Bank KEB Hana Indonesia (since
• Ketua merangkap anggota Komite Remunerasi 2020);
dan Nominasi PT Bank KEB Hana Indonesia (sejak • Chairman and member of the Remuneration and
2018); dan Nomination Committee of PT Bank KEB Hana
• Dosen Politeknik YKPN Yogyakarta (sejak 1986). Indonesia (since 2018); and
• Lecturer at YKPN Yogayakarta Polytechnic (since
1986).
Hubungan Afiliasi Tidak memiliki hubungan keuangan, kepemilikan Having no financial, share ownership, and/or family
Affiliation saham, dan/atau keluarga dengan anggota Dewan relationship with other members of Board of
Relationship Komisaris lainnya, anggota Direksi, dan/atau Commissioners, members of Board of Directors, and/or
Pemegang Saham Utama dan Pengendali PT Bank Majority and Controlling Shareholders of PT Bank KEB
KEB Hana Indonesia. Hana Indonesia.
Pernyataan Eka Noor Asmara telah menandatangani surat Eka Noor Asmara has signed a statement letter of
Independensi pernyataan independensi setelah diputuskan efektif independence after being decided to effectively serve
Statement of menjabat sebagai Komisaris Independen untuk masa as an Independent Commissioner for more than two
Independence jabatan yang lebih dari dua periode. terms.
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 67
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Dino Patti Djalal
Komisaris Independen
Independent Commissioner
Kewarganegaraan Usia
Nationality Age
Indonesia 58 tahun | years old
Domisili Periode
Domicile Period
Jakarta 2022-2024
Riwayat Penunjukan Diangkat sebagai Komisaris Independen berdasarkan Appointed as an Independent Commissioner based on
Appointment Keputusan RUPS Tahunan tanggal 3 Juni 2022 dan the Annual GMS Resolutions dated 3 June 2022, which
History mendapat persetujuan Otoritas Jasa Keuangan received approval from Financial Services Authority
tanggal 6 Juli 2022. Efektif menjabat sebagai Komisaris on 6 July 2022. Effectively serving as an Independent
Independen tanggal 11 Juli 2022. Commissioner as of 11 July 2022.
Riwayat Pendidikan • Doktor Ilmu Politik, University of London, The • Doctor of Political Science, University of London, The
dan Pelatihan London School of Economics and Political Science, London School of Economics and Political Science,
Education and London (2000); London (2000);
Training History • Magister Ilmu Politik, Simon Fraser University, • Master of Political Science, Simon Fraser University,
Kanada (1991); Canada (1991);
• Sarjana Ilmu Politik, Carleton University, Kanada • Bachelor of Political Science, Carleton University, Canada
(1986); dan (1986); and
• Pelatihan pada tahun 2023 dapat dilihat di • Trainings attended in 2023 can be found in Appendix
Lampiran I Tabel Profil, Pendidikan, dan/atau I of the Table of Profile, Education and/or Training of
Pelatihan Pengurus, Pihak Independen Anggota the Management, Independent Party, Members of
Dewan Komisaris, dan Pejabat Bank pada Laporan the Board of Commissioners, and Bank Officers in this
Tahunan ini. Annual Report.
Keahlian Expertise Hubungan Internasional, Diplomasi, dan Manajemen International Relations, Diplomacy, and Company
Perusahaan. Management.
Riwayat Jabatan • Komisaris Independen PT Bank KEB Hana Indonesia • Independent Commissioner of PT Bank KEB Hana
Position History (2022-sekarang); Indonesia (2022-present);
• Komisaris Independen PT VKTR Teknologi Mobilitas • Independent Commissioner of PT VKTR Teknologi
Tbk. (2022-sekarang); Mobilitas Tbk. (2022-present);
• Ketua dan Pendiri Komunitas Kebijakan Luar Negeri • Chairman and Founder of the Foreign Policy
Indonesia (2015-sekarang); Community of Indonesia (2015-present);
• Wakil Menteri Luar Negeri Republik Indonesia • Vice Minister of Foreign Affairs of the Republic of
(2014); Indonesia (2014);
• Duta Besar Republik Indonesia untuk Amerika • Ambassador of the Republic of Indonesia to the United
Serikat (2010-2013); States (2010-2013);
• Komisaris PT Danareksa Persero (2007-2010); • Commissioner of PT Danareksa Persero (2007-2010);
• Juru Bicara Kepresidenan (2004-2010); • Presidential Spokesperson (2004-2010);
• Director for North American Affairs Kementerian • Director for North American Affairs of Ministry of Foreign
Luar Negeri Republik Indonesia (2002-2004); Affairs of the Republic of Indonesia (2002-2004);
• Head of Politics, posted in Washington DC, • Head of Politics, posted in Washington DC, Ministry of
Kementerian Luar Negeri Republik Indonesia (2000- Foreign Affairs of the Republic of Indonesia (2000-2002);
2002); • Spokesperson for the Government of the Republic of
• Juru Bicara Pemerintah Republik Indonesia untuk Indonesia for East Timor Referendum (1999-2000);
Referendum Timor Timur (1999-2000); • Head of Decolonization Section of Ministry of Foreign
• Head of Decolonization Section Kementerian Luar Affairs of the Republic of Indonesia (1997-1999);
Negeri Republik Indonesia (1997-1999); • Secretary 1 of Political Affairs, posted in London, Ministry
• Secretary 1 Political Affairs, posted in London, of Foreign Affairs of the Republic of Indonesia (1992-
Kementerian Luar Negeri Republik Indonesia (1992- 1997); and
1997); dan • Assistant to the Director General of Politics, Department
• Asisten Direktur Jenderal Politik Departemen Luar of Foreign Affairs of the Republic of Indonesia (1987-
Negeri Republik Indonesia (1987-1992). 1992).
Rangkap Jabatan Saat ini beliau juga menjabat sebagai: Currently, he also serves as:
Concurrent Position • Anggota Komite Remunerasi dan Nominasi PT Bank • Member of the Remuneration and Nomination
KEB Hana Indonesia (sejak 8 Desember 2023); Committee of PT Bank KEB Hana Indonesia (since 8
• Ketua Komite Audit PT Bank KEB Hana Indonesia December 2023);
(sejak 2022); • Chairman of the Audit Committee of PT Bank KEB Hana
• Komisaris Independen PT VKTR Teknologi Mobilitas Indonesia (sincce 2022);
Tbk. (sejak 2022); • Independent Commissioner of PT VKTR Teknologi
• Anggota Komite Audit PT VKTR Teknologi Mobilitas Mobilitas Tbk (since 2022);
Tbk. (sejak 2022); dan • Member of the Audit Committee of PT VKTR Teknologi
• Ketua dan Pendiri Komunitas Kebijakan Luar Negeri Mobilitas Tbk. (since 2022); and
Indonesia (sejak 2015). • Chairman and Founder of the Foreign Policy
Community of Indonesia (since 2015).
Hubungan Afiliasi Tidak memiliki hubungan keuangan, kepemilikan Having no financial, share ownership, and/or family
Affiliation saham, dan/atau keluarga dengan anggota Dewan relationship with other members of Board of
Relationship Komisaris lainnya, anggota Direksi, dan/atau Commissioners, members of Board of Directors, and/or
Pemegang Saham Utama dan Pengendali PT Bank Majority and Controlling Shareholders of PT Bank KEB
KEB Hana Indonesia. Hana Indonesia.
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Profil Direksi
Board of Directors’ Profiles
Jong Jin Park
Direktur Utama
President Director
Kewarganegaraan Usia
Nationality Age
Korea Selatan 57 tahun | years old
Republic of Korea
Domisili Periode
Domicile Period
Jakarta 2022-2024
Riwayat Penunjukan Diangkat sebagai Direktur Utama berdasarkan Appointed as the President Director based on the
Appointment keputusan RUPS Tahunan tanggal 12 Juni 2020 dan Annual GMS Resolutions dated 12 June 2020 and
History mendapat persetujuan Otoritas Jasa Keuangan received approval from Financial Services Authority on
tanggal 12 Oktober 2020. Efektif menjabat sebagai 12 October 2020. Effectively serving as the President
Direktur Utama tanggal 6 November 2020. Director as of 6 November 2020. His last appointment
Pengangkatan terakhir sejak RUPS Tahunan tanggal was based on the Annual GMS dated 3 June 2022.
3 Juni 2022.
Tugas dan Bertanggung jawab atas koordinasi umum, serta Responsible for general coordination and oversees
Tanggung Jawab menaungi Divisi Audit Internal, Divisi Strategy the Internal Audit Division, Strategy Planning Division,
Duties and Planning, Divisi Learning and Talent Development, Learning and Talent Development Division, Chief Risk
Responsibilities Chief Risk Officer, dan Chief Human Capital & Officer, and Chief Human Capital & Operation Officer.
Operation Officer.
Riwayat Pendidikan • Magister Bisnis Administrasi, Universitas • Master of Business Administration, Sungkyunkwan
dan Pelatihan Sungkyunkwan, Seoul (2014); University, Seoul (2014);
Education and • Sarjana Bisnis Administrasi, Universitas Sogang, • Bachelor of Business Administration, Sogang
Training History Seoul (1991); dan University, Seoul (1991); and
• Pelatihan pada tahun 2023 dapat dilihat di • Trainings attended in 2023 can be found in Appendix
Lampiran I Tabel Profil, Pendidikan, dan/atau I of the Table of Profile, Education, and/or Training of
Pelatihan Pengurus, Pihak Independen Anggota the Management, Independent Party, Members of
Direksi, dan Pejabat Bank pada Laporan Tahunan the Board of Commissioners, and Bank Officers in
ini. this Annual Report.
Keahlian Expertise Bisnis Administrasi dan Perbankan. Business Administration and Banking.
Riwayat Jabatan • Direktur Utama PT Bank KEB Hana Indonesia • President Director of PT Bank KEB Hana Indonesia
Position History (2020-sekarang); (2020-present);
• Direktur Keuangan PT Bank KEB Hana Indonesia • Finance Director of PT Bank KEB Hana Indonesia
(2017-2020); (2017-2020);
• Division Head Global Business Group KEB Hana • Division Head of Global Business Group of KEB Hana
Bank, Korea (2016-2017); Bank, Korea (2016-2017);
• General Manager Hana Financial Group, Korea • General Manager of Hana Financial Group, Korea
(2014–2016); dan (2014–2016); and
• General Manager Hana Bank, Korea (2002-2002). • General Manager of Hana Bank, Korea (2002-2005).
Rangkap Jabatan Saat ini beliau juga menjabat sebagai: Currently, he also serves as:
Concurrent Position • Ketua Komite Investigasi Kredit PT Bank KEB Hana • Chairman of Credit Investigation Committee of
Indonesia (sejak 2020); PT Bank KEB Hana Indonesia (since 2020);
• Anggota Komite Pengarah Teknologi Informasi • Member of IT Steering Committee of PT Bank KEB
PT Bank KEB Hana Indonesia (sejak 2020); dan Hana Indonesia (since 2020); and
• Ketua Komite Investigasi Fraud PT Bank KEB Hana • Chairman of Fraud Investigation Committee of
Indonesia (sejak 2021). PT Bank KEB Hana Indonesia (since 2021).
Hubungan Afiliasi Tidak memiliki hubungan keuangan, kepemilikan Having no financial, share ownership, and/or family
Affiliation saham, dan/atau keluarga dengan anggota Dewan relationship with members of Board of Commissioners,
Relationship Komisaris, anggota Direksi lainnya, dan/atau other members of Board of Directors, and/or the
Pemegang Saham Utama dan Pengendali PT Bank Majority and Controlling Shareholders of PT Bank KEB
KEB Hana Indonesia. Hana Indonesia.
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 69
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Seong Hyeok Mun1)
Direktur Keuangan
Finance Director
Kewarganegaraan Usia
Nationality Age
Korea Selatan 54 tahun | years old
Republic of Korea
Domisili Periode
Domicile Period
Korea Selatan 2023-2024
Republic of Korea
Riwayat Penunjukan Diangkat sebagai Direktur berdasarkan Keputusan Appointed as a Director based on the Unanimous
Appointment Tertulis Para Pemegang Saham sebagai Pengganti Written Resolution of Shareholders in lieu of an
History RUPS Luar Biasa tanggal 17 April 2023 dan mendapat Extraordinary GMS on 17 April 2023 and received
persetujuan Otoritas Jasa Keuangan tanggal 28 approval from Financial Services Authority on 28 March
Maret 2023. Efektif menjabat sebagai Direktur 2023. Effectively serving as a Director as of 5 May 2023.
tanggal 5 Mei 2023.
Tugas dan Bertanggung jawab atas Divisi Treasury, Divisi Global Responsible for the Treasury Division, Global Marketing
Tanggung Jawab Marketing, Divisi Finance Planning, Divisi Tax, Divisi Division, Finance Planning Division, Tax Division,
Duties and Business Performance and Analytic, dan Departemen Business Performance and Analytic Division, and
Responsibilities General Affair. General Affair Department.
Riwayat Pendidikan • Sarjana Administrasi Bisnis, Universitas Yonsei, • Bachelor of Business Administration, Yonsei
dan Pelatihan Seoul (1994); dan University, Seoul (1994); and
Education and • Pelatihan pada tahun 2023 dapat dilihat di • Trainings attended in 2023 can be found in Appendix
Training History Lampiran I Tabel Profil, Pendidikan, dan/atau I of the Table of Profile, Education, and/or Training of
Pelatihan Pengurus, Pihak Independen Anggota the Management, Independent Party, Members of
Direksi, dan Pejabat Bank pada Laporan Tahunan the Board of Commissioners, and Bank Officers in
ini. this Annual Report.
Keahlian Expertise Manajemen, Bisnis, dan Perbankan. Management, Business, and Banking.
Riwayat Jabatan • Direktur Keuangan PT Bank KEB Hana Indonesia • Finance Director of PT Bank KEB Hana Indonesia
Position History (2023-sekarang); (2023-present);
• Managing Director KEB Hana Bank Global Group • Managing Director of KEB Hana Bank Global Group,
(2022-2023); Korea (2022-2023);
• Head of Collabo. KEB Hana Bank Suwon Finance • Head of Collabo. of KEB Hana Bank Suwon Finance
Center, Korea (2022); Center, Korea (2022);
• Head of Hub. KEB Hana Bank Cabang Sinchon • Head of Hub. of KEB Hana Bank Sinchon Branch
(2019-2022); (2019-2022);
• Branch Manager KEB Hana Bank Cabang • Branch Manager of KEB Hana Bank Hannam-dong
Hannam-dong, Korea (2018-2019); Branch, Korea (2018-2019);
• Branch Manager KEB Hana Bank Cabang Sung • Branch Manager of KEB Hana Bank Sung ui-dong
Ui-dong, Korea (2015-2018); Branch, Korea (2015-2018);
• General Manager KEB Hana Bank SMEs & Startup • General Manager of KEB Hana Bank SMEs & Startup
Banking Department, Korea (2014-2015); Banking Department, Korea (2014-2015);
• General Manager KEB Hana Bank Divisi • General Manager of Hana Bank Commercial Banking
Commercial Banking, Korea (2014); Division, Korea (2014);
• General Manager KEB Hana Bank Gangnam • General Manager of Hana Bank Gangnam Joongang
Joongang Divisi Bisnis, Korea (2013-2014); Business Division, Korea (2013-2014);
• General Manager KEB Hana Bank Departemen • General Manager of Hana Bank Corporate Banking
Corporate Banking, Korea (2011-2013); dan Department, Korea (2011-2013); and
• Kepala Divisi Corporate Banking di PT Bank Hana, • Corporate Banking Division Head of PT Bank Hana,
Indonesia (2008-2011). Indonesia (2008-2011).
Rangkap Jabatan Saat ini beliau juga menjabat sebagai: Currently, he also serves as:
Concurrent Position • Ketua Komite Asset and Liability PT Bank KEB • Chairman of Asset and Liability Committee of PT
Hana Indonesia (sejak 2023); Bank KEB Hana Indonesia (since 2023);
• Ketua Komite Manajemen Risiko PT Bank KEB • Chairman of Risk Management Committee of PT
Hana Indonesia (sejak 2023); Bank KEB Hana Indonesia (since 2023);
• Ketua Komite Pengembangan Produk PT Bank • Chairman of Product Development Committee of PT
KEB Hana Indonesia (sejak 2023); Bank KEB Hana Indonesia (since 2023);
• Anggota Komite Kredit PT Bank KEB Hana • Member of Loan Committee of PT Bank KEB Hana
Indonesia (sejak 2023); dan Indonesia (since 2023); and
• Anggota Komite Pengarah Teknologi Informasi • Member of IT Steering Committee of PT Bank KEB
PT Bank KEB Hana Indonesia (sejak 2023). Hana Indonesia (since 2023).
Keterangan: / Notes:
1)
Diangkat sebagai Direktur berdasarkan Keputusan Tertulis Para Pemegang Saham sebagai Pengganti RUPS Luar Biasa tanggal 17 April 2023 dan efektif menjabat
sebagai Direktur tanggal 5 Mei 2023.
Appointed as Director based on the Unanimous Written Resolution of Shareholders in lieu of an Extraordinary GMS on 17 April 2023 and effectively serving as a
Director as of 5 May 2023.
70 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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Operational Aspects Corporate Governance Sustainability Report Financial Statements
Sang Keun Kwak
Direktur Teknologi Informasi
Information Technology Director
Kewarganegaraan Usia
Nationality Age
Korea Selatan 52 tahun | years old
Republic of Korea
Domisili Periode
Domicile Period
Jakarta 2023-2025
Riwayat Penunjukan Diangkat sebagai Direktur berdasarkan keputusan Appointed as a Director based on the Extraordinary
Appointment RUPS Luar Biasa tanggal 30 Maret 2021 dan GMS Resolutions dated 30 March 2021 and received
History mendapat persetujuan Otoritas Jasa Keuangan approval from the Financial Services Authority on 9
tanggal 9 Juni 2021. Efektif menjabat sebagai Direktur June 2021. Effectively serving as a Director as of 1 July
tanggal 1 Juli 2021. Pengangkatan terakhir sejak RUPS 2021. His last appointment was based on the Annual
Tahunan tanggal 9 Juni 2023. GMS dated 9 June 2023.
Tugas dan Bertanggung jawab atas Divisi Digital Banking Responsible for the Digital Banking IT Specialist
Tanggung Jawab IT Specialist, Divisi Information Technology, Division, Information Technology Division, IT
Duties and Departemen IT Governance and Risk, Departemen Governance and Risk Department, IT Core Banking
Responsibilities IT Core Banking, Departemen IT Operation, Divisi IT Department, IT Operations Department, IT PMO
PMO, Departemen Data Centre and Technical, dan Division, Data Center and Technical Department, and IT
Departemen IT MIS. MIS Department.
Riwayat Pendidikan • Sarjana Production Mechanical Engineering, • Bachelor degree in Production Mechanical
dan Pelatihan Universitas Nasional Kunsan, Seoul (1996); dan Engineering, Kunsan National University, Seoul (1996);
Education and • Pelatihan pada tahun 2023 dapat dilihat di and
Training History Lampiran I Tabel Profil, Pendidikan, dan/atau • Trainings attended in 2023 can be found in Appendix
Pelatihan Pengurus, Pihak Independen Anggota I of the Table of Profile, Education, and/or Training of
Direksi, dan Pejabat Bank pada Laporan Tahunan the Management, Independent Party, Members of
ini. the Board of Commissioners, and Bank Officers in
this Annual Report.
Keahlian Expertise Teknologi Informasi dan Perbankan. Information Technology and Banking.
Riwayat Jabatan • Direktur Informasi Teknologi PT Bank KEB Hana • Information Technology Director of PT Bank KEB
Position History Indonesia (2021-sekarang); Hana Indonesia (2021-present);
• IT Manager PT NEXT Transformatech Indonesia • IT Manager of PT NEXT Transformatech Indonesia
(2020-2021); (2020-2021);
• Chief Information Officer PT Bank KEB Hana • Chief Information Officer of PT Bank KEB Hana
Indonesia (2020); dan Indonesia (2020); and
• Kepala Divisi Teknologi Informasi PT Bank KEB • Head of Information Technology Division of PT Bank
Hana Indonesia (2016-2020). KEB Hana Indonesia (2016-2020).
Rangkap Jabatan Saat ini beliau juga menjabat sebagai: Currently, he also serves as:
Concurrent Position • Ketua Komite Pengarah Teknologi Informasi PT • Chairman of IT Steering Committee of PT Bank KEB
Bank KEB Hana Indonesia (sejak 2021). Hana Indonesia (since 2021).
Hubungan Afiliasi Tidak memiliki hubungan keuangan, kepemilikan Having no financial, share ownership and/or family
Affiliation saham, dan/atau keluarga dengan anggota Dewan relationship with members of Board of Commissioners,
Relationship Komisaris, anggota Direksi lainnya, dan/atau other members of Board of Directors, and/or the
Pemegang Saham Utama dan Pengendali PT Bank Majority and Controlling Shareholders of PT Bank KEB
KEB Hana Indonesia. Hana Indonesia.
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 71
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Ikhtisar Utama 2023 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen
Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Bayu Wisnu Wardhana
Direktur Kepatuhan & Legal
Compliance & Legal Director
Kewarganegaraan Usia
Nationality Age
Indonesia 60 tahun | years old
Domisili Periode
Domicile Period
Jakarta 2023-2024
Riwayat Penunjukan Diangkat pertama kali sebagai Direktur berdasarkan Appointed as a Director for the first period based on
Appointment Keputusan Sirkuler Pengganti RUPS Luar Biasa the Extraordinary GMS Circular Resolutions dated 30
History tanggal 30 Maret 2016 dan mendapat persetujuan March 2016. Received approval from Financial Services
Otoritas Jasa Keuangan tanggal 21 Maret 2016 Authority on 21 March 2016 as a Director and on 11 July
sebagai Direktur dan persetujuan Otoritas Jasa 2016 as a Compliance Director. Effectively serving as
Keuangan tanggal 11 Juli 2016 sebagai Direktur a Director from 30 March to 10 July 2016. Effectively
Kepatuhan. Efektif menjabat sebagai Direktur serving as a Compliance Director as of 11 July 2016. His
tanggal 30 Maret-10 Juli 2016. Efektif menjabat last appointment was based on the Annual GMS dated
sebagai Direktur Kepatuhan tanggal 11 Juli 2016. 9 June 2023.
Pengangkatan terakhir efektif sejak RUPS Tahunan
tanggal 9 Juni 2023.
Tugas dan Bertanggung jawab atas Divisi Kepatuhan, Divisi Responsible for the Compliance Division, AMLO CTF
Tanggung Jawab AMLO CTF, Divisi Legal, Divisi Litigasi, Departemen Division, Legal Division, Litigation Division, Network
Duties and Network & Distribution Support, dan Departemen & Distribution Support Department, and Process
Responsibilities Process Management. Management Department.
Riwayat Pendidikan • Magister Manajemen Internasional, Universitas • Masters in International Management, Universitas
dan Pelatihan Prasetiya Mulya, Jakarta (2002); Prasetiya Mulya, Jakarta (2002);
Education and • Sarjana Akuntansi, Universitas Gadjah Mada, • Bachelor of Accounting, Gadjah Mada University,
Training History Yogyakarta (1989); dan Yogyakarta (1989); and
• Pelatihan pada tahun 2023 dapat dilihat di • Trainings attended in 2023 can be found in Appendix
Lampiran I Tabel Profil, Pendidikan, dan/atau I of the Table of Profile, Education, and/or Training of
Pelatihan Pengurus, Pihak Independen Anggota the Management, Independent Party, Members of
Direksi, dan Pejabat Bank pada Laporan Tahunan the Board of Commissioners, and Bank Officers in
ini. this Annual Report.
Keahlian Expertise Akuntansi, Manajemen, dan Perbankan. Accounting, Management, and Banking.
Riwayat Jabatan • Direktur Kepatuhan & Legal PT Bank KEB Hana • Compliance & Legal Director of PT Bank KEB Hana
Position History Indonesia (2020-sekarang); Indonesia (2020-present);
• Direktur Kepatuhan dan Risiko PT Bank KEB Hana • Compliance and Risk Director of PT Bank KEB Hana
Indonesia (2016-2020); Indonesia (2016-2020);
• Direktur Keuangan PT Bank KEB Hana Indonesia • Finance Director of PT Bank KEB Hana Indonesia
(2016); (2016);
• Direktur Konsumer Bisnis dan Operasional PT Bank • Operating and Business Consumer Director of PT
KEB Hana Indonesia (2014-2015); Bank KEB Hana Indonesia (2014-2015);
• Direktur Kepatuhan PT Bank Hana (2010-2014); • Compliance Director of PT Bank Hana (2010-2014);
• Direktur Marketing & Treasury State Bank of India • Marketing & Treasury Director of State Bank of India
(2009-2010); (2009-2010);
• Direktur Kepatuhan Bank Finconesia (2003-2008); • Compliance Director of Bank Finconesia (2003-2008);
• Direktur Treasury dan Operasional Bank Finconesia • Operating and Treasury Director of Bank Finconesia
(2000-2003); dan (2000-2003); and
• Manajer Departemen Akuntansi, Perencanaan, dan • Accounting, Planning, and Budgeting Department
Anggaran Bank Finconesia (1993-1999). Manager of Bank Finconesia (1993-1999).
Rangkap Jabatan Saat ini beliau juga menjabat sebagai: Currently, he also serves as:
Concurrent Position • Anggota Komite Asset and Liability PT Bank KEB • Member of Asset and Liability Committee of PT Bank
Hana Indonesia (sejak 2016); KEB Hana Indonesia (since 2016);
• Anggota Komite Manajemen Risiko PT Bank KEB • Member of Risk Management Committee of PT Bank
Hana Indonesia (sejak 2016); KEB Hana Indonesia (since 2016);
• Anggota Komite Kebijakan Perkreditan PT Bank • Member of Credit Policy Committee of PT Bank KEB
KEB Hana Indonesia (sejak 2016); Hana Indonesia (since 2016);
• Anggota Komite Investigasi Kredit PT Bank KEB • Member of Credit Investigation Committee of PT
Hana Indonesia (sejak 2020); Bank KEB Hana Indonesia (since 2020);
• Anggota Komite Pengembangan Produk PT Bank • Member of Product Development Committee of PT
KEB Hana Indonesia (sejak 2020); Bank KEB Hana Indonesia (since 2020);
• Anggota Komite Pengarah Teknologi Informasi PT • Member of IT Steering Committee of PT Bank KEB
Bank KEB Hana Indonesia (sejak 2016); Hana Indonesia (since 2016);
• Anggota Komite Sumber Daya Manusia PT Bank • Member of Human Capital Committee of PT Bank
KEB Hana Indonesia (sejak 2019); dan KEB Hana Indonesia (since 2019); and
• Anggota Komite Investigasi Fraud PT Bank KEB • Member of Fraud Investigation Committee of PT
Hana Indonesia (sejak 2021). Bank KEB Hana Indonesia (since 2021).
Hubungan Afiliasi Tidak memiliki hubungan keuangan, kepemilikan Having no financial, share ownership, and/or family
/ Affiliation saham, dan/atau keluarga dengan anggota Dewan relationship with members of Board of Commissioners,
Relationship Komisaris, anggota Direksi lainnya, dan/atau other members of Board of Directors, and/or the
Pemegang Saham Utama dan Pengendali PT Bank Majority and Controlling Shareholders of PT Bank KEB
KEB Hana Indonesia. Hana Indonesia.
72 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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Operational Aspects Corporate Governance Sustainability Report Financial Statements
Geoffry Nugraha2)
Direktur Bisnis
Business Director
Kewarganegaraan Usia
Nationality Age
Indonesia 52 tahun | years old
Domisili Periode
Domicile Period
Jakarta 2023-2025
Riwayat Penunjukan Diangkat sebagai Direktur berdasarkan keputusan Appointed as a Director based on the Annual GMS
Appointment RUPS Tahunan tanggal 9 Juni 2023 dan mendapat Resolutions dated 9 June 2023 and received approval
History persetujuan Otoritas Jasa Keuangan tanggal 11 from Financial Services Authority on 11 August 2023.
Agustus 2023. Efektif menjabat sebagai Direktur Effectively serving as a Director as of 15 August 2023.
tanggal 15 Agustus 2023.
Tugas dan Bertanggung jawab atas Chief Business Officer, Divisi Responsible for the Chief Business Officer, Commercial
Tanggung Jawab Commercial Banking, Divisi Corporate Banking, Divisi Banking Division, Corporate Banking Division, Private
Duties and Private Banking, Divisi Transaction Banking and Banking Division, Transaction Banking and Partnership
Responsibilities Partnership, Divisi International Banking, dan Divisi Division, International Banking Division, and Business
Business Support. Support Division.
Riwayat Pendidikan • Master of Business Administration, Hawaii Pacific • Master of Business Administration, Hawaii Pacific
dan Pelatihan University, Hawaii (1996); University, Hawaii (1996);
Education and • Sarjana Science in Business Administration, Hawaii • Bachelor of Science in Business Administration,
Training History Pacific University, Hawaii (1994); dan Hawaii Pacific University, Hawaii (1994); and
• Pelatihan pada tahun 2023 dapat dilihat di • Trainings attended in 2023 can be found in Appendix
Lampiran I Tabel Profil, Pendidikan, dan/atau I of the Table of Profile, Education, and/or Training of
Pelatihan Pengurus, Pihak Independen Anggota the Management, Independent Party, Members of
Direksi, dan Pejabat Bank pada Laporan Tahunan the Board of Commissioners, and Bank Officers in
ini. this Annual Report.
Keahlian Expertise Ekonomi, Manajemen, Bisnis, dan Perbankan. Economics, Management, Business, and Banking.
Riwayat Jabatan • Direktur Bisnis PT Bank KEB Hana Indonesia • Business Director of PT Bank KEB Hana Indonesia
Position History (2023-sekarang); (2023-present);
• Direktur Corporate & Institution Banking • Wholesale Banking Director of PT QNB Indonesia
(Wholesale Banking) PT QNB Indonesia (2019- (2019-2023);
2023); • Acting Chief Executive Officer of PT QNB Indonesia
• Acting Chief Executive Officer PT QNB Indonesia (2021-2022);
(2021-2022); • Executive Director, Head of Corporate Banking of PT
• Executive Director (Head of Corporate Banking) Bank UOB Indonesia (2014-2019);
PT Bank UOB Indonesia (2014-2019); • Head of Corporate Banking of PT Bank ANZ Indonesia
• Head of Corporate Banking PT Bank ANZ Indonesia (2012-2014);
(2012-2014); • Head of Local Corporate of PT Bank ANZ Indonesia
• Head of Local Corporate PT Bank ANZ Indonesia (2008-2012);
(2008-2012); • Head of Transaction Banking, Wholesale Banking of
• Head of Transaction Banking - Wholesale Banking Standard Chartered Bank Indonesia (2007-2008);
Standard Chartered Bank Indonesia (2007-2008); • Head of Trade Sales of Standard Chartered Bank
• Head of Trade Sales Standard Chartered Bank Indonesia (2006-2007);
Indonesia (2006-2007); • Vice President Commercial Banking of HSBC
• Vice President Commercial Banking HSBC Indonesia (2003-2005);
Indonesia (2003-2005); • AVP Financial Specialist, Credit Risk Management
• AVP Financial Specialist, Divisi Manajemen Risiko Division of HSBC Indonesia (2000-2003);
Kredit, HSBC Indonesia (2000-2003); • Credit Analyst, Risk Management Department of
• Analis Kredit, Departemen Manajemen Risiko, Rabobank International Indonesia (1999-2000); and
Rabobank International Indonesia (1999-2000); dan • Account Officer, Corporate Banking Center (First
• Account Officer, Corporate Banking Center Manager, Relationship Manager) of PT Bank
(First Manager, Relationship Manager) PT Bank Danamon Indonesia (1996-1999).
Danamon Indonesia (1996-1999).
Rangkap Jabatan Saat ini beliau juga menjabat sebagai: Currently, he also serves as:
Concurrent Position • Anggota Komite Asset and Liability PT Bank KEB • Member of Asset and Liability Committee of PT Bank
Hana Indonesia (sejak 2023); KEB Hana Indonesia (since 2023);
• Anggota Komite Manajemen Risiko PT Bank KEB • Member of Risk Management Committee of PT Bank
Hana Indonesia (sejak 2023); KEB Hana Indonesia (since 2023);
• Anggota Komite Kebijakan Perkreditan PT Bank • Member of Credit Policy Committee of PT Bank KEB
KEB Hana Indonesia (sejak 2023); Hana Indonesia (since 2023);
• Anggota Komite Kredit PT Bank KEB Hana • Member of Loan Committee of PT Bank KEB Hana
Indonesia (sejak 2023); Indonesia (since 2023);
• Anggota Komite Pengarah Teknologi Informasi • Member of IT Steering Committee of PT Bank KEB
PT Bank KEB Hana Indonesia (sejak 2023); Hana Indonesia (since 2023);
• Anggota Komite Pengembangan Produk PT Bank • Member of Product Development Committee of PT
KEB Hana Indonesia (sejak 2023); dan Bank KEB Hana Indonesia (since 2023); and
• Anggota Komite Sumber Daya Manusia PT Bank • Member of Human Capital Committee of PT Bank
KEB Hana Indonesia (sejak 2023). KEB Hana Indonesia (since 2023).
Keterangan: / Notes:
2)
Diangkat sebagai Direktur berdasarkan RUPS Tahunan tanggal 9 Juni 2023 dan efektif menjabat sebagai Direktur tanggal 15 Agustus 2023.
Appointed as a Director based on the Annual GMS dated 9 June 2023 and effectively serving as a Director as of 15 August 2023.
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 73
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Ratna Ningsih
Direktur Kredit
Credit Director
Kewarganegaraan Usia
Nationality Age
Indonesia 60 tahun | years old
Domisili Periode
Domicile Period
Jakarta 2022-2024
Riwayat Penunjukan Diangkat sebagai Direktur berdasarkan keputusan Appointed as a Director based on the Extraordinary
Appointment RUPS Luar Biasa tanggal 15 Mei 2020 dan mendapat GMS Resolutions dated 15 May 2020 and received
History persetujuan Otoritas Jasa Keuangan tanggal 14 approval from Financial Services Authority on 14
September 2020. Efektif menjabat sebagai Direktur September 2020. Effectively serving as a Director as of
tanggal 21 September 2020. Pengangkatan terakhir 21 September 2020. Her last appointment was based on
sejak RUPS Tahunan tanggal 3 Juni 2022. the Annual GMS dated 3 June 2022.
Tugas dan Bertanggung jawab atas Divisi Credit Review, Divisi Responsible for the Credit Review Division, Special
Tanggung Jawab Special Asset Management and Appraisal, dan Asset Management and Appraisal Division, and Credit
Duties and Departemen Credit Administration. Administration Department.
Responsibilities
Riwayat Pendidikan • Sarjana Akuntansi, Universitas Trisakti, Jakarta • Bachelor of Accounting, Universitas Trisakti, Jakarta
dan Pelatihan (1987); dan (1987); and
Education and • Pelatihan pada tahun 2023 dapat dilihat di • Trainings attended in 2023 can be found in Appendix
Training History Lampiran I Tabel Profil, Pendidikan, dan/atau I of the Table of Profile, Education, and/or Training of
Pelatihan Pengurus, Pihak Independen Anggota the Management, Independent Party, Members of
Direksi, dan Pejabat Bank pada Laporan Tahunan the Board of Commissioners, and Bank Officers in
ini. this Annual Report.
Keahlian Expertise Akuntansi, Perbankan, dan Analisis Kredit. Accounting, Banking, and Credit Analyst.
Riwayat Jabatan • PT Bank KEB Hana Indonesia; • PT Bank KEB Hana Indonesia;
Position History - Direktur Kredit (2020-sekarang); dan - Credit Director (2020-present); and
- Chief Credit Officer (2020); - Chief Credit Officer (2020);
• PT Bank Maybank Indonesia Tbk: • PT Bank Maybank Indonesia Tbk:
- Head of Business Banking (2020); - Head of Business Banking (2020);
- Head of CFS Assets Quality Management (2018- - Head of CFS Assets Quality Management (2018-
2019); 2019);
- Head of CFS Credit Approval (2016-2018); - Head of CFS Credit Approval (2016-2018);
- Head of SME & Business Banking Credit Approval - Head of SME & Business Banking Credit Approval
(2009-2016); (2009-2016);
• PT Bank International Indonesia Tbk: • PT Bank International Indonesia Tbk:
- Head of Bank Wide Risk Management (2003- - Head of Bank Wide Risk Management (2003-2008);
2008); - Head of Commercial & Consumer Credit Risk
- Head of Commercial & Consumer Credit Risk Management and Restructuring (2000-2002); and
Management and Restructuring (2000-2002); - Head of Mortgage Loan (1996-2000).
dan
- Head of Mortgage Loan (1996-2000).
Rangkap Jabatan Saat ini beliau juga menjabat sebagai: Currently, she also serves as:
Concurrent Position • Anggota Komite Asset and Liability PT Bank KEB • Member of Asset and Liability Committee of PT Bank
Hana Indonesia (sejak 2020); KEB Hana Indonesia (since 2020);
• Anggota Komite Manajemen Risiko PT Bank KEB • Member of Risk Management Committee of PT Bank
Hana Indonesia (sejak 2020); KEB Hana Indonesia (since 2020);
• Ketua Komite Kebijakan Perkreditan PT Bank KEB • Chairman of Credit Policy Committee of PT Bank KEB
Hana Indonesia (sejak 2020); Hana Indonesia (since 2020);
• Ketua Komite Kredit PT Bank KEB Hana Indonesia • Chairman of Loan Committee of PT Bank KEB Hana
(sejak 2020); Indonesia (since 2020);
• Anggota Komite Investigasi Kredit PT Bank KEB • Member of Credit Investigation Committee of PT
Hana Indonesia (sejak 2023); Bank KEB Hana Indonesia (since 2023);
• Anggota Komite Pengarah Teknologi Informasi • Member of IT Steering Committee of PT Bank KEB
PT Bank KEB Hana Indonesia (sejak 2020); dan Hana Indonesia (since 2020); and
• Anggota Komite Sumber Daya Manusia PT Bank • Member of Human Capital Committee of PT Bank
KEB Hana Indonesia (sejak 2020). KEB Hana Indonesia (since 2020).
Hubungan Afiliasi Tidak memiliki hubungan keuangan, kepemilikan Having no financial, share ownership, and/or family
Affiliation saham, dan/atau keluarga dengan anggota Dewan relationship with members of Board of Commissioners,
Relationship Komisaris, anggota Direksi lainnya, dan/atau other members of Board of Directors, and/or the
Pemegang Saham Utama dan Pengendali PT Bank Majority and Controlling Shareholders of PT Bank KEB
KEB Hana Indonesia. Hana Indonesia.
74 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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Operational Aspects Corporate Governance Sustainability Report Financial Statements
Anton Hermawan3)
Direktur Perbankan Konsumer
Consumer Banking Director
Kewarganegaraan Usia
Nationality Age
Indonesia 54 tahun | years old
Domisili Periode
Domicile Period
Jakarta 2022-2023
Riwayat Penunjukan Diangkat sebagai Direktur berdasarkan keputusan Appointed as a Director based on the Extraordinary
Appointment RUPS Luar Biasa tanggal 30 Maret 2021 dan GMS Resolutions dated 30 March 2021 and received
History mendapat persetujuan Otoritas Jasa Keuangan approval from Financial Services Authority on 28 April
tanggal 28 April 2021. Efektif menjabat sebagai 2021. Effectively serving as a Director as of 28 April 2021.
Direktur tanggal 28 April 2021. Pengangkatan terakhir His last appointment was based on the Annual GMS
sejak RUPS Tahunan tanggal 3 Juni 2022. dated 3 June 2022.
Tugas dan Bertanggung jawab atas Divisi Digital Business Responsible for the Digital Business Strategy Division,
Tanggung Jawab Strategy, Divisi Loan Product, Divisi Contact Center Loan Product Division, Contact Center and Collection
Duties and and Collection, Divisi E-Channel Management, Divisi Division, E-Channel Management Division, Funding
Responsibilities Funding Product and Digital Marketing, Divisi CSS Product and Digital Marketing Division, CSS and
and Policy Management, dan Divisi Technology Policy Management Division, and Technology Product
Product Development. Development Division.
Riwayat Pendidikan • Magister Manajemen, Universitas Indonesia, Depok • Master of Management, Universitas Indonesia, Depok
dan Pelatihan (2003); (2003);
Education and • Sarjana Fisika, Institut Teknologi Bandung, • Bachelor of Physics, Institut Teknologi Bandung,
Training History Bandung (1992); dan Bandung (1992); and
• Pelatihan pada tahun 2023 dapat dilihat di • Trainings attended in 2023 can be found in Appendix
Lampiran I Tabel Profil, Pendidikan, dan/atau I of the Table of Profile, Education, and/or Training of
Pelatihan Pengurus, Pihak Independen Anggota the Management, Independent Party, Members of
Direksi, dan Pejabat Bank pada Laporan Tahunan the Board of Commissioners, and Bank Officers in
ini. this Annual Report.
Keahlian Expertise Digital Banking, Manajemen, Bisnis, dan Perbankan. Digital Banking, Management, Business, and Banking.
Riwayat Jabatan • PT Bank KEB Hana Indonesia; • PT Bank KEB Hana Indonesia;
Position History - Direktur Perbankan Konsumer (2021-2023); dan - Consumer Banking Director (2021-2023); and
- Chief Consumer Banking Officer (2021); - Chief Consumer Banking Officer (2021);
• Executive Vice President, Head of Digital Business • Executive Vice President, Head of Digital Business
Development Directorate Strategy, Finance & Development Directorate Strategy, Finance & SPAPM
SPAPM PT Bank CIMB Niaga Tbk (2018-2021); PT Bank CIMB Niaga Tbk (2018-2021);
• Group Head of Digital Banking PT Bank Sinarmas • Group Head of Digital Banking PT Bank Sinarmas Tbk
Tbk (2017-2018); (2017-2018);
• PT Bank Permata Tbk: • PT Bank Permata Tbk:
- Senior Vice President, Head of Business - Senior Vice President, Head of Business
Transformation, Business Transformation Transformation, Business Transformation Strategy
Strategy Office Group (2016-2017); and Office Group (2016-2017); and
• Head of Astra Synergy (2014-2016). • Head of Astra Synergy (2014-2016).
Rangkap Jabatan Beliau juga menjabat sebagai: He also served as:
Concurrent Position • Anggota Komite Asset and Liability PT Bank KEB • Member of Asset and Liability Committee of PT Bank
Hana Indonesia (sejak 2021 – 2023); KEB Hana Indonesia (since 2021 – 2023);
• Anggota Komite Manajemen Risiko PT Bank KEB • Member of Risk Management Committee of PT Bank
Hana Indonesia (sejak 2021 – 2023); KEB Hana Indonesia (since 2021 – 2023);
• Anggota Komite Kebijakan Perkreditan PT Bank • Member of Credit Policy Committee of PT Bank KEB
KEB Hana Indonesia (sejak 2021 – 2023); Hana Indonesia (since 2021 – 2023);
• Anggota Komite Kredit PT Bank KEB Hana • Member of Loan Committee of PT Bank KEB Hana
Indonesia (sejak 2021 – 2023); Indonesia (since 2021 – 2023);
• Anggota Komite Pengembangan Produk PT Bank • Member of Product Development Committee of PT
KEB Hana Indonesia (sejak 2021 – 2023); Bank KEB Hana Indonesia (since 2021 – 2023);
• Anggota Komite Pengarah Teknologi Informasi PT • Member of IT Steering Committee of PT Bank KEB
Bank KEB Hana Indonesia (sejak 2021 – 2023); dan Hana Indonesia (since 2021 – 2023); and
• Anggota Komite Sumber Daya Manusia PT Bank • Member of Human Capital Committee of PT Bank
KEB Hana Indonesia (sejak 2021 – 2023). KEB Hana Indonesia (since 2021 – 2023).
Hubungan Afiliasi Tidak memiliki hubungan keuangan, kepemilikan Having no financial, share ownership, and/or family
Affiliation saham, dan/atau keluarga dengan anggota Dewan relationship with members of Board of Commissioners,
Relationship Komisaris, anggota Direksi lainnya, dan/atau other members of Board of Directors, and/or the
Pemegang Saham Utama dan Pengendali PT Bank Majority and Controlling Shareholders of PT Bank KEB
KEB Hana Indonesia. Hana Indonesia.
Keterangan: / Notes:
3)
Efektif mengundurkan diri sebagai Direktur tanggal 1 Januari 2024.
EEffectively resigned as a Director on 1 January 2024.
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 75
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Hang Keun Cho4)
Direktur Keuangan
Finance Director
Kewarganegaraan Usia
Nationality Age
Korea Selatan 53 tahun | years old
Republic of Korea
Domisili Periode
Domicile Period
Jakarta 2022-2023
Riwayat Penunjukan Diangkat sebagai Direktur berdasarkan keputusan Appointed as a Director based on the Annual GMS
Appointment RUPS Tahunan tanggal 12 Juni 2020 dan mendapat Resolutions on 12 June 2020 and received approval
History persetujuan Otoritas Jasa Keuangan tanggal 22 from Financial Services Authority on 22 December 2020.
Desember 2020. Efektif menjabat sebagai Direktur Effectively serving as a Director as of 14 January 2021. His
tanggal 14 Januari 2021. Pengangkatan terakhir sejak last appointment was based on the Annual GMS dated
RUPS Tahunan tanggal 3 Juni 2022. 3 June 2022.
Tugas dan Bertanggung jawab atas Divisi Treasury, Divisi Global Responsible for the Treasury Division, Global Marketing
Tanggung Jawab Marketing, Divisi Finance Planning, Divisi Business Division, Finance Planning Division, Business
Duties and Performance and Analytic, dan Departemen General Performance and Analytic Division, and General Affair
Responsibilities Affair. Department.
Riwayat Pendidikan • Sarjana Ekonomi, Universitas Sungkyunkwan, • Bachelor of Economics, Sungkyunkwan University,
dan Pelatihan Seoul (1994); dan Seoul (1994); and
Education and • Pelatihan pada tahun 2023 dapat dilihat di • Trainings attended in 2023 can be found in Appendix
Training History Lampiran I Tabel Profil, Pendidikan, dan/atau I of the Table of Profile, Education, and/or Training
Pelatihan Pengurus, Pihak Independen Anggota of the Management, Independent Party, Members
Direksi, dan Pejabat Bank pada Laporan Tahunan of the Board of Directors, and Bank Officers in this
ini. Annual Report.
Keahlian Expertise Manajemen, Bisnis, Transformasi Digital, dan Management, Business, Digital Transformation, and
Perbankan. Banking.
Riwayat Jabatan • Direktur Keuangan PT Bank KEB Hana Indonesia • Finance Director of PT Bank KEB Hana Indonesia
Position History (2021-4 Mei 2023); (2021-4 May 2023);
• General Manager Global Group KEB Hana Bank, • General Manager Global Group of KEB Hana Bank,
Korea (2020-2021); Korea (2020-2021);
• Team Head International Trade Product and • Team Head of International Trade Product and
Support Department KEB Hana Bank, Korea Support Department of KEB Hana Bank, Korea
(2017-2020); (2017-2020);
• Marketing General Manager Jeung Kwon Town • Marketing General Manager of Jeung Kwon Town
Branch KEB Hana Bank, Korea (2015- 2017); dan Branch of KEB Hana Bank, Korea (2015-2017); and
• Kepala Divisi Credit Review PT Bank KEB Hana • Head of the Credit Review Division of PT Bank KEB
Indonesia (2011-2015). Hana Indonesia (2011-2015).
Rangkap Jabatan Beliau juga menjabat sebagai: He also served as:
Concurrent Position • Ketua Komite Asset and Liability PT Bank KEB • Chairman of Asset and Liability Committee of PT
Hana Indonesia (sejak 2021 – 4 Mei 2023); Bank KEB Hana Indonesia (since 2021–4 May 2023);
• Ketua Komite Manajemen Risiko PT Bank KEB • Chairman of Risk Management Committee of PT
Hana Indonesia (sejak 2021 – 4 Mei 2023); Bank KEB Hana Indonesia (since 2021–4 May 2023);
• Ketua Komite Pengembangan Produk PT Bank • Chairman of Product Development Committee of PT
KEB Hana Indonesia (sejak 2021– 4 Mei 2023); Bank KEB Hana Indonesia (since 2021–4 May 2023);
• Anggota Komite Kredit PT Bank KEB Hana • Member of Loan Committee of PT Bank KEB Hana
Indonesia (sejak 2021– 4 Mei 2023); Indonesia (since 2021–4 May 2023);
• Anggota Komite Pengarah Teknologi Informasi PT • Member of IT Steering Committee of PT Bank KEB
Bank KEB Hana Indonesia (sejak 2021– 4 Mei 2023); Hana Indonesia (since 2021–4 May 2023); and
dan • Member of Human Capital Committee of PT Bank
• Anggota Komite Sumber Daya Manusia PT Bank KEB Hana Indonesia (since 2021–4 May 2023).
KEB Hana Indonesia (sejak 2021– 4 Mei 2023).
Hubungan Afiliasi Tidak memiliki hubungan keuangan, kepemilikan Having no financial, share ownership, and/or family
Affiliation saham, dan/atau keluarga dengan anggota Dewan relationship with members of Board of Commissioners,
Relationship Komisaris, anggota Direksi lainnya, dan/atau other members of Board of Directors, and/or the
Pemegang Saham Utama dan Pengendali PT Bank Majority and Controlling Shareholders of PT Bank KEB
KEB Hana Indonesia. Hana Indonesia.
Keterangan: / Notes:
4)
Efektif mengundurkan diri sebagai Direktur tanggal 5 Mei 2023.
Effectively resigned as a Director on 5 May 2023.
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Operational Aspects Corporate Governance Sustainability Report Financial Statements
Junita Wangsadinata5)
Direktur Bisnis
Business Director
Kewarganegaraan Usia
Nationality Age
Indonesia 60 tahun | years old
Domisili Periode
Domicile Period
Jakarta 2022-2023
Riwayat Penunjukan Diangkat sebagai Direktur berdasarkan keputusan Appointed as a Director based on the Extraordinary
Appointment RUPS Luar Biasa tanggal 30 Maret 2021 dan GMS Resolutions dated 30 March 2021 and received
History mendapat persetujuan Otoritas Jasa Keuangan approval from Financial Services Authority on 12 March
tanggal 12 Maret 2021. Efektif menjabat sebagai 2021. Effectively serving as a Director as of 30 March
Direktur tanggal 30 Maret 2021. Pengangkatan 2021. Her last appointment was based on the Annual
terakhir sejak RUPS Tahunan tanggal 3 Juni 2022. GMS dated 3 June 2022.
Tugas dan Bertanggung jawab atas Chief Business Officer, Divisi Responsible for the Chief Business Officer, Commercial
Tanggung Jawab Commercial Banking, Divisi Corporate Banking, Divisi Banking Division, Corporate Banking Division, Private
Duties and Private Banking, Divisi Transaction Banking, Divisi Banking Division, Transaction Banking Division,
Responsibilities International Banking, dan Divisi Business Support. International Banking Division, and Business Support
Division.
Riwayat Pendidikan • Master of Business Administration, University of • Master of Business Administration, University of San
dan Pelatihan San Francisco, San Francisco (1984); Francisco, San Francisco (1984);
Education and • Sarjana Science, San Francisco State University, San • Bachelor of Science, San Francisco State University,
Training History Francisco (1983); dan San Francisco (1983); and
• Pelatihan pada tahun 2023 dapat dilihat di • Trainings attended in 2023 can be found in Appendix
Lampiran I Tabel Profil, Pendidikan, dan/atau I of the Table of Profile, Education, and/or Training
Pelatihan Pengurus, Pihak Independen Anggota of the Management, Independent Party, Members
Direksi, dan Pejabat Bank pada Laporan Tahunan of the Board of Directors, and Bank Officers in this
ini. Annual Report.
Keahlian Expertise Ekonomi, Manajemen, Bisnis, dan Perbankan. Economics, Management, Business, and Banking
Riwayat Jabatan • Direktur Bisnis PT Bank KEB Hana Indonesia • Business Director of PT Bank KEB Hana Indonesia
Position History (2021-2023); (2021–2023);
• Independent Financial Consultant (2019-2020); • Independent Financial Consultant (2019-2020);
• PT Bank QNB Indonesia Tbk: • PT Bank QNB Indonesia Tbk:
- Acting Chief Executive Officer and Wholesale - Acting Chief Executive Officer and Wholesale
Banking Director (2017-2019); and Banking Director (2017-2019); and
- Wholesale Banking Director (2017); - Wholesale Banking Director (2017);
• PT Bank CIMB Niaga Tbk: • PT Bank CIMB Niaga Tbk:
- Board of Management, Chief of Commercial - Board of Management, Chief of Commercial
Banking (2016-2017); Banking (2016-2017);
- Board of Management, Coordinator Corporate - Board of Management, Coordinator Corporate
Client Solutions (2014-2015); Client Solutions (2014-2015);
- Executive Vice President, Head of Corporate - Executive Vice President, Head of Corporate
Client Solutions II (2010-2014); Client Solutions II (2010-2014);
- Senior Vice President, Corporate Client Solutions - Senior Vice President, Corporate Client Solutions
(CCS) 3 Group Head (2009-2010); (CCS) 3 Group Head (2009-2010);
- Senior Vice President, Corporate Banking IV - Senior Vice President, Corporate Banking IV
Head (2008-2009); Head (2008-2009);
• PT Bank Lippo Tbk: • PT Bank Lippo Tbk:
- Vice President, Corporate Banking Group Head - Vice President, Corporate Banking Group Head
(2006-2008); (2006-2008);
- Vice President, Network Group Head - Vice President, Network Group Head
(2005-2006); (2005-2006);
- Vice President, General Affairs Group Head - Vice President, General Affairs Group Head
(2004-2005); (2004-2005);
- Senior Vice President, General Affairs Group - Senior Vice President, General Affairs Group
Head (2003-2004); Head (2003-2004);
- Assistant to General Affairs Group Head (2002- - Assistant to General Affairs Group Head (2002-
2003); 2003);
- Vice President, Assistant to Business Operations - Vice President, Assistant to Business Operations
Director (1999-2000); and Director (1999-2000); and
- Vice President, Branch Banking II Group Head - Vice President, Branch Banking II Group Head
(1997-1999). (1997-1999).
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Junita Wangsadinata5)
Direktur Bisnis
Business Director
Rangkap Jabatan Beliau juga menjabat sebagai: She also served as:
Concurrent Position • Anggota Komite Asset and Liability PT Bank KEB • Member of Asset and Liability Committee of PT Bank
Hana Indonesia (sejak 2021–9 Juni 2023); KEB Hana Indonesia (since 2021–9 June 2023);
• Anggota Komite Manajemen Risiko PT Bank KEB • Member of Risk Management Committee of PT Bank
Hana Indonesia (sejak 2021–9 Juni 2023); KEB Hana Indonesia (since 2021–9 June 2023);
• Anggota Komite Kebijakan Perkreditan PT Bank • Member of Credit Policy Committee of PT Bank KEB
KEB Hana Indonesia (sejak 2021–9 Juni 2023); Hana Indonesia (since 2021–9 June 2023);
• Anggota Komite Pengembangan Produk PT Bank • Member of Product Development Committee of PT
KEB Hana Indonesia (sejak 2021–9 Juni 2023); Bank KEB Hana Indonesia (since 2021–9 June 2023);
• Anggota Komite Kredit PT Bank KEB Hana • Member of Loan Committee of PT Bank KEB Hana
Indonesia (sejak 2021–9 Juni 2023); Indonesia (since 2021–9 June 2023);
• Anggota Komite Pengarah Teknologi Informasi PT • Member of IT Steering Committee of PT Bank KEB
Bank KEB Hana Indonesia (sejak 2021–9 Juni 2023); Hana Indonesia (since 2021–9 June 2023); and
dan • Member of Human Capital Committee of PT Bank
• Anggota Komite Sumber Daya Manusia PT Bank KEB Hana Indonesia (since 2021–9 June 2023).
KEB Hana Indonesia (sejak 2021-9 Juni 2023).
Hubungan Afiliasi Tidak memiliki hubungan keuangan, kepemilikan Having no financial, share ownership, and/or family
Affiliation saham, dan/atau keluarga dengan anggota Dewan relationship with members of Board of Commissioners,
Relationship Komisaris, anggota Direksi lainnya, dan/atau other members of Board of Directors, and/or the
Pemegang Saham Utama dan Pengendali PT Bank Majority and Controlling Shareholders of PT Bank KEB
KEB Hana Indonesia. Hana Indonesia.
Keterangan: / Notes:
5)
Efektif mengundurkan diri sebagai Direktur pada penutupan RUPS Tahunan tanggal 9 Juni 2023.
Effectively resigned as a Director at the closing of the Annual GMS on 9 June 2023.
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Demografi Karyawan
Employee Demographic
Klasifikasi Karyawan berdasarkan Level Jabatan
Employee Classification based on Organizational Level
Level Jabatan 2023 2022 2021 Organizational Level
Manajerial 366 359 336 Manager
Penyelia 516 473 488 Supervisor
Staf 251 265 209 Staff
Jumlah 1.133 1.097 1.033 Total
Klasifikasi Karyawan berdasarkan Status Kepegawaian
Employee Classification based on Status of Employment
Status Kepegawaian 2023 2022 2021 Status of Employment
Tetap 1.036 972 995 Permanent Employee
Kontrak 97 125 38 Contract Employee
Jumlah 1.133 1.097 1.033 Total
Klasifikasi Karyawan berdasarkan Tingkat Pendidikan
Employee Classification Based on Level of Education
Tingkat Pendidikan 2023 2022 2021 Level of Education
S2 83 79 78 Doctorate
S1 909 887 843 Graduate
D3 81 77 67 Diploma
SLTA 60 54 45 Senior Highschool
Jumlah 1.133 1.097 1.033 Total
Klasifikasi Karyawan berdasarkan Usia
Employee Classification Based on Age
Usia 2023 2022 2021 Age
>46 Tahun 124 113 122 >46 Years
36-45 Tahun 374 363 360 36-45 Years
26-35 Tahun 559 533 525 26-35 Years
<25 Tahun 76 88 26 <25 Years
Jumlah 1.133 1.097 1.033 Total
Klasifikasi Karyawan berdasarkan Jenis Kelamin
Employee Classification Based on Gender
Jenis Kelamin 2023 2022 2021 Gender
Pria/Male 585 569 511 Pria/Male
Wanita/Female 548 528 522 Wanita/Female
Jumlah 1.133 1.097 1.033 Total
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Profil Pejabat Eksekutif
Profile of Senior Officers
Nama Pejabat Eksekutif Jabatan Tanggal Efektif Kewarganegaraan
Name of Senior Officers Position Effective Date Citizenship
Ida Ayu Putu Debiyani Branch Manager KC Bali 15-Feb-16 Indonesia | Indonesian
Fajar Siddiq Isnaeni Branch Manager KC Subang 31-Jul-17 Indonesia | Indonesian
Benjamin Beny Pramono Branch Manager KC Cirebon 24-Feb-17 Indonesia | Indonesian
Sumia Chief Human Capital and 18-Jun-08 Indonesia | Indonesian
Operation Officer
Hendri Setiawan Chief Business Officer 1-Aug-08 Indonesia | Indonesian
Novalita Imanuddin Chief Risk Officer 20-Jul-20 Indonesia | Indonesian
Kwa See Hong Branch Manager KC Surabaya 8-Feb-21 Indonesia | Indonesian
Manyar
Perina Hermanto Branch Manager KC 26-Aug-16 Indonesia | Indonesian
Mangkuluhur
Teja Kurnia Branch Manager KC Bandung 10-Mar-21 Indonesia | Indonesian
Dago
Rafael Head of CSS and Policy 17-Sep-20/ Indonesia | Indonesian
Management
Sondang M T Siregar Head of Special Asset 23-Nov-20 Indonesia | Indonesian
Management and Appraisal
Emmanuela Chrisanti A Head of Loan Product 14-May-18 Indonesia | Indonesian
Susanty Area Manager KC Medan 3-Nov-14 Indonesia | Indonesian
Sudirman
Christian Tjitrahardja Head of Contact Center and 26-Aug-19 Indonesia | Indonesian
Collection
Adi Haryadi Head of E-Channel 1-Jun-21 Indonesia | Indonesian
Management
Jimmy Wijaya Head of Corporate Banking 29-Oct-13 Indonesia | Indonesian
Eun Sung Lee Head of Private Banking 23-Nov-21 Korea Selatan | South Korean
Cahyari Indra Head of Business 12-Apr-18 Indonesia | Indonesian
Performance and Analytic
Vitriawati Head of Learning and Talent 18-Sep-14 Indonesia | Indonesian
Development
Anthoneus Ismojo Djati Head of AMLO CTF 15-Dec-19 Indonesia | Indonesian
Rahmat Hendratama Head of Finance Planning 9-Mar-20 Indonesia | Indonesian
Tjetjen Saputra Head of Compliance 6-Apr-20 Indonesia | Indonesian
Mifta Chul Chaq Mahfoed Head of Internal Audit 15-Jul-19 Indonesia | Indonesian
Kim Dong Lak Head of Global Marketing 3 16-Oct-20 Korea Selatan | South Korean
Yordan Demesky Head of Litigation 25-Feb-21 Indonesia | Indonesian
Mitchell Suryatenggara Head of Credit Review 2 25-Jul-11 Indonesia | Indonesian
Seo Jung Woo Head of Treasury 4-Sep-20 Korea Selatan | South Korean
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Nama Pejabat Eksekutif Jabatan Tanggal Efektif Kewarganegaraan
Name of Senior Officers Position Effective Date Citizenship
Margareth Head of International Banking 10-Feb-20 Indonesia | Indonesian
Kwon Tae Geun Head of Information 18-Mar-21 Korea Selatan | South Korean
Technology
Diah Octaviani Kusnomo Head of IT PMO 17-Jan-22 Indonesia | Indonesian
Jung Il Han Head of Digital Business 27-Jan-22 Korea Selatan | South Korean
Strategy
Dedy Susanto Branch Manager KC Lampung 2-Feb-22 Indonesia | Indonesian
Adithia Isdiyanto Head of Sales and Distribution 18-Jan-16 Indonesia | Indonesian
Seti Autama
Inwoong Bahng Head of Digital Banking IT 14-Feb-22 Korea Selatan | South Korean
Specialist
Frenky Branch Manager KC 9-May-22 Indonesia | Indonesian
Palembang
Julianti Hosen Head of Banking Service 1-Jun-22 Indonesia | Indonesian
Management
Hartatmi Pancawati Branch Manager KC Solo 1-Aug-22 Indonesia | Indonesian
Simon Himawan Prabowo Branch Manager KC 19-May-22 Indonesia | Indonesian
Semarang
Lisa Christiana Head of HC Business Partner 3-Oct-22 Indonesia | Indonesian
and Talent Acquisition
Yan Harlan Sanjaya Branch Manager KC Bogor 16-Feb-15 Indonesia | Indonesian
Padjajaran
Rachmad Setiawan Sh Head of Legal 1-Jan-23 Indonesia | Indonesian
Rahman Fianto Head of Commercial Banking 3-Jun-20 Indonesia | Indonesian
Sungwun Jung Head of Global Marketing 1 6-Apr-23 Korea Selatan | South Korean
Youngkwon Kim Head of Credit Review 24-May-23 Korea Selatan | South Korean
Sang Won Hwang Head of Strategy Planning 10-Jul-23 Korea Selatan | South Korean
Ferdy Yasin Branch Manager KC Makassar 8-Aug-16 Indonesia | Indonesian
Purnama Sidik Branch Manager KC Cilegon 13-Jun-19 Indonesia | Indonesian
Permata
Tanuwijaya Diana Head of Funding Product and 1-Oct-23 Indonesia | Indonesian
Digital Marketing
Octavianus Michael Djohan Head of Technology Product 23-Oct-23 Indonesia | Indonesian
Development
Yorika Head of Tax 23-Oct-23 Indonesia | Indonesian
Vonny Irawan Head of Transaction Banking 1-Sep-21 Indonesia | Indonesian
and Partnership
Marco Wirjadi Head of SME 6-Jul-12 Indonesia | Indonesian
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Komposisi Pemegang Saham
Shareholders Composition
Komposisi Pemegang Saham Kurang dari 5%
Shareholders of More than 5% Shares
Pemegang Saham Jumlah Saham (Lembar Saham) Persentase Kepemilikan
Shareholders Number of Shares Percentage of Ownership (%)
KEB Hana Bank, Korea 2.180.624.663 69,010
LINE Financial Corporation 632.018.513 20,000
International Finance Corporation 315.509.753 9,980
Pemegang Saham Berdasarkan Status Kepemilikan
Shareholders Based on Status of Ownership
Total Modal
Persentase
Ditempatkan dan Status
Jumlah Saham Kepemilikan
Pemegang Saham Disetor Penuh Kepemilikan
(Lembar Saham) Percentage of
Shareholders Total of Issued and Status
Number of Shares Ownership
Paid-up Capital Ownership Status
(%)
(Rp)
KEB Hana Bank, Korea 2.180.624.663 69,010 2.180.624.663.000 Institusi Asing
Foreign Institution
LINE Financial 632.018.513 20,000 632.018.513.000 Institusi Asing
Corporation Foreign Institution
International Finance 315.509.753 9,980 315.509.753.000 Institusi Asing
Corporation Foreign Institution
Biantoro Setijo 14.536.259 0,460 14.536.259.000 Individu Lokal
Local Individual
Ludijanto Setijo 9.492.750 0,300 9.492.750.000 Individu Lokal
Local Individual
Lilana Gani 3.955.313 0,125 3.955.313.000 Individu Lokal
Local Individual
Lilik Setijo 3.955.312 0,125 3.955.312.000 Individu Lokal
Local Individual
Jumlah 3.160.092.563 100,000 3.160.092.563.000 Total
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Kepemilikan Saham Dewan Komisaris dan Direksi
Share Ownership of Board of Commissioners and Board of Directors
Kepemilikan Secara Kepemilikan Secara
Langsung Tidak Langsung
Direct Ownership Indirect Ownership
Nama Jabatan Jumlah Persentase Jumlah Persentase
Name Position Saham Kepemilikan Saham Kepemilikan
Number of Percentage of Number of Percentage of
Shares Ownership Shares Ownership
(Lembar) (%) (Lembar) (%)
Sungwhan Lee Komisaris Utama - - - -
President Commissioner
Dino Patti Komisaris Independen - - - -
Djalal Independent
Commissioner
Eka Noor Asmara Komisaris Independen - - - -
Independent
Commissioner
Jong Jin Park Direktur Utama - - - -
President Director
Seong Hyeok Mun Direktur Keuangan - - - -
Finance Director
Sang Keun Kwak Direktur Teknologi - - - -
Informasi
Information Technology
Director
Bayu Wisnu Direktur Kepatuhan dan - - - -
Wardhana Legal
Compliance and Legal
Director
Geoffry Nugraha Direktur Bisnis - - - -
Business Director
Ratna Ningsih Direktur Kredit - - - -
Credit Director
Anton Direktur Perbankan - - - -
Hermawan3) Konsumer
Consumer Banking
Director
Keterangan: / Notes:
3)
Efektif mengundurkan diri sebagai Direktur tanggal 1 Januari 2024.
EEffectively resigned as a Director on 1 January 2024.
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Pemegang Saham Utama dan
Pengendali
Ultimate and Controlling Shareholders
Hana
Financial
Group
100%
LINE International
KEB Hana Biantoro Ludijanto
Financial Finance Lilana Gani Lilik Setijo
Bank, Korea Setijo Setijo
Corporation Corporation 0,125% 0,125%
69,010% 0,460% 0,300%
20,000% 9,980%
PT Bank KEB Hana Indonesia
Kronologi Pencatatan Saham
Share Listing Chronology
Hingga akhir tahun buku 2023, PT Bank KEB Hana Until the end of the financial year 2023, PT Bank
Indonesia tidak melakukan penawaran umum KEB Hana Indonesia did not conduct a public
saham kepada publik melalui bursa efek mana offering of shares to the public through any stock
pun. Dengan demikian, tidak terdapat informasi exchange. As such, there is no listing information.
pencatatan saham.
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Kronologi Penerbitan dan/atau
Pencatatan Efek Lainnya
Share Listing Chronology
Sampai dengan akhir tahun 2023, Bank Hana Until the end of 2023, Hana Bank will not issue
tidak menerbitkan- obligasi maupun efek lainnya bonds or other securities so there is no information
sehingga tidak terdapat informasi mengenai regarding the listing of other securities.
pencatatan efek lainnya.
Namun dapat disampaikan Pada tahun 2016 Bank But as information. In 2016 Hana Bank carried out
Hana melakukan aksi korporasi yaitu Menerbitkan a corporate action, namely issuing Hana Bank
Obligasi Subordinasi I Bank Hana senilai Rp244 Subordinated Bonds I worth Rp244 billion and
miliar dan USD47,5 juta dan jatuh tempo pada USD47.5 million and matured on December 21
21 Desember 2023. Bank Hana telah melakukan 2023. Hana Bank has made payments on the bonds
pembayaran Obligasi tersebut sesuai jadwal yang according to the predetermined schedule.
telah di tetapkan.
Uraian Obligasi Subordinasi I Bank Hana Obligasi Subordinasi I Bank Hana
Description Subordinated Bond I Hana Bank Subordinated Bond I Hana Bank
Tanggal Efektif dari Otoritas Jasa
Keuangan 17 November 2016 15 Desember 2016
Effictive Date from Financial November 17, 2016 December 15, 2016
Services Authority
Masa Penawaran Umum 21 November - 2 Desember 2016 16 Desember 2016
Public Offering Term November 21, - Desember 2, 2016 December 16, 2016
Tanggal Pencatatan di Bursa Efek
Indonesia 22 Desember 2016 22 Desember 2016
Listing Date on Indonesia Stock Desember 22, 2016 December 22, 2016
Exchange
Tanggal Jatuh Tempo 21 Desember 2023 21 Desember 2016
Maturity Date Desember 21, 2023 December 21, 2016
Nilai Penawaran
Rp 244.000.000.000 USD 47,500,000
Bid Value
Peringkat Efek Securities
AA(idn) AA(idn)
Securities Rating
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Struktur Grup
Group Structure
Hana Financial Group
100% 100%
Hana Capital Co Ltd KEB Hana Bank, Korea
69,010%
55% PT Bank KEB Hana
Indonesia
30%
PT Sinarmas Hana Pihak Terelasi
Finance Related Parties
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Entitas Anak dan Joint Venture
Subsidiaries and Joint Venture
Hingga akhir tahun buku 2023, Hana Bank tidak As of the end of financial year 2023, Hana Bank
memiliki entitas anak. Bank hanya memiliki 1 (satu) does not have any subsidiaries. The Bank only has
perusahaan afiliasi, yang rinciannya diuraikan di 1 (one) affiliated company, the details of which are
bawah ini: outlined below:
PT Sinarmas Hana Finance
TANGGAL PENDIRIAN STATUS OPERASI
Date of Establishment Operation Status
9 Juni 2015 Beroperasi
9 June 2015 Operating
STATUS KEPEMILIKAN
Ownership Status
PT Sinarmas Hana Finance merupakan gabungan usaha dari Hana Capital Co
Ltd, PT Bank KEB Hana Indonesia, dan PT Sinar Mas Multiartha Tbk.
PT Sinarmas Hana Finance is a joint venture of Hana Capital Co Ltd,
PT Bank KEB Hana Indonesia, and PT Sinar Mas Multiartha Tbk.
PEMEGANG SAHAM TOTAL ASET
Share Ownership Total Assets
Rp1.522 miliar/billion
Hana Capital Co Ltd (55%)
PT Bank KEB Hana Indonesia (30%)
100% PT Sinarmas Multiartha Tbk (15%)
DASAR HUKUM PENDIRIAN
Legal Basis of Establishment
Akta Pendirian No. 14 tanggal 9 Juni 2015 oleh Notaris Edwar dan baru beroperasi
pada 20 November 2015 sesuai dengan persetujuan dari Otoritas Jasa Keuangan
- Industri Keuangan Non-Bank melalui surat No. SR-6088/NB.111/2015 tanggal 20
November 2015.
Deed of Establishment No. 14 dated 9 June 2015 by Notary Edwar and started
operating on 20 November 2015 pursuant to the approval of the Financial Services
Authority - Non-Bank Financial Industry through letter No. SR-6088/NB.111/2015
dated 20 November 2015.
PENGURUS
Management
Dewan Komisaris/Board of Commissioner Direksi/Board of Directors
Komisaris Utama/President Commissioner: Park Dong Wook Direktur Utama/Presiden Director: Seo Ji Su
Komisaris Independen/Independent Direktur/Director: Chang Won Suk
Commissioner: Herry Hermana Sukriawidjaja Direktur/Director: Andrew Ludy
Komisaris/Commissioner: Nasser Atorf Direktur/Director: Agustinus Budi Antoro, SE
ALAMAT PERUSAHAAN
Company’s Address
Gedung Roxy Square Lt.3 B1 No.2 Jl. Kyai Tapa No. 1,
Tomang, Grogol Petamburan Jakarta Barat, 11440
(+6221) 5695 4670
(+6221) 5695 4678
info@shf.co.id
www.sinarmashanafinance.co.id
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Kinerja Keuangan PT Sinarmas Hana Finance
Financial Performance of PT Sinarmas Hana Finance
(dalam jutaan rupiah) | (in million rupiah)
Uraian 2023 2022 2021 2020 2019 Description
Statements of Profit
Laporan Laba Rugi
Diaudit Diaudit Diaudit Diaudit Diaudit or Loss and Other
dan Penghasilan
Audited Audited Audited Audited Audited Comprehensive
Komprehensif Lain
Income
Pendapatan Income
Bunga Pembiayaan 85.809 73.314 95.428 119.504 118.751 Customer Financing
Konsumen Interest
Bunga Pinjaman 124.871 113.359 61.111 17.585 8.624 Loan Interest Provided
Diberikan
Administrasi 5.851 7.546 10.668 16.053 3.353 Administration
Pendapatan Bunga 8 7 7 1.228 640 Interest Income
Asuransi 3.812 3.680 3.349 3.984 1.930 Insurance
Lain-Lain 1.349 2.770 3.656 1.832 3.968 Others
Total Pendapatan 221.700 200.675 174.219 160.186 137.266 Total Income
Beban Expenses
Gaji dan Tunjangan 42.295 36.440 34.923 34.977 29.536 Salary and Allowance
Umum dan 50.202 40.625 36.890 31.735 28.144 General and
Administrasi Administration
Kerugian Penurunan 24.880 16.930 4.097 43.447 24.584 Impairment Losses
Nilai Piutang dan of Receivables and
Agunan yang Diambil Foreclosed Assets
Alih
Beban Bunga dan 91.053 60.644 47.888 60.378 61.772 Interest Expenses
Beban Keuangan and Other Financial
Lainnya Expenses
Penyusutan 4.238 4.192 4.052 4.556 2.566 Depreciation
Rugi Penjualan - - 19.193 10.772 - Losses on Foreclosed
Agunan Diambil Alih Assets Sales
Rugi Penjualan Aset - - - - - Losses on Fixed Assets
Tetap Sales
Lain-lain – Bersih - - 31 47 109 Others – Net
Total Beban 212.668 158.693 147.074 185.911 146.710 Total Expenses
(Rugi) Laba 9.032 41.983 27.145 (25.725) (9.445) (Loss) Income
Sebelum Pajak Before Tax
Beban (Penghasilan) Expenses (Income)
Sebelum Pajak Before Tax
Kini 8.694 11.541 2.377 - - Current
Tangguhan (777) (196) (8) (104) (312) Deferred
(Rugi) Laba – Bersih 7.917 30.638 24.776 (25.621) (9.133) (Loss) Profit - Net
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Kinerja Keuangan PT Sinarmas Hana Finance
Financial Performance of PT Sinarmas Hana Finance
(dalam jutaan rupiah) | (in million rupiah)
Uraian 2023 2022 2021 2020 2019 Description
Pendapatan Komprehensif Other Comprehensive
Lain Income
Pengukuran Kembali (61) 331 190 855 (161) Remeasurement
Liabilitas Imbalan Pasti of Defined Benefit
Liabilities
Pajak Sehubungan 13 (73) (42) (188) 40 Taxes Relating to
dengan Pos yang Tidak Items That Will not be
Akan Direklasifikasi Reclassified
Total Pendapatan (48) 258 148 667 (121) Total Other
Komprehensif Lain Comprehensive
Income
Total Laba (Rugi) 1.067 30.896 24.924 (24.954) (9.254) Total Comprehensive
Komprehensif Income (Loss)
Laporan Posisi Audited Audited Audited Audited Audited Statement of
Keuangan Financial Position
Aset Assets
Kas dan Setara Kas 7.570 2.113 2.148 2.685 11.860 Cash and Cash
Equivalents
Piutang Pembiayaan Customer Financing
Konsumen Receivables
Pihak Ketiga 605.738 507.444 526.423 788.787 1.020.900 Third Parties
Pendapatan (154.850) (116.166) (95.157) (164.695) (238.922) Unrecognised
Pembiayaan Consumer Financing
Konsumen yang Income
Belum Diakui
Total 450.888 391.278 431.266 624.092 781.978 Total
Cadangan Kerugian (13.044) (7.172) (18.579) 24.624 (5.800) Allowance for
Penurunan Nilai Impairment Losses
Total – Bersih 437.844 384.106 412.688 599.468 776.178 Total – Net
Pinjaman yang 954.548 985.397 734.378 342.943 71.832 Loans
Diberikan
Piutang Lain-Lain 14.691 12.031 12.160 12.491 16.510 Other Receivables
Biaya Dibayar Dimuka 7.166 8.568 8.097 8.642 4.621 Prepaid Expenses
Aset Pajak Tangguhan 1.648 857 734 768 852 Deferred Tax Assets
Aset Tetap 10.472 10.799 6.516 7.688 6.531 Fixed Assets
Agunan yang Diambil 87.347 2.215 2.619 22.726 11.469 Foreclosed Assets
Alih
Aset Lain-Lain 455 444 390 636 4.203 Other Assets
Total Aset 1.521.741 1.406.530 1.179.730 998.047 904.055 Total Assets
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Kinerja Keuangan PT Sinarmas Hana Finance
Financial Performance of PT Sinarmas Hana Finance
(dalam jutaan rupiah) | (in million rupiah)
Uraian 2023 2022 2021 2020 2019 Description
Liabilitas dan Ekuitas Liabilities and Equity
Pinjaman yang 1.144.935 1.024.917 840.858 692.850 766.954 Borrowings
Diterima
Utang Pajak 474 6.951 2.646 320 510 Taxes Payables
Beban Akrual 9.746 9.846 5.896 4.007 5.347 Accrual Expenses
Imbalan Kerja Jangka 4.806 3.905 3.293 3.765 3.408 Long-term Employee
Panjang Benefits
Liabilitas Lain-lain 11.555 11.243 8.775 3.766 5.412 Other Liabilities
Total Liabilitas 1.171.516 1.057.372 861.468 704.709 781.630 Total Liabilities
Ekuitas Equity
Modal Saham 350.000 350.000 350.000 350.000 150.000 Capital Stock
Saldo Laba 225 (842) (31.738) (56.662) (27.575) Retained Earnings
Total Ekuitas 350.225 349.158 318.262 293.338 122.425 Total Equity
Total Liabilitas dan 1.521.741 1.406.530 1.179.730 998.047 904.055 Total Liabilities and
Ekuitas Equity
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Kantor Akuntan Publik
Public Accountant Firm
Amir Abadi Jusuf, Aryanto, Mawar & Rekan (Anggota jaringan global RSM)
Amir Abadi Jusuf, Aryanto, Mawar & Partner (Member firm of RSM International Network)
Alamat Plaza Asia, Level 10
Address Jl. Jend. Sudirman Kav. 59 Jakarta, 12190
Tel : (+6221) 5140 1340 | Fax : (+6221) 5140 1350
Jasa yang Diberikan Menyediakan jasa audit Laporan Keuangan tahun buku 2023.
Service Provided Provide audit service on Financial Statements of fiscal year 2023
Periode Penugasan 2023
Period of Assignment
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Lembaga dan Profesi Penunjang
Supporting Institutions And Professions
Notaris Rekanan
Partner Notary
Hannywati Gunawan, SH
Jl. Mangga Besar V No. 10 Jakarta Barat, 1180 Jasa yang Diberikan:
T : (+6221) 624 1822/1833 Menyediakan jasa untuk membuat dan/atau mengurus
F : (+6221) 624 1730 akta-akta terkait pengikatan kredit dan jaminan serta
akta keputusan RUPS dan di luar RUPS.
Services Provided:
Providing services to prepare and/or administer deeds
related to credit and collateral binding as well as deeds of
resolutions of GMS and non-GMS documents.
Periode
Period of Assignment: 2023
Notaris Rekanan
Partner Notary
Satria Amiputra Amimakmur, SH
Menara Kuningan, Jl. HR Rasuna Said Block X-7 Jasa yang Diberikan:
Kav 5, RT 6 RW 7, Kuningan, Karet Kuningan, Menyediakan jasa untuk membuat dan/atau mengurus
Kecamatan Setiabudi, Kota Jakarta Selatan, akta-akta terkait pengikatan kredit dan jaminan.
Daerah Khusus Ibukota Jakarta, 12940
T : (+6221) 4585 0814 Services Provided:
P : +62821 1476 8872 Providing services to prepare and/or administer deeds
related to credit and collateral binding .
Periode
Period of Assignment: 2023
Notaris Rekanan
Partner Notary
Evy Ferdiana, SH
Ruko Roxy Blok A-19, Jl. MH Thamrin Lippo, Jasa yang Diberikan:
Cikarang, Bekasi Menyediakan jasa untuk membuat dan/atau mengurus
T : (+6221) 7157 4338/890 9120 akta-akta terkait pengikatan kredit dan jaminan.
P : +62811 9952 3842
Services Provided:
Providing services to prepare and/or administer deeds
related to credit and collateral binding
Periode
Period of Assignment: 2023
Notaris Rekanan
Partner Notary
James Sinaga, SH, MKn
Jl. Pahlawan Seribu, Ruko BSD Sektor VII, Blok Jasa yang Diberikan:
RP, No. 87, Kota Tangerang Selatan, 15345 Menyediakan jasa untuk membuat dan/atau mengurus
T : (+6221) 537 4108/5316 3605 akta-akta terkait pengikatan kredit dan jaminan.
P : +6281 1166 3116 / +6285 6916 27576
Services Provided:
Providing services to prepare and/or administer deeds
related to credit and collateral binding
Periode
Period of Assignment: 2023
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Notaris Rekanan
Partner Notary
Hanny Siti Tanara Marah Djani, SH
Jl. Kertabumi No. 79 Karawang Jasa yang Diberikan:
T : (+62267) 403979 Menyediakan jasa untuk membuat dan/atau mengurus
P : +62812 1414 1925 akta-akta terkait pengikatan kredit dan jaminan.
Services Provided:
Providing services to prepare and/or administer deeds
related to credit and collateral binding
Periode
Period of Assignment: 2023
Konsultan Hukum
Legal Consultant
Ali Amir & Associate Law Firm
Gran Rubina Business Park Rasuna Epicentrum Jasa yang Diberikan:
Jl. HR Rasuna Said Jakarta Selatan, 12940 Memberikan jasa konsultan hukum pada bidang litigasi,
T : (+6221) 2954 3555 yaitu perkara perdata, perkara Penundaan Kewajiban
Pembayaran Utang (PKPU), dan/atau pailit.
Services Provided:
Providing legal consulting services in the field of litigation,
namely civil cases, postponement of debt payment
obligations (PKPU) cases, and/or bankruptcy.
Periode
Period of Assignment: 2023
Konsultan Hukum
Legal Consultant
Dentons HPRP
Hanafiah Ponggawa & Partners
Wisma 46 – Kota BNI, 41st Floor Jl. Jend. Jasa yang Diberikan:
Sudirman Kav. 1 Jakarta, 10220 Memberikan jasa konsultan hukum pada bidang litigasi,
T : (+6221) 570 1837 yaitu perkara pidana dan opini hukum.
F : (+6221) 570 1835
Services Provided:
Providing legal consulting services in the field of litigation,
namely criminal cases and legal opinions.
Periode
Period of Assignment: 2023
Wali Amanat
Trustee
PT Bank Rakyat Indonesia (Persero) Tbk
Gedung BRI II Jasa yang Diberikan:
Jl. Jend. Sudirman Kav. 44-46 Jakarta, 10210 Menyediakan jasa perwakilan pemegang obligasi.
T : (+6221) 250 0124
F : (+6221) 575 2360 Services Provided:
Provide bondholder representation services.
Periode
Period of Assignment: 2023
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Perusahaan Pemeringkat Efek
Securities Rating Company
PT Fitch Ratings Indonesia
DBS Bank Tower, 24th Floor, Suite 2403 Jl. Prof. Jasa yang Diberikan:
Dr. Satrio Kav. 3-5 Melaksanakan pemeringkatan obligasi.
Jakarta, 12940
T : (+6221) 2988 6800 Services Provided:
F : (+6221) 2988 6822 Carrying out bonds rating
Periode
Period of Assignment: 2023
Informasi Perdagangan dan Pencatatan Saham
Information on Shares Trading and Listing
Indonesia Stock Exchange
Indonesia Stock Exchange Building Tower 1 Jl. Jasa yang Diberikan:
Jend. Sudirman Kav. 52-53 Menyediakan jasa administrasi kepemilikan obligasi.
Jakarta, 12190
T : (+6221) 451 6002/6003/6004 Services Provided:
Provide bond ownership administration services.
Periode
Period of Assignment: 2023
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Informasi pada Situs Web Perusahaan
Information on The Company Website
Situs web Bank Hana (www.hanabank.co.id) telah Hana Bank’s website (www.hanabank.co.id)
memuat informasi yang terkini dan relevan, serta contains up-to-date and relevant information and
telah disesuaikan dengan Peraturan Otoritas Jasa is in compliance with Financial Services Authority
Keuangan No. 8/POJK.04/2015 tentang situs web Regulation No. 8/POJK.04/2015 concerning
perusahaan yang tercatat di Bursa Efek Indonesia. websites of companies listed on the Indonesia
Stock Exchange.
Individu Consumer
Rp
TABUNGAN & DEPOSITO WEALTH MANAGEMENT
SAVING & DEPOSIT WEALTH MANAGEMENT
Tabungan Saving Bancassurance Bancassurance
Tarif, Biaya & Limit Rates, Fees & Limits Reksa Dana Mutual Fund
Giro Current Account Obligasi Bond
Deposito Berjangka Time Deposit Hana AIdvisor Hana AIdvisor
Suku Bunga Interest Rate Market Insight Market Insight
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Individu Consumer
PRODUK PINJAMAN PRIORITY BANKING
LOAN PRODUCT Rp PRIORITY BANKING
Kredit Pemilikan Mortgage Tentang Priority About Priority Banking
Rumah (KPR) Banking
E BANKING
E BANKING
Internet Banking Internet Banking
Mobile Banking Mobile Banking
ATM ATM
Kartu Debit Debit Card
Korporasi Business
PRODUK & FITUR PELELANGAN ASET
PRODUCTS & FEATURES ASSET AUCTION
Pembiayaan Financing Aset Yang Diambil Alih Aquired Asset (AYDA)
(AYDA)
Trade Services Trade Services
Pelelangan Auction
Layanan Treasury & Treasury & Remittance
Remittance Services
Corporate Banking Corporate Banking WEALTH MANAGEMENT
System System Wealth Management
E-AR Financing E-AR Financing Reksa Dana Mutual Fund
Trust & Custody Trust & Custody Obligasi bond
Rekening Simpanan Daily Savings Account
Harian
Kredit Modal Kerja Capital Loan
(KMK)
Tarif, Biaya & Limit Rates, Fees & Limits
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Tentang Bank Hana About Hana Bank
BANK HANA TATA KELOLA PERUSAHAAN
HANA BANK CORPORATE GOVERNANCE
Profil Perusahaan Company Profile Penerapan Tata Kelola Governance & Charter
& Piagam Implementation
Manajemen Management
Tips Keamanan Safety Tips
Komposisi Pemegang Shareholder
Saham Composition Whistleblowing Whistleblowing
Stuktur Organisasi Organization Structure Pernyataan Komitmen Anti-Corruption
Anti Korupsi Commitment
Penghargaan Awards Statement
Hana Financial Group Hana Financial Group
CEO Message CEO Message
HUBUNGAN INVESTOR KARIR
INVESTOR RELATIONS CAREER
Peringkat Kredit Credit Rating Kerja di Bank Hana Work at Hana Bank
Aksi Korporasi Corporate Actions Life at Hana Bank Life at Hana Bank
Laporan Reports Peluang Karir Career Opportunities
HUBUNGI KAMI BERITA & PROMOSI
CONTACT US NEWS & PROMOTIONS
Hubungi Kami Contact Us Berita News
Layanan Pengaduan Customer Complaint
Nasabah Service Promosi Promotion
Syarat dan Ketentuan Terms and Conditions
E-Brochure E-Brochure
Layanan Live Chat via of Live Chat Service via
WhatsApp Call Hana WhatsApp Call Hana Hana Lounge Hana Lounge
FAQ FAQ
APU-PPT APU-PPT
Line Bank Line Bank Mandatory Mandatory
LINE BANK MANDATORY
LINE BANK MANDATORY
LINE Bank LINE Bank Peta Situs Site Map
Form Form
Syarat & Ketentuan Terms & Conditions
SBDK SBDK
Layanan Pengaduan Customer Complaint
Nasabah Service
Syarat dan Ketentuan Terms and Conditions
Layanan Live Chat via of Live Chat Service via
WhatsApp Call Hana WhatsApp Call Hana
FAQ FAQ
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Alamat Jaringan Kantor
Office Network Address Head Office
Kantor Pusat
Head Office
Mangkuluhur City Tower One
Jl. Jenderal Gatot Subroto Kav. 1-3
Kel. Karet Semanggi, Kec. Setiabudi
Jakarta Selatan, 12930
T : (+6221) 5081 1111
F : (+6221) 5081 1123
Kantor Cabang (KC) dan Kantor Cabang Pembantu (KCP)
Branch Offices (KC) and Sub-Branch Offices (KCP)
KC Mangkuluhur KCP Korea Center KCP Pondok Indah
Gadung Mangkuluhur City Tower One Jl. Jenderal Gatot Subroto Kav. 58 Ruko Pondok Indah Plaza 2 Blok BA
Ground Floor Jakarta Selatan, 12950 Kav. II No. 24, Jakarta Selatan
Jl. Jenderal Gatot Subroto T : (+6221) 2902 3424 T : (+6221) 766 7342
Kav. 1-3 Jakarta Selatan, 12930 F : (+6221) 2903 3415 F : (+6221) 769 4605
T : (+6221) 5081 1111
F : (+6221) 5081 1123
KCP Wisma Mulia KCP Wolter Monginsidi KCP Harco Mangga Dua
Gedung Wisma Mulia, Ground Floor & Jl. Wolter Monginsidi No. 88C Blok Ruko Harco Agung Sedayu
Mezzanine Floor Q/IV Jl. Mangga Dua Raya Blok C No. 9
Jl. Jenderal Gatot Subroto No. 42 Kebayoran, Jakarta Selatan, 12170 Mangga Dua, Jakarta Pusat
Jakarta, 12710 T : (+6221) 722 0151 T : (+6221) 612 2161
T : (+6221) 522 0222/23 F : (+6221) 723 4332 F : (+6221) 612 2160
F : (+6221) 5292 0320
KCP Thamrin Residence KCP Central Park KCP Pasar Pagi
Thamrin Residence Office Park Blok RC Ruko Garden Shopping Arcade Jl. Pasar Pagi No. 24,
No. 02, Kel. Kebon Melati, Kec. Tanah No. B.08.DJ Podomoro City Central Jakarta Barat, 11230
Abang, Jakarta Pusat Park Grogol, Petamburan,Jakarta T : (+6221) 260 0313/0455
T : (+6221) 310 9003 Barat, 11470 F : (+6221) 260 0335
F : (+6221) 310 0630 T : (+6221) 2933 7200
F : (+6221) 2933 7201
KCP Puri Indah KCP Danau Sunter KCP Kelapa Gading Barat
Ruko Puri Niaga III Jl. Agung Utara Raya Blok A 36A Jl. Boulevard Barat Blok LC6 No. 30-32
Jl. Puri Kencana Blok M 8.3 R Kav. No. 1, Sunter Agung Kelapa Gading, Jakarta Utara
Kembangan Jakarta Barat Jakarta Utara, 14350 T : (+6221) 4584 8770
T : (+6221) 5835 8633 T : (+6221) 6530 4281/4189 F : (+6221) 4584 8771
F : (+6221) 5835 8634 F : (+6221) 2946 1158
KCP Muara Karang KCP Pantai Indah Kapuk KCP Pluit Kencana
Jl. Muara Karang Raya No. 63 Blok A8 Metro Boardway The Gallery Blok 8 Jl. Pluit Kencana Raya No. 79 D
Kav. No. 15 Muara Karang, Jakarta Utara No. DT, Jl. Pantai Indah Utara 2, Kel. Pluit, Kec. Penjaringan,
T : (+6221) 660 3178 Kel. Kapuk Muara, Kec. Jakarta Utara, 14450
F : (+6221) 667 9939 Penjaringan, Jakarta Utara, 14350 T : (+6221) 6667 0891/93/94
T : (+6221) 2251 0611/12 F : (+6221) 6667 0892
F : (+6221) 2251 0615
KC Bogor Padjadjaran KCP Bintaro KCP Gading Serpong
Ruko Amaris 2 Pakuan No. 2 Ruko Kebayoran Arcade 1 Blok C3 Financial Centre Summarecon
Jl. Ruko Amaris Pakuan Baranangsiang No. 60-61 Bintaro Jaya Serpong, Jl. Boulevard Gading Raya
Kota Bogor Timur, Bogor T : (+6221) 2221 4223/4042/4318 Blok BA 2 No. 07, Tangerang
T : (+62251) 756 1030 F : (+6221) 2221 4991 T : (+6221) 5421 5610
F : (+62251) 756 1011 F : (+6221) 5421 5611
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KCP Karawaci Amartapura KCP Karawaci Pinangsia KCP Synergy Alam Sutera
Apartemen Amartapura Tower B Ruko Karawaci Office Park Blok Synergi Building Lantai Dasar
No. B. 01 G B No. 5 Penunggangan Barat No. II LD S. 01
Jl. Sutan Syahrir No. 50 Lippo Karawaci Cibodas, Tangerang Jl. Jalur Sutera Barat No. 17 Alam
Tangerang, 15811 T : (+6221) 5577 0357, 5573 0032 Sutera, Kel. Penunggangan Timur,
T : (+6221) 2942 7733 F : (+6221) 5573 0031 Kec. Pinang, Tangerang
F : (+6221) 2942 7735 T : (+6221) 2985 3821/25
F : (+6221) 2985 3830
KCP Bekasi Ahmad Yani KCP Lippo Cikarang KC Bandung Dago
Komplek Sentraniaga Kalimalang Thamrin Square Kav. A2-B11Lippo Jl. Ir. H. Juanda No. 54 RT 02/RW 04
A.7 No. 3 Cikarang, Jawa Barat Kel. Citarum, Kec. Bandung Wetan,
Jl. Ahmad Yani, Bekasi T : (+6221) 8990 5610/11/12 Cibeunying, Bandung, 40115
T : (+6221) 8896 2272 F : (+6221) 897 3184 T : (+6222) 2054 7556
F : (+6221) 8895 2375 F : (+6222) 2054 7811
KCP Cilegon Posco KC Cirebon KC Subang
Kawasan Industri Krakatau Jl. Afrika Jl. RA Kartini No. 53, Kel. Kejaksan, Jl. Otto Iskandardinata No.242,
No. 2, Cilegon, 42443 Kec. Kejaksan Cirebon, 45123 Karanganyar, Subang, Jawa Barat 41211
T : (+6254) 369 750/51 T : (+62231) 882 0661 Karanganyar,Kec. Subang, Kab. Subang
F : (+6254) 369 752 Jawa Barat
T : (+6260) 742 6012
F : (+6260) 742 6013
KC Subang KC Subang KC Semarang
Jl. Otto Iskandardinata No.242, Jl. Otto Iskandardinata No.242, Jl. Pandanaran No. 60, Semarang
Karanganyar, Subang, Jawa Barat 41211 Karanganyar, Subang, Jawa Barat T : (+6224) 8645 5585
Karanganyar,Kec. Subang, Kab. Subang 41211 Karanganyar,Kec. Subang, F : (+6224) 8645 5584
Jawa Barat Kab. Subang Jawa Barat
T : (+6260) 742 6012 T : (+6260) 742 6012
F : (+6260) 742 6013 F : (+6260) 742 6013
KC Solo KCP Mayong Jepara KC Surabaya Manyar
Jl. Slamet Riyadi No. 259, Kel. Jl. Raya Jepara-Kudus KM 20 No.11, Jl. Raya Kertajaya Indah No.9, Manyar
Penumping, Kec. Laweyan, Surakarta Sengon Bugel, Mayong Jepara, Sabrangan, Kec. Mulyorejo, Surabaya,
T : (+62271) 293 1225 59465 Jawa Timur 60116
F : (+62271) 293 1390 T : (+62291) 753 0308 T : (+6231) 9920 2700
F : (+62291) 752 0303 F : (+6231) 9920 2707
KCP Surabaya Darmo Permai KC Lampung KC Palembang
Jl. Raya Darmo Permai II/56 Kav. 8, Jl. Raden Intan No. 140, Kel. Pelita/ Jl. Kolonel Atmo No. 578-579 Kel. 17 Ilir,
Surabaya Enggal, Kec. Tanjung Karang Kec. Ilir Timur 1, Palembang
T : (+6231) 732 5106/07/08 Barat, Bandar Lampung T : (+62711) 563 0156/57/58
F : (+6231) 732 5104 T : (+62721) 560 0222 F : (+62711) 563 0289
F : (+62721) 560 0111
KC Makassar KC Bali Mobil Kas Keliling
Jl. Boulevard No. 1D Masale, Jl. Raya Teuku Umar No. 169 Jl. Otto Iskandardinata No. 82C,
Panakkukang, Makassar Denpasar Karanganyar, Subang, Jawa Barat, 41211
T : (+62411) 409 1010 T : (+62361) 474 7466
F : (+62411) 409 1011
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Pada tahun 2023, Bank Hana mencatat pendapatan bunga sebesar Rp3,04 triliun, lebih tinggi 21,43% dibandingkan tahun 2022. In 2023, Hana Bank recorded interest income of Rp3.04 trillion, 21.43% higher than in 2022.
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Tinjauan Ekonomi
Economic Review
Perekonomian Indonesia tumbuh 5,05%,
sedikit melambat dibandingkan tahun
2022 yang 5,31%.
Indonesia’s economy grew 5.05%, slightly slower
compared to 2022 which was 5.31%.
Perekonomian Global Global Economy
Kondisi perekonomian global pada tahun 2023 Global economic circumstances in 2023 remain
masih bergerak dinamis, bahkan tumbuh tidak volatile, with growth unevenly distributed across
merata antarnegara. Kondisi ini membuat countries. This, combined with global geopolitical
pemulihan ekonomi pascapandemi maupun conflicts, means that post-pandemic economic
akibat ketegangan geopolitk global cenderung recovery is typically delayed.
lambat.
Dalam situasi seperti itu, laporan “World Economic In such a scenario, the International Monetary
Outlook” edisi Oktober 2023 yang dikeluarkan Dana Fund’s (IMF) October 2023 edition of the “World
Moneter Internasional (International Monetary Economic Outlook” report predicts global
Fund/IMF) memperkirakan, pertumbuhan ekonomi economic growth of 3.0% through the end of 2023,
global hingga akhir tahun 2023 hanya 3,0%, lebih down from 3.5% in 2022. Even in 2024, it is expected
rendah dari pencapaian tahun 2022 yang sebesar to be only 2.9%.
3,5%. Bahkan untuk tahun 2024 diperkirakan hanya
2,9%.
Tekanan perekonomian tidak hanya terjadi Economic pressure is not limited to developed
pada negara-negara maju yang pertumbuhan countries, where economic growth is expected
ekonominya pada tahun 2023 diperkirakan hanya to slow to 1.5% in 2023, down from 2.6% in 2022.
1,5%, dari 2,6% pada tahun 2022. Sedangkan negara- Meanwhile, the prediction for developing and
negara berkembang dan emerging, proyeksinya emerging countries is 4.1% in 2022 and 4.0% in
dari 4,1% di tahun 2022 menjadi 4,0% pada 2023 2023, owing to China’s property crisis.
akibat krisis properti di China.
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Kendati IMF memperkirakan inflasi global mulai Even while the IMF predicts that global inflation will
turun, namun masih cenderung tinggi. Pada begin to reduce, it is still expected to remain high. It
2023, diperkirakan sebesar 6,9%, dari 8,7% di is anticipated to fall to 6.9% in 2023, down from 8.7%
tahun sebelumnya. Sementara pada tahun 2024 the year before. Meanwhile, in 2024, it is expected
diproyeksikan sekitar 5,8% . to be approximately 5.8%.
Dinamika perekonomian global yang terjadi pada In response to the global economy’s dynamics in
tahun 2023, khususnya dalam rangka menahan 2023, particularly in order to manage inflation, the
inflasi yang masih tinggi, Bank Sentral Amerika Federal Reserve (The Fed) raised the benchmark
Serikat, yakni The Federal Reserve (The Fed) interest rate to 5.50% from 4.50% before. Bank
merespons dengan menaikkan suku bunga acuan Indonesia responded to the Fed’s strategy by
hingga menjadi 5,50% dari sebelumnya hanya raising its 7-day (Reverse) Repo Rate from 5.75% to
4,50%. Bank Indonesia ikut merespons kebijakan 6.00%.
The Fed dengan menaikkan BI 7-day (Reverse)
Repo Rate, dari 5,75% menjadi 6,00%.
Perekonomian Indonesia Indonesian Economy
Perekonomian Indonesia pada tahun 2023 According to the Central Statistics Agency (BPS),
menurut Badan Pusat Statistik (BPS), tumbuh the Indonesian economy in 2023 grew by 5.05%,
5,05%, sedikit melambat dibandingkan tahun 2022 slightly slower than in 2022 which was 5.31%.
yang sebesar 5,31%. Hal ini menunjukkan bahwa This shows that the national economy has very
perekonomian nasional memiliki daya tahan yang good resilience, even though there are dynamic
sangat baik, walaupun ada tantangan dinamika challenges in the global economy.
pada perekonomian global.
Kondisi inflasi juga cukup rendah, yaitu 2,61%, lebih Inflation conditions are also quite low, namely
kecil dari tahun 2022 yang sebesar 5,51%. Bahkan 2.61%, smaller than in 2022 which was 5.51%. In fact,
realisasi tersebut berada di bawah target inflasi this realization is below the 2023 State Revenue and
Anggara Pendapatan dan Belanja Negara (APBN) Expenditure Budget (APBN) inflation target of 3.6%.
2023 yang 3,6%.
Dengan rendahnya inflasi, daya beli masyarakat With low inflation, people’s purchasing power
masih tumbuh positif. Pada tahun 2023, is still growing positively. In 2023, household
pengeluaran konsumsi rumah tangga yang consumption expenditure, which is the largest
merupakan komponen terbesar pembentuk component forming the Gross Domestic Product
Produk Domestik Bruto (PDB) dari sisi pengeluaran, (GDP), in terms of expenditure, namely 53.18%, grew
yakni 53,18%, tumbuh 4,82% dibandingkan tahun by 4.82% compared to 2022 (year on year/yoy).
2022 (year on year/yoy).
Komponen dari PDB berdasarkan pengeluaran The component of GDP based on expenditure with
yang tumbuh paling tinggi adalah konsumsi the highest growth was consumption by Non-
Lembaga Non-Profit yang Melayani Rumah Tangga Profit Institutions Serving Households (LNPRT), at
(LNPRT), yakni 9,83% (yoy). Namun kontribusinya 9.83% (yoy). However, its contribution to GDP is very
terhadap PDB sangat kecil, yakni 1,25%. small, namely 1.25%.
Selanjutnya, ekspor bersih dengan kontribusi 2,18%, Furthermore, net exports with a contribution of
tumbuh 17,76%. Untuk pengeluaran konsumsi 2.18%, grew 17.76%. Government consumption
pemerintah yang berkontribusi 7,45%, tumbuh expenditure, which contributed 7.45%, grew
2,95%. Sedangkan pembentukan modal tetap 2.95%. Meanwhile, gross fixed investments, with a
bruto dengan kontribusi 29,33%, tumbuh 4,40%. contribution of 29.33%, grew 4.40%.
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Laju Pertumbuhan Produk Domestik Bruto (PDB)
Gross Domestic Product (GDP) Growth Rate
Pertumbuhan
Tahun
Growth
Year
(%)
2023 5,05
2022 5,31
2021 3,79
2020 (2,07)
2019 5,02
Laju Pertumbuhan Produk Domestik Bruto (PDB)
Gross Domestic Product (GDP) Growth Rate
5,32%
5,02% 5,05%
3,70%
2019 2020 2021 2022 2023
(2,07%)
Kondisi Industri Perbankan Banking Industry Conditions
Sejalan dengan kondisi perekonomian Indonesia In line with Indonesia’s stable economic conditions,
yang stabil, kinerja perbankan pada tahun 2023 banking performance in 2023 has improved, as
juga semakin baik, seperti dintunjukan melalui shown by the Banking Statistics data released
data Statistik Perbankan yang dikeluarkan oleh by the Financial Services Authority (OJK). This is
Otoritas Jasa Keuangan (OJK). Hal itu, setidaknya evidenced by the annual loan distribution growth
ditunjukkan melalui penyaluran kredit yang of 10.38% (year on year/yoy), in accordance with
tumbuh 10,38% secara tahunan (year on year/yoy), Banking Statistics data released by the Financial
menurut data Statistik Perbankan yang dikeluarkan Services Authority (OJK).
oleh Otoritas Jasa Keuangan (OJK).
Ekspansi penyaluran dana yang dilakukan oleh The expansion of fund distribution by banks
perbankan tersebut selaras dengan kinerja corresponds to the positive growth of the business
sektor usaha yang tumbuh positif. Menurut data sector. According to BPS data, the highest growth
BPS, pertumbuhan tertinggi terjadi pada sektor occurred in the transportation and storage sector,
transportasi dan pergudangan, yaitu mencapai which reached 13.96%. This was followed by the
13,96%. Berikutnya, disusul oleh sektor penyediaan accommodation and food supply sector, which
akomodasi dan makan minum yang tumbuh grew by 10.01%, and the corporate services sector,
10,01% dan sektor jasa perusahaan, tumbuh 8,24%. which grew by 8.24%. Meanwhile, the financial
Sementara untuk sektor jasa keuangan dan services and insurance sector grew by 4.77%%.
asuransi, tumbuhnya sebesar 4,77%%.
Dari sisi aset, OJK mencatat aset bank umum In terms of assets, OJK recorded an increase of
mengalami kenaikan 5,87%, dari Rp11.113,32 triliun 5.87%, from Rp 11,113.32 trillion in 2022 to Rp Rp11,766
di tahun 2022 menjadi Rp11.766 triliun pada tahun trillion in 2023.
2023.
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Tabel Kinerja Industri Perbankan
Table of Banking Industry Performance
(dalam miliar rupiah) | (in billion rupiah)
Indikator 2023 2022 2021 2020 2019 Indicator
Aset 11.765.838 11.113.321 10.112.304 9.177.894 8.562.974 Asset
Kredit 7.186.935 6.497.620 5.820.636 5.481.560 5.616.992 Loan
Dana Pihak Ketiga 8.457.929 8.153.590 7.479.463 6.665.390 5.998.648 Third Party Fund
Laba Bersih 243.326 201.817 140.206 104.718 156.487 Net Income
LDR (%) 83,83 78,78 77,13 82,54 94,43 LDR (%)
NIM (%) 4,81 4,71 4,51 4,45 4,91 NIM (%)
ROA (%) 2,74 2,43 1,84 1,59 2,47 ROA (%)
BOPO (%) 78,92 78,65 83,58 86,58 79,39 BOPO (%)
CAR (%) 27,65 25,66 25,67 23,89 23,40 CAR (%)
Posisi Bank Hana di Industri Perbankan Hana Bank’s Position in the Banking
Industry
Perbandingan kinerja Bank Hana dengan rata-rata A comparison of Hana Bank’s performance with the
industri perbankan diuraikan sebagai berikut: banking industry average is described as follows:
Kinerja Bank Hana, Rata-rata Pertumbuhan Industri Perbankan, dan Rata-rata Pertumbuhan Bank KBMI 2
Performance of Hana Bank, Banking Industry Average Growth, and KBMI 2 Bank Average Growth
(dalam miliar rupiah) | (in billion rupiah)
2023 2022
Kinerja Industri Industri
Performance Bank Hana Perbankan Bank Hana Perbankan
KBMI 2 KBMI 2
Hana Bank Banking Hana Bank Banking
Industry Industry
Aset 46.884 11.765.838 1.558.863 46.699 11.113.321 1.352.427
Asset
Kredit 34.324 7.186.935 864.422 32.650 6.497.620 720.129
Loan
DPK 26.229 8.457.929 989.283 26.893 8.153.590 888.107
Third Party
Fund
Kinerja Pertumbuhan Bank Hana Dibandingkan Rata-rata Industri Perbankan
Hana Bank’s Growth Performance Compared to Banking Industry Average
(%)
10,38%
5,87%
5,1%
3,73%
0,4%
Bank Hana
Hana Bank
Industri Perbankan
Banking Industry
(2,5%)
Aset Kredit DPK
Asset Loan TPF
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Rasio Keuangan Bank Hana, Rata-rata Industri Perbankan, dan Rata-rata Bank KBMI 2
Financial Ratios of Hana Bank, Banking Industry Average, and KBMI 2 Banks Average
(dalam %) | (in %)
2023 2022
Kinerja Industri Industri
Performance Bank Hana Perbankan Bank Hana Perbankan
KBMI 2 KBMI 2
Hana Bank Banking Hana Bank Banking
Industry Industry
LDR 128,27 83,83 84,38 120,66 78,78 79,24
NIM 4,33 4,81 4,31 4,60 4,71 4,18
ROA 1,34 2,74 1,60 1,35 2,43 1,72
BOPO 81,90 78,92 92,96 79,24 78,65 92,40
CAR 28,35 27,65 36,92 26,56 25,66 38,06
Perbandingan Rasio Bank Hana Dibandingkan Rata-rata Industri Perbankan
Hana Bank’s Ratio Compared to Banking Industry Average
(dalam %) | (in %)
Kinerja Bank Hana Industri Perbankan
Performance Hana Bank Banking Industry
LDR 128,27 83,83
NIM 4,33 4,81
ROA 1,34 2,74
BOPO 81,90 78,92
CAR 28,35 27,65
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Aspek Pemasaran
Marketing Aspects
Dalam rangka menghadapi tantangan ekonomi In order to meet increasingly tight economic
dan persaingan bisnis yang semakin ketat, serta challenges and business competition, as well as
tuntutan pasar yang terus berubah, Bank Hana changing market demands, Hana Bank continues
terus melakukan inovasi dan peningkatan layanan to innovate and improve services based on the
sesuai dengan target pasar. Bank berkomitmen target market. The Bank is strongly committed to
kuat untuk terus meningkatkan layanan untuk continuing to improve services in order to enhance
meningkatkan customer experience. the customer experience.
Strategi Pemasaran Marketing Strategy
Sepanjang tahun 2023, strategi pemasaran yang In 2023, the marketing strategy that Hana Bank
telah dijalankan Bank Hana sebagai berikut: implemented is as follows:
1. Melakukan pendekatan kepada nasabah 1. Approach customers in a personal and
dengan cara personal dan customized kepada customized manner for each segment, as each
setiap segmen, di mana setiap segmen segment has unique needs and characteristics,
memiliki kebutuhan dan karakter masing- requiring the marketing approach to be tailored
masing sehingga pendekatan marketing harus to their needs.
menyesuaikan kebutuhan mereka.
2. Mempertahankan posisi dominan di captive 2. Maintain a dominant position in the captive
market, terutama di antara para pebisnis dari market, particularly among businesspeople
Korea; from Korea;
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3. Digital banking: Bank Hana tetap 3. Digital banking: Hana Bank continues to
mengoptimalkan semua jaringan yang ada optimize all existing networks for product
dalam memasarkan produk serta memberikan marketing and customer service, including
layanan kepada nasabah, termasuk kantor branch offices, ATMs, CDM/CRM, as well as
cabang, ATM, CDM/CRM, maupun jaringan digital networks such as My Hana mobile
digital seperti MyHana Mobile Banking, banking, Internet Banking, CBS, and also the
maupun Internet Banking dan CBS dan digital banking application service LINE Bank
juga layanan aplikasi perbankan digital LINE by Hana Bank. Updating the bank’s digital
Bank by Hana Bank. Pemutakhiran layanan banking services to meet customer needs. The
digital banking milik bank sesuai dengan Bank is striving to continue to innovate in terms
kebutuhan nasabah. Upaya ini dilakukan of product innovation, services, and business
Bank agar terus berinovasi baik dalam hal processes, allowing for additional benefits such
inovasi produk, layanan maupun proses bisnis as easy access to accurate services, expanding
sehingga akan memberikan keuntungan the Bank’s reach to customers, and improving
dari sisi kemudahan akses ketepatan layanan, service quality and customer experience.
hingga memperluas jangkauan Bank terhadap Winning the Indonesia Best Digital Finance
nasabah, dan meningkatkan kualitas layanan 2023 and Digital Financial Award 2023 awards
serta meningkatkan customer experience. demonstrates the effectiveness of digital
Pengoptimalan layanan digital banking banking service optimization.
dibuktikan dengan diraihnya penghargaan
Indonesia Best Digital Finance 2023 dan Digital
Financial Award 2023
4. Meningkatkan kerja sama dengan mitra Bank 4. Expanding partnerships with bank partners or
atau pihak ketiga (fintech, PJSP, e-commerce, third parties (fintech, PJSP, e-commerce, retail
retail merchant, dan lembaga keuangan merchants, and other financial institutions) to
lainnya) dalam memenuhi kebutuhan finansial meet customers’ financial needs; and support
nasabah dan mendukung; dan mendukung the Bank’s strategy;
strategi Bank;
5. Promosi yang efektif melalui media sosial 5. Effective promotion via trusted social media,
yang terpercaya, kerja sama strategis untuk strategic collaboration for banking service
sinergi layanan perbankan guna menunjang synergy to support services with added value
layanan dengan nilai tambah bagi nasabah for customers, as well as encouraging long-term
serta mendorong perluasan bisnis yang business expansion and Brand Ambassadorship
berkelanjutan dan Brand Ambassador yang to reach out to larger communities.
dapat menjangkau masyarakat luas.
6. Mengintensifkan berbagai kegiatan/brand 6. Intensify various activities/brand activation
activation secara hybrid baik online maupun in a hybrid format, both online and offline.
offline. Kegiatan ini dilakukan menggunakan This activity takes a segmentation approach,
segmentation approach dengan menyediakan offering banking products and services based
produk dan layanan perbankan sesuai dengan on customer needs, with a focus on the young
kebutuhan nasabah, dengan berfokus pada generation, emerging business, and corporate
segmen generasi anak muda, emerging banking segments.
business, serta perbankan korporasi
Strategi Pengembangan Bisnis dan Business and Product Development
Produk Strategy
Sementara itu, fokus strategi pengembangan Meanwhile, the focus of Hana Bank’s business and
bisnis dan produk Bank Hana pada tahun 2023 product development strategy in 2023 is outlined
diuraikan sebagai berikut: below:
1. Meneruskan pengembangan berbagai layanan 1. Continuing the development of various digital
digital banking, antara lain pembukaan banking services, including account opening,
rekening, produk simpanan, produk pinjaman, deposit products, loan products, VISA debit cards
kartu debit VISA dengan fitur contactless dan with contactless features and bill payments,
pembayaran tagihan, Top Up E-Wallet, serta E-Wallet Top Up, and other transactions through
transaksi lainnya melalui teknologi QRIS dan QRIS and Payment Gateway technology so that
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Payment Gateway sehingga semua pemilik all savings account holders with GPN and Visa
rekening tabungan dengan kartu GPN dan Visa cards can shop online and in eCommerce.
dapat berbelanja online dan di eCommerce.
2. Mengimplementasikan tahapan berikutnya 2. Implement the next stages of digital banking
dari layanan digital banking, meliputi pinjaman services, including cash loans and standby loans,
dana tunai dan pinjaman dana siaga, serta as well as the biometric verification process in
implementasi proses verifikasi biometric dalam the E-KYC process.
proses E-KYC;
3. Mengembangkan dan memperkuat lini bisnis 3. Develop and strengthen business lines that
yang menghasilkan fee based income yang generate fee-based income from existing
berasal dari bisnis yang sudah berjalan, seperti businesses, such as money transfer services,
jasa pengiriman uang, transaksi ekspor- export-import transactions, as well as
impor, maupun komisi dari bisnis baru dalam commissions from new businesses in the sale of
penjualan produk bancassurance dan reksa bancassurance and mutual fund products;
dana;
4. Mengukuhkan konsep one-stop banking service 4. Enhancing the concept of a one-stop banking
untuk menciptakan customer experience yang service to provide a convenient and quick
praktis dan cepat; customer experience;
5. Membangun kerja sama dengan berbagai 5. Developing partnerships with various financial
institusi keuangan atau fintech dalam institutions or fintech to meet customers’
memenuhi kebutuhan finansial nasabah; financial needs;
6. Merealisasikan strategi promosi yang efektif 6. Implementing effective promotional strategies
melalui media sosial besar atau komunitas using large or trusted community social media
terpercaya untuk menjangkau masyarakat platforms to reach a larger community;
yang lebih luas;
7. Meningkatkan pelayanan dan tingkat kepuasan 7. Enhance customer service and satisfaction
nasabah melalui berbagai inovasi dan inisiatif levels through various innovations and
dalam lini bisnis Wealth Management dengan initiatives in the Wealth Management business
pengembangan produk-produk atau program- line by developing new products or programs,
program baru, serta bekerja sama dengan as well as collaborating with service providers
penyedia layanan dan mengembangkan and developing products that have added
produk yang memiliki nilai tambah dan/atau value and/or provide more value for customers
memberikan nilai lebih untuk nasabah serta and banks, including through electronic and/or
Bank, termasuk melalui kanal elektronik dan/ digital banking channels; and
atau digital banking; serta
8. Reshuffling portofolio kredit (re-balancing SME). 8. Rebalancing the credit portfolio for small and
medium-sized enterprises.
Strategi Pengembangan Tahun 2024 Development Strategy for 2024
Strategi pemasaran Bank Hana pada tahun 2024, Hana Bank’s marketing strategy for 2024 includes:
meliputi:
1. Mempertahankan posisi dominan di captive 1. Maintain a dominant position in the captive
market, terutama di antara para pebisnis dari market, particularly among businesspeople
Korea; from Korea;
2. Mengaktifkan perluasan pemanfaatan QRIS 2. Enable the expansion of QRIS utilization
melalui pengembangan bisnis Acquiring QRIS through the development of Hana Bank’s
Hana Bank dan akses semua pemilik rekening QRIS Acquiring business and access of all Hana
Hana Bank dan Line Bank untuk berbelanja Bank and Line Bank account holders for online
online & eCommerce. shopping & eCommerce.
3. Meningkatkan kenyamanan dan aksesibilitas 3. Increasing customer comfort and accessibility
nasabah terhadap layanan digital banking to digital banking services by improving the
melalui peningkatan proses eKYC, implementasi eKYC process, implementing competitive loan
Produk Pinjaman yang bersaing, serta promosi products, and promoting transactions with
bertransaksi dengan myHana dan LINE Bank, myHana and LINE Bank, including Hana Debit
termasuk Hana Debit Card & LINE Bank Debit Card and LINE Bank Debit Card.
Card; dan
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4. Bekerja sama langsung dengan mitra strategis 4. Collaborate directly with bank strategic partners
Bank atau pihak ketiga (fintech, PJSP, or third parties (fintech, PJSP, e-commerce, retail
e-commerce, retail merchant, dan lembaga merchants, and other financial institutions)
keuangan lainnya) untuk aktivitas sistem on payment and transaction system activities
pembayaran dan transaksi yang mendukung that promote the adoption of digital banking
penetrasi layanan digital banking. services.
Strategi Pengembangan Bisnis dan Business and Product Development
Produk 2024 Strategy for 2024
Ke depan, akan banyak tantangan dan juga In the future, the Bank will face numerous
peluang yang menjanjikan bagi pertumbuhan challenges as well as promising opportunities for
Bank. Untuk itu, Bank Hana akan terus growth. For this reason, Hana Bank will continue to
berinovasi untuk menghadirkan pelayanan innovate in order to provide the best service to its
terbaik bagi nasabah. Secara Marketing, Brand, customers. Hana Bank has developed marketing,
Communication, and Customer Experience, Bank brand, communication, and customer experience
Hana telah menetapkan strategi dan rencana yang strategies and plans that will be implemented in
akan dilakukan di 2024, antara lain: 2024, which include:
1. Memberikan brand experience terbaik bagi 1. Deliver the best brand experience to customers
nasabah dan calon nasabah melalui kegiatan and potential customers through both offline
offline dan online. and online activities.
2. Memperkuat kelanjutan dari brand reputation 2. Strengthening the continuation of brand’s
sebagai bank digital yang peduli terhadap reputation as a digital bank that cares about the
kebutuhan dan memahami nasabah sehingga needs and understands customers so that the
keberadaan produk dan fitur LINE Bank #Jadi existence of LINE Bank products and features
Bermakna. #BecomeMeaningful.
3. Memberikan kemudahan melakukan kegiatan 3. Providing ease of banking activities and
perbankan dan kenyamanan bertransaksi convenience of transactions through the
melalui pengembangan perbankan digital. development of digital banking.
4. Meningkatkan efektivitas dari kanal dan 4. Use personalized content marketing to improve
komunikasi melalui personalized content channel and communication effectiveness.
marketing.
5. Memperkuat internal engagement dan 5. Use inside-out marketing to strengthen internal
membangun brand dari dalam melalui inside engagement and build the brand from within.
out marketing.
6. Fokus memperkuat kehadiran Bank Hana 6. Concentrate on strengthening Hana
melalui beragam program dan kegiatan Bank’s visibility through a variety of public
kehumasan. relations programs and activities.
Pangsa Pasar Market Share
Penentuan pangsa pasar Bank Hana dibandingkan The comparison of Hana Bank’s market share
dengan bank konvensional lainnya dapat dilihat to other conventional banks can be determined
berdasarkan total aset, jumlah dana pihak ketiga, by total assets, amount of third-party funds, and
dan jumlah kredit yang disalurkan. amount of loan disbursed.
Pangsa Pasar berdasarkan Aset Market Share based on Assets
Pada tahun 2023, total aset Bank Hana mencapai In 2023, Hana Bank’s total assets reached Rp46.88
Rp46,88 triliun, sementara total aset bank umum trillion, while commercial banks’ total assets
yang sebesar Rp11.765,84 triliun. Dengan demikian, amounted to Rp11,765.84 trillion. Therefore, the
pangsa pasar Bank dari sisi aset adalah 0,40%, lebih Bank’s market share in term of asset is 0.40%, which
rendah dibandingkan tahun 2022 yang 0,42%. is lower than the 0.42% recorded in 2022.
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Pangsa Pasar Aset Bank Hana Dibandingkan Bank Umum Nasional
Hana Bank’s Asset Market Share Compared to National Commercial Banks
0,40% 0,42%
99,60% 2023 2022 99,58%
Bank Hana • Hana Bank Industri Perbankan • Banking Industry
Pangsa Pasar berdasarkan Kredit yang Market share by loans disbursed
Disalurkan
Total kredit yang disalurkan Bank Hana pada tahun Bank Hana disbursed a total loan of Rp34.33 trillion
2023 adalah sebesar Rp34,33 triliun, sekitar 0,46% in 2023, accounting for approximately 0.46% of the
dari total yang disalurkan oleh bank umum, yakni total disbursed by commercial banks, which was
Rp7.186,94 triliun. Sementara pangsa pasar Bank Rp7,186.94 trillion. Meanwhile, the Bank’s market
pada tahun 2022 sekitar 0,49%. share in 2022 was approximately 0.49%.
Pangsa Pasar Aset Bank Hana Dibandingkan Bank Umum Nasional
Hana Bank’s Asset Market Share Compared to National Commercial Banks
0,46% 0,49%
99,54% 2023 2022 99,51%
Bank Hana • Hana Bank Industri Perbankan • Banking Industry
Pangsa Pasar berdasarkan Dana Pihak Ketiga Market Share based on Third-Party Funds
Pada tahun 2023, total Dana Pihak Ketiga (DPK) In 2023, Hana Bank’s total Third-Party Funds (TPF)
yang diakumulasi Bank Hana mencapai Rp26,23 reached Rp26.23 trillion, or 0.31% of the total TPF for
triliun atau 0,31% dari total DPK bank umum yang commercial banks, which was Rp8,457.93 trillion.
sebesar Rp8.457,93 triliun. Dengan demikian, Therefore, the Bank’s market share in terms of
pangsa pasar Bank dari sisi DPK adalah 0,02%, deposits was 0.02%, which was higher/lower than
lebih tinggi/rendah dibandingkan tahun 2022 yang the 0.33% recorded in 2022.
0,33%.
Pangsa Pasar Dana Pihak Ketiga Bank Hana Dibandingkan Bank Umum Nasional
Bank Hana’s Third-Party Fund Market Share Compared to National Commercial Banks
0,31% 0,33%
99,69% 2023 2022 99,51%
Bank Hana • Hana Bank Industri Perbankan • Banking Industry
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Tinjauan Operasional
Per Segmen Usaha
Operational Overview By Business Segment
Mengacu pada Anggaran Dasar PT Bank KEB According to the Articles of Association of PT Bank
Hana Indonesia (“Bank Hana” atau “Bank”) yang KEB Hana Indonesia (“Hana Bank” or “Bank”), as
tercantum dalam Akta No. 6 tanggal 12 Juli 2014, stated in Deed No. 6 dated July 12, 2014, the Bank’s
kegiatan usaha Bank dikelompokkan ke dalam 4 business activities are divided into four operating
(empat) segmen operasi: pembiayaan, pendanaan, segments: financing, funding, treasury, and services.
treasury, dan jasa.
Sedangkan produk dan jasa yang disediakan Meanwhile, Hana Bank offers 12 products and
oleh Bank Hana ada 12: simpanan, pinjaman, services, including savings, loans, bancassurance,
bancassurance, reksa dana, obligasi, fund manager, mutual funds, bonds, fund managers,
trust & custody, treasury, jasa trade service, kartu trust and custody, treasury, trade services,
debit, layanan e-channel, dan layanan lainnya. debit cards, e-channel services, and others.
SEGMEN SIMPANAN DEPOSIT SEGMENT
Segmen usaha simpanan merupakan kegiatan The deposit business segment is a business activity
usaha penghimpunan dana dari masyarakat that involves collecting funds from the public in the
dalam bentuk simpanan seperti giro (bilyet giro), form of deposits such as current accounts (bilyet
deposito berjangka, sertifikat deposito, rekening giro), time deposits, deposit certificates, savings
simpanan dan/atau bentuk-bentuk lain. Nasabah accounts, and/or other types. Customers served
yang dilayani, bak individu maupun lembaga include individuals, institutions, and corporations.
atau korporasi. Bank Hana menawarkan beragam Hana Bank offers a variety of deposit products
jenis produk simpanan sesuai dengan kebutuhan based on customer needs, including Hana Savings,
nasabah, yakni Hana Savings; Hana Future Savings; Hana Future Savings, Hana Giro, Time Deposit, and
Hana Giro; Deposito Berjangka; dan Hana Junior Hana Junior Savings.
Savings.
Selain itu, dari layanan aplikasi perbankan digital In addition, from the digital banking application
LINE Bank by Hana Bank juga memiliki produk service LINE Bank by Hana Bank also has LINE
LINE Bank Saving yang dilengkapi dengan pilihan Bank Saving products equipped with Debit Card
Debit Card termasuk LINE Bank Debit Card BT21 options including LINE Bank Debit Card BT21
Visa Contactless, dan LINE Bank Time Deposit. Visa Contactless, and LINE Bank Time Deposit.
Kinerja 2023 2023 Performance
Pada tahun buku 2023, total nilai simpanan, yang In the fiscal year 2023 the Bank’s deposit value
berhasil dibukukan Bank mencapai Rp26,23 triliun. reached Rp26.23 trillion in 2023. In comparison to
Dibandingkan tahun sebelumnya yang sebesar the previous year, which totaled Rp 26.89 trillion,
Rp26,89 triliun, terjadi penurunan 2,47%. there was an decrease of 2.47%.
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Kinerja Nilai Simpanan
Performance of Deposit Value
(dalam jutaan rupiah, kecuali dinyatakan lain)
(in million rupiah, unless stated otherwise)
Pertumbuhan
2023 2022
Uraian Growth
Description Jumlah Jumlah Jumlah
% % %
Total Total Total
Giro 8.083.209 30,82 10.429.627 38,78 (2.346.418) (22,50)
Current Accounts
Tabungan 1.429.677 5,45 1.448.305 5,39 (18.628) (1,29)
Savings
Deposito 16.716.207 63,73 15.014.611 55,83 1.701.596 11,33
Time Deposits
Total Simpanan 26.229.093 100 26.892.543 100 (663.450) (2,47)
Total Deposit
Giro Current Account
Rekening giro adalah produk simpanan A current account is a product that allows individuals
perorangan atau badan usaha dalam mata uang or businesses to deposit money in rupiah or foreign
rupiah ataupun mata uang asing. Produk giro yang currency. The Bank’s current account product
ditawarkan Bank, yakni Hana Giro. Produk ini dapat is Hana Giro. Customers can use this product to
dinikmati oleh nasabah dengan beragam transaksi conduct a variety of transactions without having
tanpa harus ke cabang, yakni melalui Anjungan to visit a branch, specifically through Automated
Tunai Mandiri (ATM), baik ATM Bank Hana maupun Teller Machines (ATMs), including Hana Bank ATMs
ATM bank lain anggota jaringan ATM Bersama dan and ATMs from other banks that are members of
ATM Prima. the ATM Bersama and ATM Prima networks.
Pada tahun 2023, total simpanan dalam giro di In 2023, Hana Bank’s total current account deposit
Bank Hana mencapai Rp8,08 triliun. Dibandingkan reached Rp8.08 trillion. In comparison to 2022,
tahun 2022 yang sebesar Rp10,43 triliun, terjadi which totaled Rp 10.43 trillion, there was a 22.50%
penurunan 22,50%. decrease.
Tabungan Saving
Tabungan merupakan simpanan uang di bank Savings are deposits of money in a bank that
yang penarikannya hanya dapat dilakukan menurut can only be withdrawn under certain conditions.
syarat tertentu. Keunggulan produk tabungan di The benefits of Hana Bank’s savings products,
Bank Hana maupun di layanan aplikasi perbankan as well as on the digital banking application
digital LINE Bank by Hana Bank, antara lain suku service LINE Bank by Hana Bank include
bunga yang kompetitif namun tetap dalam koridor competitive interest rates that fall within the
yang ditetapkan regulator, tanpa biaya admin regulator’s corridors, no monthly admin fees,
bulanan, bebas saldo minimal, tidak dikenakan no minimum balance, and no transaction fees.
biaya transaksi.
Produk tabungan Bank Hana tidak hanya menyasar Hana Bank’s savings products not only target adult
nasabah dewasa, tetapi juga anak-anak melalui customers, but also children through Hana Junior.
Hana Junior. Produk tabungan ini diperuntukkan This savings product is intended for customers
bagi nasabah berusia di bawah 17 tahun, sebagai under the age of 17, and it allows parents to teach
fasilitas bagi orang tua untuk mengajarkan kepada their children the importance of saving from an
anaknya tentang pentingnya menabung sejak dini. early age
Total tabungan nasabah di Bank Hana pada tahun Total customer savings at Hana Bank in 2023 were
2023 tercatat sebesar Rp1,43 triliun. Dibandingkan recorded at Rp1.43 trillion. In comparison to 2022,
tahun 2022 yang Rp1,45 triliun, terjadi penurunan which was Rp1.45 trillion, there was a 1.29% decrease.
1,29%.
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Deposito Time Deposit
Deposito merupakan jenis simpanan yang Deposits are a type of savings that can only be
pencairannya hanya dapat dilakukan dalam withdrawn within a specific time frame and under
waktu tertentu dan syarat-syarat tertentu. Bank certain conditions. Bank Hana as well as on the
Hana maupun di layanan aplikasi perbankan digital banking application service LINE Bank
digital LINE Bank by Hana Bank menyediakan by Hana Bank offers time deposit products with
produk deposito berjangka dengan suku bunga competitive interest rates as a customer investment
yang kompetitif sebagai solusi investasi nasabah, solution, with options in rupiah and US dollars and
yang tersedia dalam mata uang rupiah dan dolar various time periods. Specifically for the LINE Bank
Amerika Serikat serta beragam jangka waktu. by Hana Bank digital banking application service,
Khusus untuk layanan aplikasi perbankan digital the term deposit products currently available are in
LINE Bank by Hana Bank, produk deposito rupiah currency.
berjangka yang tersedia saat ini adalah dalam
mata uang rupiah.
Keunggulan lain dari produk deposito berjangka Another advantage of Hana Bank’s time deposit
Bank Hana adalah kebebasan menentukan waktu product is the ability to choose the maturity period
jatuh tempo (tenor). Begitu juga dengan jumlah (tenor). Likewise, the amount of money placed.
dana yang ditempatkan.
Hingga akhir tahun 2023, Bank Hana membukukan Hana Bank recorded customers’ time deposits of
deposito berjangka nasabah sebesar Rp16,72 triliun, Rp16.72 trillion through the end of 2023, a 11.33%
naik 11,33% dibandingkan tahun 2022 yang Rp15,01 increase from Rp 15.01 trillion in 2022. The deposit
triliun. Nilai deposito tersebut berasal dari total value came from 9,986 customers.
nasabah yaitu 9.986 nasabah.
SEGMEN PINJAMAN LOAN SEGMENT
Kegiatan usaha Bank Hana di bidang pinjaman Hana Bank’s loan and financing services are
atau pembiayaan disediakan bagi nasabah individu available to both individual and institutional or
maupun lembaga atau korporasi. Ada 3 (tiga) jenis corporate customers. There are three types of loans
pinjaman yang disediakan dari sisi peruntukannya, available in terms of designation, namely working
yakni kredit modal kerja, kredit investasi, dan kredit capital loans, investment loans, and consumption
konsumsi. Keunggulan produk pinjaman Bank, loans. The advantages of the Bank’s loan products
antara lain suku bunga yang kompetitif serta include competitive interest rates and a quick and
proses cepat dan mudah. simple process.
Pada tahun 2023, total outstanding dari pinjaman In 2023, the total outstanding loan disbursed by
yang disalurkan Bank mencapai Rp34,32 triliun. the Bank reached Rp34.32 trillion. In comparison to
Dibandingkan tahun 2022 yang Rp32,65 triliun, 2022, which was Rp 32.65 trillion, there was a 5.13%
terjadi kenaikan 5,13%. increase.
Kontribusi terbesar untuk segmen pinjaman ini Working capital loans make the largest contribution
berasal dari jenis kredit modal kerja yang mencapai to this loan segment, accounting for 62.47% of total
62,47% dari total pinjaman yang disalurkan. loans disbursed. Then followed a 33.10% investment
Kemudian, disusul oleh kredit investasi 33,10% dan loan and a 4.42% consumption loan.
kredit konsumsi 4,42%.
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Kinerja Produk Pinjaman
Loan Products Performance
(dalam jutaan rupiah, kecuali dinyatakan lain)
(in million rupiah, unless stated otherwise)
Pertumbuhan
Uraian 2023 2022
Growth
Description
Rp % Rp % Rp %
Kredit Modal Kerja 21.443.034 62,47 20.710.780 63,43 732.254 3,54
Working Capital
Loan
Kredit Investasi 11.362.379 33,10 10.725.828 32,85 636.551 5,93
Investment Loan
Kredit Konsumsi 1.518.638 4,43 1.213.501 3,72 305.137 25,15
Consumption Loan
Total Pinjaman 34.324.051 100 32.650.109 100 1.673.942 5,13
Total Loan
Kredit Modal Kerja Working Capital Loan
Kredit Modal Kerja (KMK) Bank Hana merupakan Hana Bank Working Capital Loan (KMK) is a
kredit yang dapat digunakan untuk kebutuhan/ loan that can be used for a company’s day-to-
kegiatan sehari-hari perusahaan, baik kebutuhan day operations, both permanent and temporary.
yang bersifat permanen maupun temporer. There are several types of KMK being offered,
Beberapa jenis KMK yang ditawarkan, yaitu KMK including Current Account KMK, installment
Rekening Koran, KMK Angsuran, KMK Promes, dan KMK, promissory KMK, and fixed loan KMK.
KMK Fixed Loan.
Hingga akhir tahun 2023, outstanding penyaluran By the end of 2023, the outstanding working capital
kredit modal kerja mencapai Rp21,44 triliun. loan distribution had reached Rp21.44 trillion.
Dibandingkan tahun 2022 yang sebesar Rp20,71 In comparison to 2022, which totaled Rp20.71
triliun, terjadi kenaikan 3,54%. trillion, there was a 3.54% increase/decrease.
Kredit Investasi Investment Loan
Bank Hana menyediakan kredit investasi untuk Hana Bank provides investment loans to meet the
mendukung kebutuhan pembiayaan investasi company’s long-term investment financing needs.
jangka panjang perusahaan.
Total penyaluran kredit investasi pada tahun 2023 Total investment loan distribution in 2023 reached
sebesar Rp11,36 triliun, naik 5,93% dibandingkan Rp 11.36 trillion, 5.93% increas from Rp 10.73 trillion
tahun 2022 yang Rp10,73 triliun. in 2022.
Kredit Konsumsi Consumption Loan
Kredit konsumsi yang disediakan oleh Bank Hana Hana Bank’s consumption loan is intended for
diperuntukkan bagi nasabah individu dengan individual customers with a variety of products.
beragam produk. Dari Kredit Pemilikan Rumah From mortgages (KPR), multipurpose loans, and
(KPR), kredit multiguna, pinjaman karyawan, dan employee loans, and channeling. Bank Hana
channeling. Bank Hana melalui layanan aplikasi through digital banking application services also
perbankan digital juga menyediakan kredit tanpa provides unsecured credit and Quick Credit.
agunan maupun Quick Credit.
Pada tahun 2023, penyaluran kredit konsumsi In 2023, the consumption loan distribution
adalah Rp1,52 triliun. Dibandingkan tahun 2022 reached Rp1.52 trillion. In comparison to 2022, which
yang sebesar Rp1,21 triliun, terjadi kenaikan 25,15%. totaled Rp 1.21 trillion, there was a 25.15%. Increase.
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Kredit UMKM MSME Loan
Kredit untuk Usaha Mikro, Kecil, dan Menengah Loan for Micro, Small, and Medium Enterprises
(UMKM) merupakan kredit yang disalurkan (MSMEs) is loan distributed to support these types
untuk mendukung agar jenis usaha tersebut of businesses in growing, thereby benefiting the
dapat berkembang, sehingga ikut mendukung national economy.
perekonomian nasional.
Pada tahun 2023, total kredit yang telah disalurkan The total loan disbursed to MSMEs in 2023 reached
pada UMKM mencapai Rp1,80 triliun, naik 4,29% Rp1.80 trillion, 4,29%% increase from Rp1.73 trillion
dibandingkan tahun 2022 yang sebesar Rp1,73 in the previous year.
triliun.
Kenaikan tersebut, terutama disumbangkan oleh This increase was mainly contributed by the middle
segmen menengah yakni sebesar Rp1,11 triliun atau segment, namely Rp1.11 trillion or 61.67% of total
61,67% dari total kredit UMKM. Sedangkan porsi MSME credit. Meanwhile, the credit portion for
kredit untuk segmen lainnya adalah segmen mikro other segments is the micro segment 32.63% and
32,63% dan segmen kecil 5,70%. the small segment 5.70%.
Kinerja Kredit UMKM
MSME Loan Performance
(dalam jutaan rupiah, kecuali dinyatakan lain)
(in million rupiah, unless stated otherwise)
Pertumbuhan
2023 2022
Uraian Growth
Description Nasabah Nasabah Nasabah
% % %
Customer Customer Customer
Mikro 102.838 32,63 107.298 6,20 (4.460) -4,16
Micro
Kecil 588.898 5,70 118.079 6,82 470.819 398,73
Small
Menengah 1.113.232 61,67 1.505.347 86,98 (392.115) -26,05
Medium
Total Kredit UMKM 1.804.968 100 1.730.724 100 74.244 4,29
Total MSME Loan
Bancassurance Bancassurance
Bancassurance merupakan layanan kerja sama Bancassurance is a collaboration service between
Bank Hana dengan perusahaan asuransi untuk Hana Bank and insurance companies to
mendukung nasabah membangun masa depan help customers build a strong financial
keuangan yang kokoh. Produk bancassurance yang future. Bancassurance products owned by
dimiliki oleh Bank Hana merupakan produk dari Hana Bank include those from several of its
beberapa mitra usaha Bank, seperti, PT Hanwha business partners, including, PT Hanwha
Life Indonesia, PT Asuransi Allianz Life Indonesia, Life Indonesia, PT Asuransi Allianz Life
dan PT Asuransi Simas Jiwa. Indonesia, and PT Asuransi Simas Jiwa.
Pada tahun 2023, total dana kelolaan Bank untuk In 2023, the Bank’s total managed funds for
produk bancassurance mencapai Rp25,67 miliar, bancassurance products reached Rp25,67 billion,
lebih tinggi 29,6% dibandingkan tahun 2022 yang 29.6% higher than in 2022, which was Rp19.81 billion.
sebesar Rp19,81 miliar. Kenaikan produktivitas The increase in team productivity is the cause of the
team menjadi penyebab kenaikan dana kelolaan increase in Bancassurance managed funds in 2023.
Bancassurance di tahun 2023.
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Kinerja Bancassurance
Bancassurance Performance
(dalam jutaan rupiah, kecuali dinyatakan lain)
(in million rupiah, unless stated otherwise)
Pertumbuhan
Uraian 2023 2022 Growth Description
Rp %
Bancassurance 25.677 19.813 5.864 29,6 Bancassurance
REKSA DANA MUTUAL FUNDS
Bank Hana menawarkan instrumen investasi reksa Hana Bank offers mutual fund investment
dana yang diinvestasikan secara selektif oleh fund instruments that are selectively invested by
manager yang profesional ke dalam instrumen professional fund managers into financial
keuangan. Produk reksa dana yang ditawarkan instruments. The Bank’s mutual fund products
oleh Bank adalah reksa dana pasar uang, reksa include money market mutual funds, fixed
dana pendapatan tetap, reksa dana campuran, income mutual funds, mixed mutual funds,
reksa dana saham, dan reksa dana terproteksi. stock mutual funds, and protected mutual funds.
Hingga akhir tahun buku 2023, dana kelola The Bank’s managed funds in mutual funds
Bank di reksa dana mencapai Rp334,75miliar. reached Rp334,75billion by the end of the fiscal
Dibandingkan dengan tahun 2022, yakni Rp517,90 year 2023. In comparison to 2022, which was
miliar, terjadi penurunan 35,36%. Kondisi pasar Rp 517.90 billion, there was a 35.36% increase. Quite
reksa dana yang cukup fluktuatif dan imbal hasil fluctuating mutual fund market conditions and
obligasi yang lebih kompetitif menjadi penyebab more competitive bond yields were the causes of
penurunan. the decline.
Kinerja Reksa Dana
Mutual Fund Performance
(dalam jutaan rupiah, kecuali dinyatakan lain)
(in million rupiah, unless stated otherwise)
Pertumbuhan
2023 2022
Uraian Growth Description
Rp % Rp % Rp %
Reksa Dana 8.556 2.56 22.169 4,28 (13.613) -61,40 Money Market
Pasar Uang Mutual Funds
Reksa Dana 159.939 47,78 258.871 49,98 (98.932) -38,21 Fixed Income
Pendapatan Tetap Mutual Funds
Reksa Dana Saham 97.088 29,00 117.098 22,61 (20.010) -17,08 Stock Mutual Funds
Reksa Dana 1.161 0,35 980 0,19 181 18,46 Mixed Mutual Fund
Campuran
Reksa Dana 68.006 20,32 118.783 22,94 (50.777) -42,75 Protected Mutual
Terproteksi Funds
Total Reksa Dana 334.753 100 517.901 100 (183.148) -35,36 Total Mutual Funds
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OBLIGASI BOND
Bank Hana menyediakan produk obligasi, yakni Hana Bank offers bond products, specifically
surat utang negara, sebagai instrumen investasi government debt securities, as investment
bagi nasabah. Produk ini memberikan banyak instruments for customers. Customers benefit from
keuntungan kepada nasabah, yakni imbal hasil this product in a variety of ways, including attractive
menarik yang rata-rata lebih tinggi dari deposito, returns that are typically higher than deposits,
tingkat kupon tetap secara reguler, serta regular fixed coupon rates, and government
mendapatkan penjaminan dari pemerintah. Produk guarantees. The bond products available are
obligasi yang ditawarkan, baik berdenominasi denominated in rupiah and US dollars.
rupiah maupun dolar Amerika Serikat.
Pada tahun 2023, transaksi obligasi yang dikelola In 2023, bond transactions managed by Bank Hana
Bank Hana mencapai Rp1,42 triliun, lebih tinggi reached Rp1.42 trillion, 26.67% higher than in 2022
26,67% dibandingkan tahun 2022 yang sebesar Rp1.12 trillion. Competitive bond yields in 2023 are
Rp1,12 triliun. Imbal hasil obligasi yang kompetitif the cause of the increase in bond managed funds
di tahun 2023 menjadi penyebab kenaikan dana at Hana Bank.
kelolaan obligasi di Hana Bank.
Kinerja Obligasi
Bond Performance
(dalam jutaan rupiah, kecuali dinyatakan lain)
(in million rupiah, unless stated otherwise)
Pertumbuhan
Uraian 2023 2022 Growth Description
Rp %
Obligasi 1.419.575 1.120.651 298.924 26,67 Bond
FUND MANAGER FUND MANAGER
Bank Hana merupakan agen penjual reksa dana Hana Bank is a mutual fund sales agent that
yang bekerja sama dengan beberapa “Fund collaborates with several “Fund Managers”, namely
Manager” yaitu PT Batavia Prosperindo Aset PT Batavia Prosperindo Asset Management,
Manajemen, PT Mandiri Manajemen Investasi, PT Mandiri Manajemen Investasi, PT Allianz
PT Allianz Global Investors Asset Manajemen Global Investors Asset Management Indonesia,
Indonesia, PT Ashmore Asset Management PT Ashmore Asset Management Indonesia,
Indonesia, PT Manulife Aset Manajemen Indonesia, PT Manulife Asset Management Indonesia, PT
PT Schroder Investment Management Indonesia, Schroder Investment Management Indonesia, and
dan PT Shinhan Asset Management Indonesia. PT Shinhan Asset Management Indonesia.
Pada tahun 2023, total dana kelolaan investasi Bank In 2023, Hana Bank’s total investment funds under
Hana mencapai Rp334,75 miliar dibandingkan management reached Rp334,75 billion compared
tahun 2022 yang sebesar Rp614,63 miliar, terjadi to 2022 which amounted to Rp614,63 billion, there
penurunan 45,53%. Penurunan ini disebabkan was a decrease of 45.53%. This decrease was caused
oleh adanya jatuh tempo pada produk reksa dana by the maturity of protected mutual fund products
terproteksi dan juga fluktuasi pada pasar reksa and also fluctuations in the mutual fund market.
dana.
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Kinerja Fund Manager
Fund Management Performance
(dalam jutaan rupiah, kecuali dinyatakan lain)
(in million rupiah, unless stated otherwise)
Pertumbuhan
2023 2022
Uraian Growth Description
Rp % Rp % Rp %
PT Batavia 8.394 2,51 79.635 12,96 (71.241) (89,45) PT Batavia
Prosperindo Aset Prosperindo Aset
Manajemen Manajemen
PT Mandiri 69.046 20,63 120.809 19,66 (51.763) (42,84) PT Mandiri
Manajemen Manajemen
Investasi Investasi
PT Allianz Global 12.333 3,68 19.354 3,15 (7.021) (36,27) PT Allianz Global
Investors Asset Investors Asset
Manajemen Manajemen
Indonesia Indonesia
PT Ashmore Aset 1.497 0,45 - - 1.497 - PT Ashmore Aset
Management Management
Indonesia Indonesia
PT Manulife Aset 201.968 60,33 360.758 58,69 (158.790) (44,01) PT Manulife Aset
Manajemen Manajemen
Indonesia Indonesia
PT Schroder 39.016 11,66 30.055 4,89 8.961 29,81 PT Schroder
Investment Investment
Management Management
Indonesia Indonesia
PT Shinhan Asset 2.497 0,75 4.021 0,65 (1.524) 37,90 PT Shinhan Asset
Management Management
Indonesia Indonesia
Total Fund 334.753 100 614.632 100 (279.879) (45,53) Total Fund
Manager Management
TRUST & CUSTODY TRUST & CUSTODY
Bank Hana menyediakan jasa kustodi, pengelolaan Hana Bank offers custody, investment
investasi, dan reksa dana kepada pihak-pihak ketiga, management, and mutual fund services to third
baik nasabah institusi loKal maupun asing. Untuk parties, including both local and foreign institutional
kegiatan usaha tersebut, Bank telah mendapatkan customers. The Bank has obtained permission
izin dari Otoritas Jasa Keuangan (OJK) berdasarkan from the Financial Services Authority (OJK) for
Surat Keputusan Dewan Komisioner Otoritas Jasa these business activities in accordance with Decree
Keuangan No. Kep-7/PM.2/2019 tanggal 6 Maret of the Board of Commissioners of the Financial
2019 persetujuan sebagai Bank Kustodian. Services Authority No. Kep-7/PM.2/2019 dated
March 6, 2019, which approves it as Custodian Bank.
Layanan Trust & Custody Bank telah didukung Trust & Custody Bank services are supported
oleh sistem informasi teknologi yang mampu by a technology information system capable of
memfasilitasi berbagai jenis transaksi efek dan facilitating a wide range of securities transactions
jenis investasi kolektif lainnya. Selain itu, sistem and collective investments. In addition, the system
tersebut juga mendukung pengembangan secara also encourages continuous development to
berkesinambungan guna menyesuaikan dengan comply with applicable rules and regulations.
peraturan dan ketentuan yang berlaku.
Total layanan kustodian yang dikelola oleh The total custodial services managed by the
Bank pada tahun 2023 mencapai 23,34 trilliun. Bank in 2023 will reach 23.34 trillion. Compared to
Dibandingkan tahun 2022 yang sebesar Rp20,09 2022 which was Rp20.09 billion. Meanwhile, the
miliar. Sedangkan komisi yang diterima Bank, yaitu commission received by the Bank, namely Rp11.77
Rp11,77 miliar, lebih besar dibandingkan tahun billion, was greater than the previous year’s Rp4.44
sebelumnya yang Rp4,44 miliar. billion.
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Kinerja Layanan Kustodian
Custodial Service Performance
(dalam jutaan rupiah, kecuali dinyatakan lain)
(in million rupiah, unless stated otherwise)
Pertumbuhan
Uraian 2023 2022 Growth Description
Rp %
Aset Kelolaan 20,340 20,092 248 0.12 Custodial Managed
Kustodian Assets
SEGMEN TREASURY TREASURY SEGMENT
Bank Hana menawarkan sejumlah produk treasury Hana Bank offers customers a variety of treasury
kepada nasabah, yang terdiri atas: telegraphic products, including telegraphic transfer (TT), foreign
transfer (TT), valuta asing (bank note), forward swap, exchange (bank note), forward swap, rupiah and US
obligasi subordinasi rupiah dan dolar Amerika dollar subordinated bonds, negotiable certificate
Serikat, negotiable certificate of deposite (NCD), of deposit (NCD), and medium-term notes (MTN).
serta medium term notes (MTN).
Pada tahun 2023, total transaksi produk treasury Total treasury product transactions in 2023 reached
mencapai Rp184 triliun, lebih tinggi dibandingkan Rp184 trillion, which is higher Rp158 trillion in 2022.
tahun 2022, yakni Rp158 triliun. Kondisi ini di This condition is influenced by customer demand
pengaruhi oleh permintaan nasabah untuk to develop business.
mengembangkan bisnis.
Kinerja Treasury
Treasury Performance
(dalam jutaan rupiah, kecuali dinyatakan lain)
(in million rupiah, unless stated otherwise)
Pertumbuhan
Uraian Growth
CCY 2023 2022
Description
Rp %
EUR 634.709.432 536.150.920 98.558.512 18%
GBP 6.310.840 21.061.063 (14.750.223) (70%)
AUD 57.143.883 94.288.516 (37.144.633) (39%)
SGD 115.073.738 11.222.899 103.850.839 925%
Telegraphic
HKD 804.628 4.128.411 (3.323.783) (80%)
Transfer
KRW 36.500.000 108.670.000 (72.170.000) (66%)
JPY 10.583.270.067 6.176.674.271 4.406.595.796 71%
USD 8.275.296.512 8.191.952.047 83.344.465 1%
CNY 26.431.017 105.071.511 (78.640.494) (74%)
Penjualan Valuta USD 4.106.934 5.344.336 (1.237.402) (23%)
Asing
KRW 32.200.000 352.080.000 (319.880.000) (90%)
Currency USD 0 100.000 (100.000) (100%)
Forward
Currency Swap USD 2.788.624.993 1.556.000.000 1.232.624.993 79%
Currency DNDF USD 10.000.000 2.000.000 8.000.000.000 400%
Obligasi IDR 0 244.000.000.000 (244.000.000.000) (100%)
Subordinasi IDR
& USD USD 0 47.500.000 (47.500.000) (100%)
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Kinerja Treasury
Treasury Performance
(dalam jutaan rupiah, kecuali dinyatakan lain)
(in million rupiah, unless stated otherwise)
Pertumbuhan
Uraian Growth
CCY 2023 2022
Description
Rp %
Negotiable IDR 0 - - -
Certificate
of Deposit/NCD
Medium Term IDR 0 - - -
Note (MTN)
Telegraphic Transfer Telegraphic Transfer
Transaksi telegraphic transfer Bank Hana tahun Bank Hana’s telegraphic transfer transactions in
2023 tercatat sebesar Rp141,5 triliun. Dibandingkan 2023 were recorded at Rp141.5 trillion. In comparison
tahun 2022, yakni Rp133,9 triliun, terjadi kenaikan to 2022, which was Rp133.9 trillion, 5% increase.
5%.
Penjualan Valuta Asing Foreign Exchange
Pada tahun 2023, Bank melayani penjualan valuta In 2023, the Bank served the sale of foreign
asing dalam denominasi dolar Amerika Serikat currency denominated in US dollars, and
dan won Korea Selatan senilai Rp64,9 miliar. the South Korean won amounted to Rp64,9
Pencapaian tersebut mengalami penurunan 84% million. This achievement increased 84%
dibandingkan tahun 2022 yang sebesar Rp426 compared to 2022, which totaled Rp426 billion.
miliar.
Currency Forward Currency Forward
Transaksi currency forward pada tahun 2023 Currency forward transactions in 2023 amounted to
sebesar Rp0. Dibandingkan tahun 2022 yang Rp1,5 Rp0 compare to 2022 Rp1.5 billion or 100% decrease.
miliar atau mengalami penurunan 100%.
Currency Swap Currency Swaps
Total transaksi pada layanan currency swap Total transactions in currency swaps services
sepanjang tahun 2023, yakni Rp 42,9 triliun. throughout 2023, namely Rp42.9 trillion, compared
Dibandingkan tahun 2022 yang sebesar Rp24,2 to IDR 24.2 trillion in 2022, an increase of 79%.
triliun, mengalami kenaikan 79%.
Currency DNDF
In 2023, total transaksi pada layanan currency Currency DNDF
Domestic Non Deliverable Forward (DNDF) In 2023, the total transactions in Domestic
sepanjang tahun 2023, yakni Rp 153 miliar. Non-Deliverable Forward (DNDF) currency
Dibandingkan tahun 2022 yang sebesar Rp31,1 services reached Rp153 billion compare
miliar, mengalami kenaikan 400%. to 2022 Rp31.1 billion, increased 400%.
Obligasi Subordinasi
Pada tahun 2023, nilai transaksi pada obligasi Subordinated Bonds
subordinasi yang diterbitkan oleh Bank Hana The Transaction value of Hana Bank’s subordinated
sebesar Rp0. Dibandingkan tahun 2022 yang bonds in 2023 Rp0 . In comparison to 2022, which
sebesar Rp244 miliar dan USD 47.5 juta , mengalami was Rp244 billion and USD 47.5 million, a decrease
penurunan 100 %, dikarenakan telah dilakukan of 100%, because the sub-ordinarted bonds already
pelunasan atas obligasi sub ordinasi tersebut pada paid in December 2023.
Desember 2023.
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Negotiable Certificate of Deposit Negotiable Certificate of Deposit
Bank Hana tidak menerbitkan negotiable Hana Bank did not issue a negotiable certificate of
certificate of deposit di tahun 2022 dan 2023. deposit in 2022 and 2023.
Medium Term Notes (MTN) Medium-Term Notes (MTN)
Bank Hana tidak menerbitkan MTN di tahun 2023. Hana Bank did not issue Medium Term Notes (MTN)
in 2022 and 2023.
SEGMEN JASA SERVICE SEGMENT
Jasa Trade Service Trade Services
Bank Hana menyediakan jasa trade service Hana Bank provides trade services as a solution for
sebagai solusi kebutuhan ekspor, impor, dan the export, import, and domestic trade needs of
perdagangan domestik selaras dengan kebutuhan its customers. Armed with extensive experience,
nasabah. Berbekal pengalaman yang luas, Bank the Bank provides simple and fast services.
menawarkan layanan yang mudah dan cepat.
Pada tahun 2023, Bank membukukan transaksi In 2023, the Bank recorded trade service
pada jasa trade service mencapai Rp16,53 triliun, transactions totaling Rp16.53 trillion, a 17% decrease
menurun 17% dibandingkan tahun 2022, yaitu from 2022, compared to 2022, which was Rp19.82
Rp19,82 triliun. Kondisi ini dipengaruhi oleh faktor trillion. This condition is influenced by the global
pelemahan ekonomi global di tahun 2023. economic downturn in 2023.
(dalam jutaan rupiah, kecuali dinyatakan lain)
(in million rupiah, unless stated otherwise)
Pertumbuhan
Uraian 2023 2022 Growth Description
Rp %
Import LC/SKBDN 5.757.431 7.869.075 (2.111.644) -27 Import LC/SKBDN
(Sight, Usance, UPAS) (Sight, Usance, UPAS)
Export Negotiation/ 10.465.726 11.636.971 (1.171.245) -10 Export Negotiation/
Collection Collection
Bank Garansi 307.123 312.535 (5.412) -2 Bank Garansi
Bank Guarantee Bank Guarantee
Jumlah 16.530.280 19.818.581 (3.288.301) -17 Total
Kurs Acuan
Reference Rate
Kurs Per 31 Desember 2023 Per 31 Desember 2022
Currency As of December 31, 2023 As of December 31, 2022
USD 15.397,00 15.567,50
EUR 17.038,32 16.581,72
JPY 108,88 117,81
CHF 18.299,26 16.827
KRW 11,88 12,35
SGD 11.676,34 11.592,88
GBP 19.626,56 18.786,09
AUD 10.520,77 10.557,88
HKD 1.970,72 1.996,55
CNY 2.169,50 2.234,50
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Kartu Debit Debit Card
Produk kartu debit Bank Hana menyediakan Hana Bank debit card products provide services
layanan bagi nasabah dengan beragam for customers with a variety of conveniences, “One
kemudahan, “Satu Kartu untuk Semua Transaksi”. Card for All Transactions”. The debit card, which
Kartu debit yang merupakan kartu Anjungan Tunai is an Automated Teller Machine (ATM) card, can
Mandiri (ATM) tersebut dapat digunakan untuk be used for cash withdrawals at ATM Bersama,
transaksi tarik tunai di jaringan ATM Bersama, Prima, ITMX, KFTC, MEPS, VISAPlus networks, and
Prima, ITMX, KFTC, MEPS, VISAPlus, dan transaksi shopping transactions at tens of thousands of GPN
belanja di puluhan ribu merchant EDC GPN di EDC merchants domestically and Visa Networks
dalam negeri dan Jaringan Visa di Luar Negeri, Abroad, including online shopping at eCommerce
termasuk belanja online di merchant merchant merchants through the Visa network and Direct
eCommerce melalui jaringhan Visa dan Direct Debit at selected merchants for Visa and GPN logo
Debit di merchant terpilih untuk Kartu berlogo Visa cards.
dan berlogo GPN.
Hingga akhir tahun buku 2023, total kartu debit Until the end of the 2023 fiscal year, the Bank
yang telah dikeluarkan oleh Bank mencapai 252.166 issued a total of 252,166 debit cards, a 22% increase
kartu, naik 22% dibandingkan tahun 2022 yang from 196,771 in 2022. In comparison to 2022, the
ada 196.771 kartu. Frekuensi transaksi kartu debit frequency of debit card transactions decreased
mencapai 16.331.660 kali, dibandingkan tahun 2022 by 7% to 16,331,660. The total number of customer
mengalami penurunan 7% dibandingkan tahun using debit cards reached 593,123 customers,
2022. Total nasabah yang menggunakan kartu representing 14% increase from 2022.
debit mencapai 593.123 dan mengalami kenaikan
sebesar 14% dibandingkan tahun 2022.
Kinerja Kartu Debit
Debit Card Performance
Pertumbuhan
Uraian 2023 2022 Growth Description
Rp %
Total Transaksi (kali) 16.331.660 17.519.407 (1.187.747) -7 Total Transactions
(time)
Total Kartu Debit 252.166 196.771 55.395 22 Total Debit Card
yang diterbitkan Issued
Jumlah Nasabah 593.123 510.806 82.137 14 Total Customers
Layanan E-Channel E-Channel Service
Layanan e-channel Hana Bank mencakup ATM Hana Bank’s e-channel services include Hana ATMs,
Hana, internet banking perusahaan dan personal, corporate and personal internet banking, mobile
mobile banking, dan digital banking. Pada tahun banking, and digital banking. In 2023 the largest
2023 total frekuensi transaksi tersbesar terdapat total transaction frequency is in Digital Banking
di layanan Digital Banking yaitu kenaikan sebesar services, which is an increase of 77% compared to
77% dibandingakan tahun 2022 dan untuk total 2022 and for a total increase in transaction frequency
kenaikan frekuensi transaksi sebesar 16.879.997. of 16,879,997. Hana Bank’s e-channel services have
Layanan e-channel Hana Bank mengalami increased compared to 2022, both the number
kenaikan dibandingkan tahun 2022, baik jumlah of customers, the frequency of transactions, the
nasabah, frekuensi transaksi, kenaikan tersebut increase is 20% for the number of customers, and
yaitu 20% untuk jumlah nasabah, dan 58% untuk 58% for the total frequency of transactions.
total frekuensi transaksi.
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Kinerja E-Channel
E-Channel Performance
2023 2022
Uraian Jumlah Transaksi Jumlah Transaksi
Description Total Nasabah Total Nasabah
Number of Number of
Total Customers Total Customers
Transactions Transactions
ATM Hana 566.428 1.722.428 509.055 2.593.495
Internet Banking 3.775 748.764 3.341 727.185
Perusahaan
Corporate Internet
Banking
Mobile Banking 17.841 3.006.164 24.425 2.657.064
Internet Banking 17.840 24.475 24.421 28.103
Personal
Personal Internet
Banking
Digital Banking 816.826 38.928.425 509.371 22.048.428
Layanan Lainnya Other Services
Bank Hana menawarkan layanan Priority Banking Hana Bank offers Priority Banking services,
yang diluncurkan sejak tahun 2016. Melalui layanan which were launched in 2016. The Bank’s service
ini, Bank memberikan solusi segala kebutuhan addresses all of its customers’ needs. Some of the
nasabah. Beberapa keistimewaan yang diperoleh privileges that customers get include pick-up at
nasabah, antara lain jemputan di Bandara Changi, Changi Airport in Singapore and Incheon in Korea.
Singapura, dan Incheon, Korea. Nasabah juga Customers can also get a free safe deposit box
mendapatkan safe deposit box tanpa biaya untuk for a total relationship balance starting at Rp 500
total relationship balance mulai dari Rp500 juta di million at the Mangkuluhur Main Branch Office
Kantor Pusat Operasi (KPO) Mangkuluhur, Kantor (KPO), Medan Sudirman Branch Office (KC), Bogor
Cabang (KC) Medan Sudirman, Bogor Padjadjaran, Padjadjaran, West Kelapa Gading, and Pantai Indah
Kelapa Gading Barat, dan Kantor Cabang Kapuk Sub-Branch Office (KCP).
Pembantu (KCP) Pantai Indah Kapuk.
Pada tahun 2023, jumlah dana yang dikelola oleh In 2023, the amount of funds managed by Priority
Priority Banking sebesar Rp5,09 triliun atau naik Banking amounted to Rp5.09 trillion or an increase
15,60%, dibandingkan tahun 2022 sebesar Rp4,40 of 15.60%, compared to Rp4.40 trillion in 2022.
triliun.
PROFITABILITAS PER SEGMEN USAHA PROFITABILITY BY BUSINESS SEGMENT
Pada tahun 2023, profitabilitas tertinggi pada IIn 2023, the financing segment has the highest
segmen operasi yang ditunjukkan melalui laba profitability in the operating segment, as evidenced
sebelum pajak yang tertinggi, terjadi pada segmen by the highest income before tax, representing a
pembiayaan, yaitu naik 38,85% dibandingkan 38.85% increase over 2022.
tahun 2022.
The financing segment contributed the most to
Dari 4 (empat) segmen tersebut, kontributor income before tax out of the 4 (four) segments,
terbesar terhadap laba sebelum pajak adalah accounting for 397.61% or Rp2.45 trilion. Meanwhile,
segmen pembiayaan, yang mencapai 397,61% atau the funding, treasury, and services segments
Rp2,45 triliun. Sedangkan segmen pendanaan, contributed (Rp1.17 trilion) (-189.50%), Rp621.86
segmen treasury, dan segmen jasa masing-masing billion (100.86%), and Rp3.52 billion (-0.57%),
memberikan kontribusi (Rp1,17 triliun) (-189,50%), respectively.
Rp621,86 miliar (100,86%), dan Rp3,52 miliar (-0,57%).
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(dalam jutaan rupiah) | (in million rupiah)
Uraian Pembiayaan Pendanaan Jasa
Treasury Total
Description Financing Funding Services
2023
Pendapatan Bunga 2.455.615 - 572.655 14.764 3.043.034
Interest Income
Beban Bunga - (1.225.893) (68.972) (23.982) (1.318.847)
Interest Expense
Provisi dan Komisi Selain dari 15.854 46.165 - 64.752 126.771
Kredit
Provision and Commission Not
Related to Loan
Keuntungan Transaksi Mata - - 72.412 - 72.412
Uang Asing – Neto
Gain on Foreign Exchange - Net
Keuntungan Penjualan Efek-efek - 38.774 - 38.774
Gain on Sale of Securities
Kerugian dari Perubahan Nilai - - 5.665 - 5.665
Wajar atas Instrumen Keuangan
yang Diukur pada Nilai Wajar
Melalui Laba Rugi – Neto
Loss from Changes in Fair Value
of Financial Instruments at Fair
Value Through Profit or Loss -
Net
Pendapatan (Beban) Operasional 33.423 10.407 3.546 (59.695) (12.319)
Lainnya - Lain-lain – Neto
Other Operating Income
(Expenses) – Net
Penyisihan Kerugian Penurunan (53.392) 952 (2.222) 638 (54.024)
Nilai Aset Keuangan
Allowance for Impairment Losses
on Financial Assets
Beban yang Tidak dapat - - - - (1.284.905)
Dialokasi
Unallocated Expenses
Laba Sebelum Beban Pajak 2.451.500 (1.168.369) 621.858 (3.523) 616.561
Income Before Tax Expense
2022
Pendapatan Bunga 2.014.750 - 478.792 12.551 2.506.093
Interest Income
Beban Bunga - (615.606) (67.791) (26.583) (709.980)
Interest Expense
Provisi dan Komisi Selain dari 18.732 81.341 - 68.580 168.653
Kredit
Provision and Commission Not
Related to Loan
Keuntungan Transaksi Mata - - 52.703 - 52.703
Uang Asing – Neto
Gain on Foreign Exchange - Net
Keuntungan Penjualan Efek-efek - - 34.725 - 34.725
Gain on Sale of Securities
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. (dalam jutaan rupiah) | (in million rupiah)
Uraian Pembiayaan Pendanaan Jasa
Treasury Total
Description Financing Funding Services
Kerugian dari Perubahan Nilai - - (1.474) - (1.474)
Wajar atas Instrumen Keuangan
yang Diukur pada Nilai Wajar
Melalui Laba Rugi – Neto
Loss from Changes in Fair Value
of Financial Instruments at Fair
Value Through Profit or Loss -
Net
Pendapatan (Beban) Operasional 33.350 8.314 1.133 (80.348) (37.551)
Lainnya - Lain-lain – Neto
Other Operating Income
(Expenses) – Net
Penyisihan Kerugian Penurunan (301.230) - 534 (1.736) (302.432)
Nilai Aset Keuangan
Allowance for Impairment Losses
on Financial Assets
Beban yang Tidak dapat - - - - (1.112.260)
Dialokasi
Unallocated Expenses
Laba Sebelum Beban Pajak 1.765.602 (525.951) 498.622 (27.536) 598.477
Income Before Tax Expense
Pertumbuhan / (Penurunan)
Increase / (Decrease)
Pendapatan Bunga 440.865 - 93.863 2.213 536.941
Interest Income
Beban Bunga - (610.287) (1.181) 2.601 (608.867)
Interest Expense
Provisi dan Komisi Selain dari (2.878) (35.176) - (3.828) (41.882)
Kredit
Provision and Commission Not
Related to Loan
Keuntungan Transaksi Mata - - 19.709 - 19.709
Uang Asing – Neto
Gain on Foreign Exchange - Net
Keuntungan Penjualan Efek-Efek - - 4.049 - 4.049
Gain on Sale of Securities
Kerugian dari Perubahan Nilai - - 7.139 - 7.139
Wajar atas Instrumen Keuangan
yang Diukur pada Nilai Wajar
Melalui Laba Rugi – Neto
Loss from Changes in Fair Value
of Financial Instruments at Fair
Value Through Profit or Loss -
Net
Pendapatan (Beban) Operasional 73 2.093 2.413 20.653 25.232
Lainnya - Lain-lain – Neto
Other Operating Income
(Expenses) – Net
Penyisihan Kerugian Penurunan 247.838 952 (2.756) 2.374 248.408
Nilai Aset Keuangan
Allowance for Impairment Losses
on Financial Assets
Beban yang Tidak dapat - - - - (172.645)
Dialokasi
Unallocated Expenses
Laba Sebelum Beban Pajak 685.898 (642.418) 123.236 24.013 18.084
Income Before Tax Expense
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Tinjauan Keuangan
Financial Overview
Pembahasan tinjauan kinerja keuangan PT Bank The discussion of the financial performance
KEB Hana Indonesia (“Bank Hana”, “Bank”) yang overview of PT Bank KEB Hana Indonesia (“Hana
disajikan di bawah ini telah sesuai dengan laporan Bank,” “Bank”) presented below is based on the
keuangan untuk tahun buku yang berakhir 31 financial report for the financial year ending
Desember 2023. Laporan Keuangan Bank disusun December 31, 2023. The Bank’s Financial Report
telah mengacu pada standar akuntansi keuangan was prepared in accordance with Indonesian
yang berlaku di Indonesia dan telah diaudit financial accounting standards and audited by the
oleh Kantor Akuntan Publik Amir Abadi Jusuf, public accounting firm Amir Abadi Jusuf, Aryanto,
Aryanto, Mawar & Rekan dengan opini audit tanpa Mawar & Rekan with an unmodified audit opinion
modifikasian (dahulu wajar tanpa pengecualian). (previously unqualified).
LAPORAN POSISI KEUANGAN STATEMENT OF FINANCIAL
POSITION
ASET ASSETS
Bank Hana membukukan aset di tahun 2023 In 2023, Hana Bank’s assets were recorded at
sebesar Rp46,89 triliun, naik 0,39% atau Rp184,45 Rp46.89 trillion, an increase of 0.39% or Rp184.45
miliar dibandingkan tahun 2022, yakni Rp46,70 billion from Rp46.70 trillion the previous year. This
triliun. Kondisi ini sejalan dengan meningkatnya condition is in line with the increase in the Bank’s
aset lancar Bank sebesar Rp275,45 miliar. current assets by Rp275.45 billion.
(dalam jutaan rupiah, kecuali dinyatakan lain)
(in million rupiah, unless stated otherwise)
Pertumbuhan
Uraian 2023 2022 Growth Description
Rp %
Aset Keuangan Financial Asset
Kas 172.058 183.737 (11.679) -6,36 Cash
Giro pada Bank 1.601.540 1.692.309 (90.769) -5,36 Current Accounts
Indonesia with Bank Indonesia
Giro pada Bank Lain Current Accounts
with Other Banks
Pihak Berelasi 8.745 3.556 5.189 145,92 Related Parties
Pihak Ketiga 386.847 767.901 (381.054) -49,62 Third Parties
395.592 771.457 (375.865) -48,72
Dikurangi: (512) (952) (440) -46,22 Less: Allowance for
Cadangan Kerugian Impairment Losses
Penurunan Nilai
Giro pada Bank Lain 395.080 770.505 (375.425) -48,72 Current Accounts
- Neto with Other
Banks - Net
Penempatan pada Placements with
Bank Indonesia dan Bank Indonesia
Bank Lain and Other Banks
Pihak Ketiga 2.142.554 3.159.640 (1.017.086) -32,19 Third Parties
Dikurangi: Bunga (3.463) (621) 2.842 457.65 Less: Unamortized
yang Belum Interest
Diamortisasi
2.139.091 3.159.019 (1.019.928) -32,29
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(dalam jutaan rupiah, kecuali dinyatakan lain)
(in million rupiah, unless stated otherwise)
Pertumbuhan
Uraian 2023 2022 Growth Description
Rp %
Cadangan Kerugian (104) (275) (171) -62,18 Allowance for
Penurunan Nilai Impairment Losses
Penempatan pada 2.138.987 3.158.744 (1.019.757) -32,28 Placements with
Bank Indonesia dan Bank Indonesia
Bank Lain - Neto and Other Banks -
Net
Efek-efek Securities
Pihak Ketiga 6.164.085 6.058.856 105.229 1,74 Third Parties
Ditambah: Premi 35.400 43.848 (8.448) -19,27 Add: Unamortized
yang Belum Premium
Diamortisasi
6.199.485 6.102.704 96.781 1,59
Dikurangi: (10.393) (8.426) 1.967 23,34 Less: Allowance for
Cadangan Kerugian Impairment Losses
Penurunan Nilai
Efek-efek - Neto 6.189.092 6.094.278 94.814 1,56 Securities - Net
Tagihan Derivatif - 31.911 3.086 28.825 934,06 Derivatives
Pihak Ketiga Receivable - Third
Parties
Kredit Loans
Pihak Berelasi 895.534 905.945 (10.411) -1,15 Related Parties
Pihak Ketiga 33.428.517 31.744.164 1.684.353 5,31 Third Parties
34.324.051 32.650.109 1.673.942 5,13
Dikurangi: (984.674) (1.015.413) (30.739) -3,03 Less: Allowance for
Cadangan Kerugian Impairment Losses
Penurunan Nilai
Kredit - Neto 33.339.377 31.634.696 1.704.681 5,39 Loans – Net
Tagihan Akseptasi Acceptances
Receivable
Pihak Ketiga 1.305.493 1.360.569 (55.076) -4,05 Third Parties
Dikurangi: Cadangan (1.689) (1.679) 10 0,60 Less: Allowance for
Kerugian Penurunan Impairment Losses
Nilai
Tagihan Akseptasi - 1.303.804 1.358.890 (55.086) -4,05 Acceptances
Neto Receivable - Net
Aset Lain-lain – Neto 808.843 835.681 (26.838) -3,21 Other Assets – Net
Total Aset Keuangan 45.980.692 45.731.926 248.766 0,54 Total Financial
Assets
Aset Non-Keuangan Non- Financial Assets
Biaya Dibayar Di 31.189 31.200 (11) -0,04 Prepaid Expenses
Muka
Investasi dalam 106.519 106.664 (145) -0,14 Investment in Shares
Saham
Aset Tetap dan Aset 2.012.642 1.852.218 160.424 8,66 Fixed Assets and
Hak-Guna Right-of-Use
Assets
Dikurangi: Akumulasi (1.415.259) (1.209.181) (206.078) 17,04 Less: Accumulated
Penyusutan Depreciation
Aset Tetap - Neto 597.383 643.037 (45.654) -7,10 Fixed Assets - Net
Aset Pajak 168.083 186.588 (18.505) -9,92 Deferred Tax Assets
Tangguhan - Neto - Net
Total Aset Non- 903.174 967.489 (64.315) -6,65 Total Non- Financial
Keuangan Assets
Total Aset 46.883.866 46.699.415 184.451 0,39 Total Assets
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ASET KEUANGAN FINANCIAL ASSETS
Kas Cash
Pada tahun 2023, Bank Hana memiliki kas In 2023, Bank Hana had cash amounting to
Rp172,06 miliar. Dibandingkan tahun 2022 yang Rp172.06 billion. Compared to 2022, which was
sebesar Rp183,74 miliar, terjadi penurunan 6,36% Rp183.74 billion, there was a decrease of 6.36% or
atau Rp11,68 miliar. Kondisi ini dipengaruhi oleh Rp11.68 billion. This condition was influenced by the
menurunnya kas dalam mata uang Rupiah sebesar decrease in cash in Indonesian Rupiah by 8.30% or
8,30% atau Rp11,78 miliar. Rp11.78 billion.
Giro pada Bank Indonesia Current Accounts with Bank Indonesia
Giro Bank Hana yang ditempatkan di Bank Bank Hana’s current account placed at Bank
Indonesia pada tahun 2023 yakni Rp1,60 triliun, Indonesia in 2023 is Rp1.60 trillion, a decrease of
turun 5,36% dibandingkan tahun 2022 yang sebesar 5.36% compared to 2022 which amounted to Rp1.69
Rp1,69 triliun. trillion.
Giro pada Bank Lain Current Accounts with Other Banks.
Giro Bank Hana yang ditempatkan pada bank Bank Hana’s placements in other banks in 2023
lain di tahun 2023 tercatat Rp395,08 miliar, turun amounted to Rp395.08 billion, down 48.72%
48,72% dibandingkan tahun 2022 yang sebesar compared to 2022, which was Rp770.51 billion.
Rp770,51 miliar. Kondisi ini dipengaruhi oleh This condition was influenced by the decrease
menurunnya giro dalam mata uang asing sebesar in placements in foreign currencies by 76.84% or
76,84% atau Rp455,38 miliar. Komposisi giro pada Rp455.38 billion. The composition of placements in
bank lain yang ada saat ini terdiri dari mata uang other banks currently consists of 34.70% in foreign
asing 34,70% dan mata uang Rupiah 65,30%. currencies and 65.30% in Indonesian Rupiah.
Penempatan pada Bank Indonesia dan Bank Placements with Bank Indonesia and Other
Lain Banks
Penempatan Bank Hana pada Bank Indonesia dan Bank Hana’s placements with Bank Indonesia and
bank lain - neto pada tahun 2023 mencapai Rp2,14 other banks - net in 2023 reached Rp2.14 trillion.
triliun. Dibandingkan tahun 2022 yang sebesar Compared to 2022, which was Rp3.16 trillion, there
Rp3,16 triliun, terjadi penurunan 32,29% atau was a decrease of 32.29% or Rp1.02 trillion. This
Rp1,02 triliun. Kondisi ini terutama dipengaruhi condition was mainly influenced by the decrease
oleh menurunnya Deposito Berjangka pada in Time Deposits at Bank Indonesia by 53.52%
BI sebesar 53,52% atau Rp1,45 triliun, sejalan or Rp1.45 trillion, alongside an increase in Bank
dengan penurunan tersebut terdapat kenaikan Indonesia’s Savings Facilities by Rp579.91 billion.
pada Fasilitas Simpanan Bank Indonesia sebesar
Rp579,91 miliar.
Efek-efek Securities
Efek-efek Bank Hana pada tahun 2023 mencapai Hana Bank’s securities in 2023 reached Rp6.19
Rp6,19 triliun, meningkat 1,56% dibandingkan trillion, an increase of 1.56% compared to Rp6.09
tahun 2022 yang sebesar Rp6,09 triliun. Kondisi ini trillion in 2022. This condition was influenced by
dipengaruhi kenaikan investasi pada instrumen an increase in investments in bonds and mutual
obligasi dan reksa dana masing-masing sebesar funds by 3.27% and 119.35% respectively, or Rp184.87
3,27% dan 119,35% atau Rp184,87 miliar dan Rp150,98 billion and Rp150.98 billion.
miliar.
Kredit yang Diberikan Loans Outstanding
Kredit yang diberikan Bank Hana pada tahun Bank Hana’s loans granted in 2023 amounted to
2023 mencapai Rp33,34 triliun, lebih tinggi 5,39% Rp33.34 trillion, up 5.39% compared to 2022, which
dibandingkan tahun 2022 yang sebesar Rp31,63 was Rp31.63 trillion. This condition was influenced
triliun. Kondisi ini dipengaruhi oleh meningkatnya by the increase in working capital loans, investment
kredit modal kerja, kredit investasi, maupun kredit loans, and consumer loans, each increasing by
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konsumsi yang masing-masing meningkat sebesar Rp732.25 billion, Rp636.55 billion, and Rp305.137
Rp732,25 miliar, Rp636,55 miliar, dan Rp305,137 billion respectively compared to the previous year.
miliar apabila dibandingkan dengan tahun
sebelumnya.
Tagihan Akseptasi Acceptance Receivables
Tagihan akseptasi Bank Hana tahun 2023 mencapai Bank Hana’s acceptance bills in 2023 amounted
Rp1,31 triliun, turun 4,05% atau dibandingkan to Rp1.31 trillion, down 4.05% compared to 2022,
tahun 2022 yang sebesar Rp1,36 triliun. Kondisi ini which was Rp1.36 trillion. This condition was mainly
terutama dipengaruhi oleh menurunnya tagihan influenced by the decrease in acceptance bills in US
akseptasi dalam mata uang Dolar Amerika Serikat Dollars by 3.40% or Rp45.04 billion.
sebesar 3,40% atau Rp45,04 miliar.
Aset Lain-lain Other Assets
Aset lain-lain Bank Hana tahun 2023 mencapai Bank Hana’s other assets in 2023 amounted to
Rp808,84 miliar, lebih kecil 3,21% atau Rp26,84 Rp808.84 billion, 3.21% smaller or Rp26.84 billion
miliar dibandingkan tahun 2022 yang sebesar compared to 2022, which was Rp835.68 billion. This
Rp835,68 miliar. Kondisi ini terutama dipengaruhi condition was mainly influenced by the decrease in
oleh menurunnya tagihan transaksi letters of credit transactions of usance paid at sight letters of credit
pembiayaan usance paid at sight sebesar Rp54,58 by Rp54.58 billion. In addition to the decrease, there
miliar. Selain penurunan yang terjadi, terdapat pula was also an increase in collateral taken over by
kenaikan pada agunan yang diambil alih sebesar 8.20% or Rp35.45 billion compared to the previous
8,20% atau Rp35,45 miliar apabila dibandingkan year due to the addition of collateral taken over
dengan tahun sebelumnya karena adanya during 2023.
penambahan agunan yang diambil alih selama
tahun 2023.
ASET NON-KEUANGAN NON-FINANCIAL ASSETS
Biaya Dibayar di Muka Prepaid Expenses
Biaya dibayar di muka Bank Hana tahun 2023 Hana Bank’s prepaid expenses in 2023 reached
mencapai Rp31,19 miliar, turun 0,04% atau Rp11 juta Rp31.19 billion, a decrease of 0.04% or Rp11 million
dibandingkan tahun 2022 yang sebesar Rp31,20 compared to Rp31.20 billion in 2022.
miliar.
Investasi dalam Saham Investment in Shares
Investasi dalam saham Bank Hana tahun 2023 Hana Bank’s investment in shares in 2023 reached
mencapai Rp106,52 miliar, lebih rendah 0,14% Rp106.52 billion, 0.14% lower compared to 2022,
dibandingkan tahun 2022 yang sebesar Rp106,66 which amounted to Rp106.66 billion. This condition
miliar. Kondisi ini dipengaruhi oleh menurunnya was influenced by the decrease in the accumulation
akumulasi bagian keuntungan neto asosiasi. of net profit shares of associates.
Aset Tetap dan Aset Hak-Guna Fixed Assets and Right-of-Use Assets
Aset tetap dan aset hak-guna Bank Hana tahun Hana Bank’s fixed assets and right-of-use assets in
2023 mencapai Rp597,38 miliar, mengalami 2023 reached Rp597.38 billion, a decrease of 7.10%,
penurunan 7,10% atau Rp45,65 miliar dibandingkan or Rp45.65 billion compared to Rp643.04 billion in
tahun 2022 yang sebesar Rp643,04 miliar. Kondisi 2022. This condition is consistent with the reduction
ini sejalan dengan pengurangan aset tetap serta in fixed assets and the increase in the accumulation
meningkatnya akumulasi penyusutan aset tetap of depreciation of fixed assets and leasehold rights.
dan aset hak guna.
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Aset Pajak Tangguhan - Neto Deferred Tax Assets - Net
Aset pajak tangguhan - neto Bank Hana tahun Hana Bank’s net deferred tax assets in 2023 reached
2023 mencapai Rp168,08 miliar, turun 9,92% Rp168.08 billion, a decrease of 9.92% compared
dibandingkan tahun 2022 yang sebesar Rp186,59 to 2022, which amounted to Rp186.59 billion.
miliar. Kondisi ini dipengaruhi oleh menurunnya This condition was influenced by the decrease in
cadangan kerugian penurunan nilai aset keuangan provisions for impairment losses on financial assets
dan liabilitas sewa masing-masing sebesar Rp8,66 and lease liabilities by Rp8.66 billion and Rp16.07
miliar dan Rp16,07 miliar, apabila dibandingkan billion respectively, compared to the previous year.
dengan tahun sebelumnya.
LIABILITAS LIABILITIES
Total liabilitas Bank Hana tahun 2023 mencapai Total liabilities of Bank Hana in 2023 amounted to
Rp35,82 triliun menurun 0,74% atau sebesar Rp35.82 trillion, a decrease of 0.74% or Rp267.44
Rp267,44 miliar dibandingkan tahun 2022 yang billion compared to 2022, which was Rp36.09 trillion.
sebesar Rp36,09 triliun. Kondisi ini sejalan dengan This condition is consistent with the decrease in
penurunan pada simpanan nasabah sebesar 2,47% customer deposits by 2.47% or Rp663.45 billion,
atau Rp663,45 miliar, simpanan dari bank lain deposits from other banks by 12.27% or Rp664.18
12,27% atau Rp664,18 miliar, dan pelunasan seluruh billion, and the redemption of all securities issued
surat berharga yang diterbitkan pada tahun 2023 in 2023 amounting to Rp982.61 billion. Alongside
sebesar Rp982,61 miliar. Sejalan dengan penurunan this decrease, there was also a significant increase
tersebut, terdapat pula kenaikan yang signifikan in loans received by the Bank amounting to Rp2.02
pada pinjaman yang diterima oleh Bank sebesar trillion.
Rp2,02 triliun.
(dalam jutaan rupiah, kecuali dinyatakan lain)
(in million rupiah, unless stated otherwise)
Pertumbuhan
Uraian 2023 2022 Growth Description
Rp %
Liabilitas Keuangan Financial Liabilities
Liabilitas Segera 182.424 124.414 58.010 46,63 Current Liabilities
Simpanan Nasabah Deposits from
Customers
Pihak Berelasi 360.101 129.110 230.991 178,91 Related Parties
Pihak Ketiga 25.868.992 26.763.433 (894.441) -3,34 Third Parties
26.229.093 26.892.543 (663.450) -2,47
Simpanan dari Bank Deposits from Other
Lain Banks
Pihak Berelasi 4.716.678 5.337.512 (620.834) -11,63 Related Parties
Pihak Ketiga 30.291 73.634 (43.343) -58,86 Third Parties
4.746.969 5.411.146 (664.177) -12,27
Liabilitas Derivatif - 26.248 2.105 24.143 1.146,94 Derivative Payable –
Pihak Ketiga Third Parties
Liabilitas Akseptasi - 1.305.493 1.360.569 (55.076) -4,05 Acceptance Payable –
Pihak Ketiga Third Parties
Pinjaman yang 2.578.595 554.575 2.024.020 364,97 Borrowings – Third
Diterima - Pihak Parties
Ketiga
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(dalam jutaan rupiah, kecuali dinyatakan lain)
(in million rupiah, unless stated otherwise)
Pertumbuhan
Uraian 2023 2022 Growth Description
Rp %
Surat Berharga yang Securities Issued
Diterbitkan
Pihak Berelasi - 622.700 (622.700) -100,00 Related Parties
Pihak Ketiga - 359.909 (359.909) -100,00 Third Parties
- 982.609 (982.609) -100,00
Liabilitas Lain-lain 560.833 518.398 42.435 8,19 Other Liabilities
Total Liabilitas 35.629.655 35.846.359 (216.704) -0,60 Total Financial
Keuangan Liabilities
Liabilitas Non-Keuangan Non-Financial Liabilities
Utang Pajak 45.275 124.820 (79.545) -63,73 Taxes Payable
Pendapatan Diterima 17.067 16.026 1.041 6,50 Unearned Income
di Muka
Kewajiban Imbalan 118.466 96.159 22.307 23,20 Post-Employment
Pasca-Kerja Benefits Obligation
Estimasi Kerugian 9.960 4.497 5.463 121,48 Estimated Losses on
atas Komitmen dan Commitment and
Kontinjensi Contingencies
Total Liabilitas Non- 190.768 241.502 (50.734) -21,01 Total Non-Financial
Keuangan Liabilities
Total Liabilitas 35.820.423 36.087.861 (267.438) -0,74 Total Liabilities
LIABILITAS KEUANGAN FINANCIAL LIABILITIES
Liabilitas Segera Current Liabilities
Pada tahun 2023, liabilitas segera Bank Hana Hana Bank’s current liabilities in 2023 reached
mencapai Rp182,42 miliar. Dibandingkan tahun Rp182.42 billion. Compared to 2022, which
2022 yang sebesar Rp124,41 miliar, terjadi kenaikan amounted to Rp124.41 billion, there was an increase
46,63% atau sebesar Rp58,01 miliar. Kondisi of 46.63% or Rp58.01 billion. This condition is
ini terutama dipengaruhi oleh meningkatnya primarily influenced by the increase in liabilities
kewajiban terkait transaksi remittance dan ATM related to remittance and ATM transactions,
masing-masing sebesar Rp119,53 miliar dan Rp2,24 amounting to Rp119.53 billion and Rp2.24 billion
miliar. respectively.
Simpanan Nasabah Deposits from Customers
Simpanan nasabah Bank Hana tahun 2023 tercatat Hana Bank’s customer deposits in 2023 were
sebesar Rp26,23 triliun, turun 2,47% dibandingkan recorded at Rp26.23 trillion, a decrease of 2.47%
tahun 2022, yakni Rp26,89 triliun. Kondisi ini compared to 2022, which amounted to Rp26.89
terutama dipengaruhi oleh penurunan pada giro trillion. This condition is primarily influenced by the
dalam mata uang Rupiah dan Dolar Amerika decrease in demand deposits in Indonesian Rupiah
Serikat, masing-masing sebesar 23,97% atau Rp1,40 and US Dollars, by 23.97% or Rp1.40 trillion and
triliun dan 20,63% atau sebesar Rp946,76 miliar. 20.63% or Rp946.76 billion respectively. In line with
Sejalan dengan penurunan ini, terdapat kenaikan this decrease, there was also an increase in time
pula pada deposito dalam mata uang Rupiah dan deposits in Indonesian Rupiah and US Dollars, by
Dolar Amerika Serikat masing-masing sebesar 16.77% or Rp1.64 trillion and 1.10% or Rp57.57 billion
16,77% atau sebesar Rp1,64 triliun dan 1,10% atau respectively.
sebesar Rp57,57 miliar.
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Simpanan dari Bank Lain Deposits from Other Banks
Simpanan dari bank lain yang dimiliki Bank Hana Bank’s deposits from other banks in 2023
Hana tahun 2023 mencapai Rp4,75 triliun, terjadi reached Rp4.75 trillion, a decrease of 12.27%
penurunan 12,27% dibandingkan tahun 2022 compared to 2022, which amounted to Rp5.41
yang sebesar Rp5,41 triliun. Kondisi ini terutama trillion. This condition is primarily influenced by
dipengaruhi oleh menurunnya interbank call the decrease in interbank call money and demand
money dan giro dalam mata uang Dolar Amerika deposits in US Dollars, by -10.09% or Rp518.18 billion
Serikat masing-masing sebesar -10,09% atau and -51.26% or Rp95.44 billion respectively.
Rp518,18 miliar dan -51,26% atau Rp95,44 miliar.
Liabilitas Akseptasi Acceptance Payable
Liabilitas akseptasi Bank Hana tahun 2023 Hana Bank’s acceptance payable in 2023 reached
mencapai Rp1,31 triliun. Dibandingkan tahun 2022 Rp1.31 trillion. Compared to 2022, which amounted
yang sebesar Rp1,36 triliun, terjadi penurunan to Rp1.36 trillion, there was a decrease of -4.05%
-4,05% atau Rp55,08 miliar. Kondisi ini terutama or Rp55.08 billion. This condition is primarily
dipengaruhi oleh menurunnya liabilitas akseptasi influenced by the decrease in acceptance liabilities
pada mata uang Dolar Amerika Serikat dan Rupiah in US Dollars and Indonesian Rupiah, by -3.40%
masing-masing sebesar -3,40% atau Rp45,04 miliar or Rp45.04 billion and -27.04% or Rp10.02 billion
dan -27,04% atau Rp10,02 miliar. respectively.
Pinjaman yang Diterima Borrowings
Pinjaman yang diterima Bank Hana tahun 2023 Hana Bank’s borrowings in 2023 reached Rp2.58
mencapai Rp2,58 triliun, meningkat 364,97% trillion, an increase of 364.97% or Rp2.02 trillion
atau sebesar Rp2,02 triliun dibandingkan tahun compared to Rp554.58 billion in 2022. This condition
2022 yang sebesar Rp554,58 miliar. Kondisi ini was influenced by the Bank obtaining new loan
dipengaruhi oleh Bank yang memperoleh fasilitas facilities during 2023 in US Dollars amounting to
pinjaman baru selama tahun 2023 dalam mata Rp2.08 trillion.
uang Dolar Amerika Serikat sebesar Rp2,08 triliun.
Surat Berharga yang Diterbitkan Securities Issued
Surat berharga yang diterbitkan Bank Hana telah All securities issued by Bank Hana were fully
dilunasi seluruhnya pada tahun 2023. Pada akhir redeemed in 2023. At the end of 2023, Bank Hana
tahun 2023, Bank Hana telah melakukan pelunasan had redeemed the IDR Hana Bank I Year 2016
atas Obligasi Subordinasi IDR Hana Bank I Tahun Subordinated Bonds and the USD Hana Bank I
2016 dan Obligasi Subordinasi USD Hana Bank Year 2016 Subordinated Bonds issued, namely
I Tahun 2016 yang diterbitkan, yaitu Obligasi Subordinated Bonds amounting to Rp244 billion
Subordinasi sebesar Rp244 miliar dan Obligasi and Subordinated Bonds USD47,500,000 (at face
Subordinasi USD47.500.000 (dalam nilai penuh) value) maturing on December 21, 2023.
yang jatuh tempo pada 21 Desember 2023.
LIABILITAS NON-KEUANGAN NON-FINANCIAL LIABILITIES
Utang Pajak Taxes Payable
Pada tahun 2023, utang pajak Bank Hana mencapai Hana Bank’s taxes payable in 2023 reached Rp45.28
Rp45,28 miliar, menurun 63,73% dibandingkan billion, a decrease of 63.73% compared to 2022,
tahun 2022 yang sebesar Rp124,82 miliar. Kondisi which amounted to Rp124.82 billion. This condition
ini dipengaruhi oleh menurunnya taksiran utang was influenced by the decrease in the estimated
pajak penghasilan badan sebesar -81,54% atau corporate income tax debt by -81.54% or Rp84.42
Rp84,42 miliar. billion.
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Pendapatan Diterima di Muka Unearned Income
Pendapatan diterima di muka Bank Hana tahun Hana Bank’s unearned income in 2023 reached
2023 sebesar Rp17,07 miliar, naik 6,50% atau Rp1,04 Rp17.07 billion, an increase of 6.50% or Rp1.04 billion
miliar dibandingkan tahun 2022, yaitu Rp16,03 compared to 2022, which amounted to Rp16.03
miliar. billion.
Kewajiban Imbalan Pasca Kerja Post-Employment Benefit Obligations
Pada tahun 2023, kewajiban imbalan pasca-kerja In 2023, Hana Bank’s post-employment benefit
Bank Hana senilai Rp118,47 miliar. Dibandingkan obligations amounted to Rp118.47 billion. Compared
tahun 2022 yang mencapai Rp96,16 miliar, terjadi to 2022, which reached Rp96.16 billion, there was an
peningkatan 23,20% atau Rp22,31 miliar. Kondisi increase of 23.20% or Rp22.31 billion. This condition
ini dipengaruhi oleh kenaikan pada pencadangan was influenced by an increase in severance pay
pesangon. reserves.
EKUITAS EQUITY
Total ekuitas Bank Hana pada tahun 2023 mencapai Hana Bank’s total equity in 2023 reached Rp11.06
Rp11,06 triliun. Dibandingkan posisi yang 2022 yang trillion. Compared to the position in 2022, which
sebesar Rp10,61 triliun, terjadi kenaikan 4,26% atau amounted to Rp10.61 trillion, there was an increase
Rp451,89 miliar. Kondisi ini terutama dipengaruhi of 4.26% or Rp451.89 billion. This condition was
oleh kenaikan saldo laba yang belum ditentukan primarily influenced by the increase in undistributed
penggunaannya sebesar 7,54% atau Rp450,54 profit balances by 7.54% or Rp450.54 billion.
miliar.
(dalam jutaan rupiah, kecuali dinyatakan lain)
(in million rupiah, unless stated otherwise)
Pertumbuhan
Uraian 2023 2022 Growth Description
Rp %
Modal Saham - Nilai Capital Stock Rp1,000
Nominal Rp1.000 per Par Value per Share
Saham (Nilai Penuh) (Full Amount)
Modal Dasar - Authorized Capital –
4.600.000.000 Saham 4,600,000,000 Shares
Modal Ditempatkan 3.160.093 3.160.093 0 0 Issued and Fully Paid
dan Disetor Penuh - Capital –
3.160.092.563 Saham 3,160,092,563 Shares
Agio Saham 1.453.275 1.453.275 0 0 Additional Paid-in
Capital
Penghasilan (9.098) (10.448) 1.350 12,92 Other Comprehensive
Komprehensif Lain – Income - Net
Neto
Saldo Laba Retained Earnings
Telah Ditentukan 30.120 30.120 0 0 Appropriated
Penggunaannya
Belum Ditentukan 6.429.053 5.978.514 450.539 7,54 Unappropriated
Penggunaannya
Total Ekuitas 11.063.443 10.611.554 451.889 4,26 Total Equity
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 135
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LAPORAN LABA RUGI DAN STATEMENTS OF PROFIT AND LOSS
PENGHASILAN KOMPREHENSIF AND OTHER COMPREHENSIVE
LAIN INCOME
(dalam jutaan rupiah, kecuali dinyatakan lain)
(in million rupiah, unless stated otherwise)
Pertumbuhan
Uraian 2023 2022 Growth Description
Rp %
Pendapatan dan Beban Operasional Operating Income and Expenses
Pendapatan Bunga 3.043.034 2.506.093 536.941 21,43 Interest Income
Beban Bunga (1.318.847) (709.980) 527.867 66,74 Interest Expense
Pendapatan Bunga 1.724.187 1.796.113 (71.926) -4,00 Interest Income – Net
– Neto
Pendapatan Operasional Lainnya Other Operating Income
Provisi dan Komisi 126.771 168.653 (41.882) -24,83 Fees and
selain dari Kredit Commissions Not
Related to Loans
Keuntungan 72.412 52.703 19.709 37,40 Gain on Foreign
Transaksi Mata Uang Exchange - Net
Asing - Neto
Keuntungan 38.774 34.725 4.049 11,66 Gain on Sale of
Penjualan Efek-Efek Securities
Keuntungan/ 5.665 (1.474) 7.139 -484,33 Gain/Loss from
Kerugian dari Changes in Fair
Perubahan Nilai Value of Financial
Wajar atas Instrumen Instruments at Fair
Keuangan yang Value
Diukur pada Nilai Through Profit or
Wajar Melalui Laba Loss - Net
Rugi - Neto
Lain-lain - Neto (12.319) (37.551) 25.232 -67,19 Others – Net
Total Pendapatan 231.303 217.056 14.247 6,56 Total Other
Operasional Lainnya Operating Income
Cadangan Kerugian (54.024) (302.432) (248.408) -82,14 Allowance for
Penurunan Nilai Impairment Losses
Beban Operasional Other Operating
Lainnya Expenses
Beban Umum dan (786.553) (674.372) 112.181 16,63 General and
Administrasi Administrative
Expense
Beban Tenaga Kerja (503.921) (445.404) 58.517 13,14 Personnel Expenses
Total Beban (1.290.474) (1.119.776) 170.698 15,24 Total Other
Operasional Lainnya Operating Expenses
Laba Operasional 610.992 590.961 20.031 3,39 Operating Income
Pendapatan (Beban) Non-Operasional Non-Operating Income (Expense)
Keuntungan/ (683) (6.930) (6.247) -90,14 Gain/(Loss) on Sale
(Kerugian) Penjualan and Writeoff
dan Penghapusan of Fixed Assets – Net
Aset Tetap - Neto
Lain-lain - Neto 6.252 14.446 (8.194) -56,72 Others – Net
Pendapatan Non- 5.569 7.516 (1.947) -25,90 Non-Operating
Operasional - Neto Income - Net
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(dalam jutaan rupiah, kecuali dinyatakan lain)
(in million rupiah, unless stated otherwise)
Pertumbuhan
Uraian 2023 2022 Growth Description
Rp %
Laba Sebelum Beban 616.561 598.477 18.084 3,02 Income Before Tax
Pajak Expense
Beban Pajak (163.352) (140.883) 22.469 15,95 Tax Expense
Laba Bersih 453.209 457.594 (4.385) -0,96 Net Income
Penghasilan Komprehensif Lain Other Comprehensive Income
Pos yang Tidak akan (2.670) 3.587 (6.257) -174,44 Item that Will Not Be
Direklasifikasi ke Reclassified to Profit
Laba Rugi of Loss
Pos yang akan 1.350 (98.886) 100.236 -101,37 Item that Will Be
Direklasifikasi ke Reclassified to Profit
Laba Rugi of Loss
Penghasilan (1.320) (95.299) (93.979) -98,61 Other
Komprehensif Lain Comprehensive
- Neto Income – Net
Laba Komprehensif 451.889 362.295 89.594 24,73 Comprehensive
Tahun Berjalan Income for the Year
Laba per Saham 143.42 144,80 (1.38) -0.95 Basic Earnings per
Dasar (Nilai Penuh) Share (Full Amount)
Pendapatan Bunga – Neto Net Interest Income
Pada tahun 2023, Bank Hana mencatat pendapatan In 2023, Hana Bank recorded net interest income of
bunga - neto Bank Hana sebesar Rp1,72 triliun lebih Rp1.72 trillion, a decrease of 4.00% or Rp71.93 billion
rendah 4,00% atau Rp71,93 miliar dibandingkan compared to 2022, which was Rp1.80 trillion. This
tahun 2022, yaitu Rp1,80 triliun. Kondisi ini condition was influenced by a 66.74% increase in
dipengaruhi oleh kenaikan beban bunga sebesar interest expenses, amounting to Rp527.867 billion
66,74% atau Rp527,867 miliar apabila dibandingkan compared to the previous year.
dengan tahun sebelumnya.
Pendapatan Operasional Lainnya Other Operating Income
Pendapatan operasional lainnya Bank Hana Hana’s Bank other operating income in 2023
tahun 2023 mencapai Rp231,30 miliar, mengalami reached Rp231.30 billion, experiencing an increase
kenaikan 6,56% atau Rp14,25 miliar dibandingkan of 6.56% or Rp14.25 billion compared to 2022,
tahun 2022 yang sebesar Rp217,06 miliar. Kondisi ini which was Rp217.06 billion. This condition was
secara signifikan dipengaruhi oleh meningkatnya significantly affected by a 37.40% increase in net
keuntungan transaksi mata uang asing - neto foreign exchange transaction gains, amounting to
sebesar 37,40% atau Rp19,71 miliar apabila Rp19.71 billion compared to the previous year.
dibandingkan dengan tahun sebelumnya.
Laba Operasional Operating Profit
Bank Hana membukukan laba operasional tahun Hana Bank reported an operating profit of Rp610.99
2023 sebesar Rp610,99 miliar. Dibandingkan tahun billion in 2023. Compared to 2022, which was
2022, yakni Rp590,96 miliar, terjadi kenaikan 3,39% Rp590.96 billion, there was an increase of 3.39% or
atau Rp20,03 miliar. Kondisi ini dipengaruhi oleh Rp20.03 billion. This condition was influenced by an
penurunan pada cadangan kerugian penurunan 82.14% decrease in provisions for impairment losses
nilai aset keuangan sebesar 82,14% atau Rp248,41 on financial assets, amounting to Rp248.41 billion.
miliar.
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Laba Sebelum Beban Pajak Profit Before Tax
Laba sebelum beban pajak Bank Hana tahun The profit before tax of Hana Bank in 2023 reached
2023 mencapai Rp616,56, naik 3,02% atau Rp18,08 Rp616.56 billion, an increase of 3.02% or Rp18.08
miliar dibandingkan tahun 2022 yang sebesar billion compared to 2022, which was Rp598.48
Rp598,48 miliar. Kenaikan pada laba operasional billion. The increase in operating profit and other
dan peningkatan pendapatan operasional lainnya operating income affected the pre-tax profit of the
memengaruhi perolehan laba sebelum pajak Bank. Bank.
Beban Pajak Tax Expense
Total beban pajak Bank Hana tahun 2023 mencapai The total tax expense of Hana Bank in 2023 reached
Rp163,35 miliar, lebih tinggi 15,95% atau Rp22,47 Rp163.35 billion, higher by 15.95% or Rp22.47 billion
miliar dibandingkan tahun 2022 yang sebesar compared to 2022, which was Rp140.88 billion. This
Rp140,88 miliar. Kondisi ini terutama dipengaruhi condition was mainly influenced by the increase in
oleh peningkatan beban pajak tangguhan Bank. deferred tax expenses of the Bank.
Laba Bersih Net Profit
Bank Hana berhasil membukukan laba bersih Hana Bank achieved a net profit of Rp453.21 billion,
sebesar Rp453,21 miliar, lebih rendah 0,96% which was 0.96% lower than 2022, which was
dibandingkan tahun 2022 yang Rp457,59 miliar. Rp457.59 billion. This condition was influenced by
Kondisi ini dipengaruhi oleh meningkatnya the increase in other operating income and the
pendapatan operasional lainnya dan menurunnya decrease in provisions for impairment losses.
cadangan kerugian penurunan nilai.
Penghasilan Komprehensif Lain - Neto Other Comprehensive Income - Net
Penghasilan komprehensif lain - neto Bank Hana Hana Bank’s other comprehensive income -
tahun 2023 mencapai Rp1,32 miliar, menurun net in 2023 reached Rp1.32 billion, a decrease of
98,61% atau Rp93,98 miliar dibandingkan tahun 98.61% or Rp93.98 billion compared to 2022, which
2022 yang sebesar Rp95,30 miliar. Kondisi ini was Rp95.30 billion. This condition was mainly
terutama dipengaruhi oleh perubahan nilai wajar influenced by changes in the fair value of financial
efek-efek yang diukur pada nilai wajar melalui instruments measured at fair value through other
penghasilan komprehensif lain. comprehensive income.
Laba Komprehensif Tahun Berjalan Year-to-Date Comprehensive Income
Pada akhir tahun buku 2023, laba komprehensif At the end of the 2023 fiscal year, Hana Bank’s
tahun berjalan Bank Hana tercatat mencapai year-to-date comprehensive income amounted
Rp451,89 miliar. Dibandingkan tahun 2022 yang to Rp451.89 billion. Compared to 2022, which was
sebesar Rp362,30 miliar, terjadi kenaikan 24,73% Rp362.30 billion, there was an increase of 24.73% or
atau Rp89,59 miliar. Rp89.59 billion.
LAPORAN ARUS KAS CASH FLOW STATEMENT
(dalam jutaan rupiah, kecuali dinyatakan lain)
(in million rupiah, unless stated otherwise)
Pertumbuhan
Uraian 2023 2022 Growth Description
Rp %
Arus Kas (Digunakan (2.528.639) 1.248.272 (3.776.911) (302,57) Cash Flows (Used in)
untuk) Diperoleh dari Provided by
Aktivitas Operasi Operating Activities
Arus Kas (Digunakan (82.098) (13.721) 68.377 498,34 Cash Flows (Used in)
untuk) Aktivitas Investing Activities
Investasi
Arus Kas Diperoleh dari 966.759 449.058 517.701 115,29 Cash Flows Provided
Aktivitas Pendanaan by Financing Activities
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Arus Kas (Digunakan untuk)/ Diperoleh dari Cash Flow (Used for) / Generated from
Aktivitas Operasi Operating Activities
Kas bersih yang digunakan untuk aktivitas operasi The net cash used for operating activities by Hana
Bank Hana tahun 2023 mencapai Rp2,5 triliun, naik Bank in 2023 amounted to Rp2.5 trillion, an increase
302,57% atau Rp3,78 triliun dibandingkan dengan of 302.57% or Rp3.78 trillion compared to the net cash
kas bersih yang diperoleh dari aktivitas operasi generated from operating activities in 2022, which
tahun 2022 yaitu sebesar Rp1,25 triliun. Kondisi was Rp1.25 trillion. This condition was primarily
ini terutama dipengaruhi oleh meningkatnya influenced by the increased decrease in operating
penurunan aset operasi dari efek-efek yang assets from financial instruments measured at fair
diukur pada nilai wajar melalui laba rugi yaitu value through profit or loss, amounting to 111.38% or
sebesar 111,38% atau Rp1,48 triliun, meningkatnya Rp1.48 trillion, the increased decrease in operating
penurunan liabilitas operasi dari simpanan liabilities from customer deposits by 236.49%
nasabah sebesar 236,49% atau Rp1,15 triliun, dan or Rp1.15 trillion, and the increased decrease in
meningkatnya penurunan liabilitas operasi dari operating liabilities from deposits from other banks
simpanan dari bank lain sebesar 131,45% atau by 131.45% or Rp2.78 trillion.
Rp2,78 triliun.
Arus Kas (Digunakan untuk) Aktivitas Investasi Cash Flow (Used for) Investing Activities
Kas bersih yang digunakan untuk aktivitas The net cash used for investing activities in 2023
investasi tahun 2023 mencapai Rp82,10 miliar. amounted to Rp82.10 billion. Compared to 2022,
Dibandingkan tahun 2022 yang sebesar Rp13,72 which was Rp13.72 billion, there was an increase
miliar, mengalami kenaikan 498,34% atau Rp68,38 of 498.34% or Rp68,38 billion. This condition was
miliar. Kondisi ini terutama dipengaruhi oleh primarily influenced by the decreased receipts
menurunnya penerimaan dari penjualan efek-efek from the sale of financial instruments measured at
yang diukur pada nilai wajar melalui penghasilan fair value through other comprehensive income by
komprehensif lain sebesar 57,47% atau Rp143,04 57.47% or Rp143.04 billion, the decrease in receipts
miliar, penurunan atas penerimaan efek-efek yang from maturing financial instruments by 58.43%
jatuh tempo sebesar 58,43% atau Rp513,23 miliar. or Rp513.23 billion. Along with this decrease, the
Sejalan dengan penurunan tersebut, pembelian purchase of financial instruments measured at
efek-efek yang diukur pada nilai wajar melalui fair value through other comprehensive income
penghasilan komprehensif lain dan biaya perolehan and the amortized acquisition costs decreased
yang diamortisasi mengalami penurunan sebsar by 59.23% or Rp602.98 billion compared to the
59,23% atau Rp602,98 miliar, apabila dibandingkan previous year.
dengan tahun sebelumnya.
Arus Kas Diperoleh dari Aktivitas Pendanaan Cash Flow Generated from Financing Activities
Kas bersih yang diperoleh dari aktivitas The net cash generated from financing activities
pendanaan tahun 2023 mencapai Rp966,76 miliar. in 2023 amounted to Rp966.76 billion. Compared
Dibandingkan tahun 2022 yang sebesar Rp449,06 to 2022, which was Rp449.06 billion, there was an
miliar, mengalami kenaikan 115,29% atau Rp517,70 increase of 115.29% or Rp517.70 billion. This condition
miliar. Kondisi ini terutama dipengaruhi oleh was primarily influenced by the increased receipts
meningkatnya perolehan pinjaman yang diterima from loans received by 274.81% or Rp1.52 trillion.
sebesar 274,81% atau Rp1,52 triliun. Selain itu, Additionally, at the end of 2023, the Bank used net
pada akhir tahun 2023, Bank menggunakan kas cash to redeem issued securities amounting to
bersih untuk melakukan pelunasan efek yang Rp981.44 billion, thus the Bank had no obligation to
diterbitkan sebesar Rp981,44 miliar, sehingga Bank repurchase the issued securities.
tidak memiliki kewajiban kembali atas efek yang
diterbitkan.
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TINGKAT KESEHATAN BANK BANK HEALTH LEVEL
Pengukuran tingkat kesehatan Bank Hana Hana Bank’s health level is measured using a risk-
menggunakan pendekatan risiko (risk–based bank based bank rating approach in accordance with
rating), sesuai dengan Peraturan Otoritas Jasa Financial Services Authority Regulation No. 4/
Keuangan No. 4/POJK.03/2016 tanggal 26 Januari POJK.03/2016 dated January 26, 2016 concerning
2016 tentang Penilaian Tingkat Kesehatan Bank Assessment of the Soundness Level of Commercial
Umum. Dengan demikian, tingkat kesehatan Banks. Thus, the Bank’s health level is the result
Bank merupakan hasil penilaian atas kondisi Bank of an assessment of the Bank’s condition, which
yang diukur melalui penilaian terhadap risiko dan is measured through an assessment of risk and
kinerja. performance.
Penilaian tingkat kesehatan bank umum The assessment of the soundness level of
mencakup 4 (empat) faktor, yaitu: Profil Risiko; commercial banks includes 4 (four) factors, namely:
Good Corporate Governance (GCG); Rentabilitas Risk Profile; Good Corporate Governance (GCG);
(Earnings); dan Permodalan (Capital). Profitability (Earnings); and Capital.
Berdasarkan hasil self-assessment pada tahun Based on the results of the self-assessment in
2023, hasil penilaian Tingkat Kesehatan Bank Hana 2023, the results of the assessment of Bank Hana’s
berada pada peringkat komposit 2. Peringkat ini Health Level are at a composite rating of 2. This
mencerminkan kondisi Bank secara umum dinilai rating reflects the Bank’s condition in general is
mampu menghadapi pengaruh negatif yang considered capable of facing significant negative
signifikan dari perubahan kondisi bisnis dan faktor effects from changes in business conditions and
eksternal lainnya. other external factors.
Secara rinci, nilai Profil Risiko, GCG dan Rentabilitas In detail, the Risk Profile, GCG and Profitability
adalah peringkat 2, dan untuk faktor Permodalan scores are rated 2, and for the Capital factor at rating
pada peringkat 1, selaras dengan permodalan Bank 1, in line with the Bank’s capital which is considered
yang dinilai kuat. strong.
KEMAMPUAN MEMBAYAR UTANG SOLVENCY AND LIQUIDITY
Kemampuan Bank Hana dalam memenuhi Hana Bank”s ability to fulfill its obligations is
kewajibannya, ditunjukkan oleh sejumlah rasio demonstrated by a number of financial ratios,
keuangan, yang antara lain seperti diuraikan di including those described below:
bawah ini.
KINERJA RASIO KEUANGAN FINANCIAL RATIO PERFORMANCE
(dalam %) | (in %)
Uraian 2023 2022 Description
Rasio Pengembalian Aset 1,34 1,35 Return on Assets (ROA)
Rasio Pengembalian 4,42 4,66 Return on Equity (ROE)
Ekuitas
Rasio Pinjaman terhadap 128,27 120,66 Loan to Deposit Ratio
Simpanan Masyarakat (LDR)
Margin Bunga Bersih 4,33 4,60 Net Interest Margin (NIM)
Rasio Kecukupan Modal 28,35 26,56 Capital Adequacy Ratio
Minimum (KPMM) (CAR)
Biaya Operasional 81,90 79,24 Operating Cost to
terhadap Pendapatan Operating Income
Operasional (BOPO) (BOPO)
Rasio Kredit Bermasalah 0,86 0,94 Non-Performing Loans
– Bruto (NPL) - Gross
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Rasio Likuiditas Liquidity Ratio
Rasio likuiditas menggambarkan kemampuan The liquidity ratio depicts the Bank’s ability to meet
Bank memenuhi kewajiban jangka pendek. Pada short-term obligations. In 2023, the loan to deposit
tahun 2023, rasio loan to deposit ration tercatat ratio was recorded at 128.27%. Compared to 2022,
sebesar 128,27%. Dibandingkan tahun 2022 yang which was 120.66%, there was an increase of 6.31%.
120,66%, terjadi peningkatan 6,31%. Perkembangan This development indicates that the Bank’s ability
ini menunjukan bahwa kemampuan Bank to meet short-term obligations is improving.
memenuhi kewajiban jangka pendek semakin
baik.
Rasio Solvabilitas Solvency Ratio
Rasio solvabilitas mengindikasikan kemampuan The solvency ratio indicates the Bank’s ability to
Bank memenuhi kewajibannya, baik untuk jangka fulfill its obligations, both in the short and long term.
pendek maupun jangka panjang. Rasio solvabilitas Hana Bank’s solvency ratio is measured based on
Bank Hana diukur berdasarkan rasio Kewajiban the capital adequacy ratio (KPMM) to ensure that
Penyediaan Modal Minimum (KPMM) untuk credit risk, market risk, and operational risk are met.
memastikan terpenuhinya risiko kredit, risiko pasar,
dan risiko operasional.
Pada tahun 2023, rasio KPMM Bank Hana mencapai In 2023, Hana Bank’s KPMM ratio reached 28.35%.
28,35%. Dibandingkan dengan tahun 2022 yang Compared to 2022, which was 26.56%, there was an
sebesar 26,56%, terjadi kenaikan 6,75%. Dengan increase of 6.75%. With this condition, it indicates
kondisi tersebut menunjukkan bahwa Bank that the Bank is able to maintain capital and has
mampu menjaga modal dan memiliki kecukupan sufficient capital to minimize solvency risks.
modal untuk meminimalisir risiko solvabilitas
Rasio Profitabilitas Profitability Ratio
Rasio profitabilitas Bank Hana diukur berdasarkan Hana Bank’s profitability ratios are measured based
rasio return on asset (ROA), return on equity (ROE), on the return on assets (ROA), return on equity
net interest margin (NIM), dan beban operasional (ROE), net interest margin (NIM), and operating
terhadap pendapatan operasional (BOPO). Pada expenses to operating income (BOPO) ratios. In
tahun 2023, rasio-rasio tersebut masing-masing 2023, these ratios were 1.34%, 4.42%, 4.33%, and
1,34%, 4,42%, 4,33%, dan 81,9%. 81.9%, respectively.
Tingkat Kolektibiliitas Piutang Receivables Turm Over Ratio
Rasio kredit bermasalah Bank Hana tahun 2023 Hana Bank’s non-performing loan ratio in 2023 was
tercatat sebesar 0,86, menurun dibandingkan 0.86%, a decrease compared to 2022 of 0.94%.
tahun 2022 sebesar 0,94
Kredit Berdasarkan Tingkat Kolektibilitas Loan Based on Collectibility Level
(dalam %) | (in %)
Uraian 2023 2022 Description
Lancar 33.500.914 32.195.816 Pass
Dalam Perhatian Khusus 534.123 147.977 Special Mention
Kurang Lancar 53.391 12.300 Substandard
Diragukan 9.423 9.686 Doubtful
Macet 226.200 284.330 Loss
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DAMPAK NILAI TUKAR MATA UANG IMPACT OF FOREIGN EXCHANGE
ASING RATES
Bank Hana merupakan bank devisa yang dalam Hana Bank’s is a foreign exchange bank whose
transaksinya tidak terbatas pada mata uang rupiah, transactions are not limited to rupiah currency
melainkan juga valuta asing. Dengan demikian, but also foreign currency. Thus, ever-changing
pergerakan nilai tukar mata uang asing yang selalu movements in foreign currency exchange rates have
berubah berpotensi mempengaruhi kinerja Bank the potential to affect Hana Bank’s performance.
Hana.
Untuk tahun 2023, dampak nilai tukar mata uang In 2023, the impact of foreign exchange rates on the
asing terhadap kinerja Bank ditunjukkan melalui Bank’s performance is shown in the table below:
tabel di bawah.
(dalam %) | (in %)
Uraian 2023 2022 Description
Perubahan Persentase ±1 ±1 Percentage Change
Nilai Tukar Mata Uang in Foreign Currency
Asing (%) Exchange Rates (%)
Pengaruh ke Laba Rugi ±118,25 ±450,39 Impact on Profit/Loss
SUKU BUNGA DASAR KREDIT PRIME LENDING RATE
Bank Hana menggunakan Suku Bunga Dasar Hana Bank uses the prime lending rate (SBDK) as
Kredit (SBDK) sebagai dasar untuk menetapkan the basis for determining loan interest rates for
suku bunga kredit bagi nasabah. Perhitungan customers. This prime lending rate calculation does
SBDK ini belum mempertimbangkan komponen not yet take into consideration the estimated risk
estimasi premi risiko yang nilainya bergantung premium component, the value of which depends
pada penilaian Bank terhadap risiko untuk masing- on the Bank’s assessment of the risk for each debtor
masing debitur atau kelompok debitur. or group of debtors.
Dengan demikian, besarnya suku bunga kredit Thus, the loan interest rate charged to debtors is
yang dikenakan kepada debitur belum tentu sama not necessarily the same as the prime lending rate.
dengan SBDK. Per 31 Desember 2023, SBDK Bank In 31 December 2023, Hana Bank’s prime lending
Hana berdasarkan segmen kredit diungkapkan rate (SBDK) based on credit segments is disclosed
dalam tabel berikut: in the following table:
Suku Bunga Dasar Kredit Rupiah
Rupiah Prime Lending Rate
Kredit Konsumsi KPR
Kredit Kredit Kredit Housing Consumption
Uraian Description
Korporasi Ritel Mikro Loan
Corporate Retail Micro Non-KPR
Loan Loan Loan KPR
Non-
Housing
Housing
Suku Bunga Prime Lending
6,50% 7,50% 8,00% 7,50% 10,25%
Dasar Kredit (%) Rate (%)
DAMPAK PERUBAHAN TINGKAT IMPACT OF CHANGES IN INTEREST
SUKU BUNGA TERHADAP KINERJA RATES ON BANK PERFORMANCE
BANK
Perubahan tingkat suku bunga yang memengaruhi Changes in interest rates that have influenced
kinerja Bank Hana dalam 2 (dua) tahun terakhir Hana Bank’s performance in the last 2 (two) years
diungkapkan pada tabel berikut: are revealed in the following table:
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(dalam %) | (in %)
Uraian 2023 2022 Description
Perubahan (Basis Poin) ±50 ±50 Changes in Point Basis
Dampak ke Laba Rugi ±28,16 ±16,96 Impact on Profit/Loss
(miliar) (billion)
Dampak ke Ekuitas ±77,24 ±111,41 Impact on Equity
(miliar) (billion)
STRUKTUR MODAL CAPITAL STRUCTURE
Kebijakan Struktur Modal Capital Structure Policy
Bank Hana menetapkan kebijakan terhadap Hana Bank determines policies regarding the
struktur modal Bank, terutama mengacu pada Bank’s capital structure, especially referring to
berdasarkan Peraturan Otoritas Jasa Keuangan Financial Services Authority Regulation No. 34/
No. 34/POJK.03/2016 tanggal 22 September 2016 POJK.03/2016 dated September 22, 2016 concerning
tentang Perubahan atas Peraturan Otoritas Jasa Amendments to Financial Services Authority
Keuangan No. 11/POJK.03/2016 tentang Kewajiban Regulation No. 11/POJK.03/2016 concerning
Penyediaan Modal Minimum Bank Umum. Minimum Capital Requirements for Commercial
Banks.
Kebijakan tersebut digunakan sebagai bahan This policy is used as a consideration in preparing
pertimbangan dalam penyusunan Rencana Bisnis the bank Business Plan (RBB). Apart from that, it
Bank (RBB). Selain itu, digunakan juga untuk is also used to ensure that the Bank has a strong
memastikan bahwa Bank memiliki struktur modal capital structure and sound capital ratios in order
yang kuat dan rasio modal yang sehat dalam rangka to ensure business continuity in the future.
kesinambungan usaha di masa mendatang.
Bank Hana menyediakan modal minimum Hana Bank provides minimum capital based on
berdasarkan profil risiko yang berlaku saat ini, the current risk profile, namely 9% to less than 10%
yakni 9% sampai dengan kurang dari 10% dari of risk-weighted assets (RWA), in accordance with
Aset Tertimbang Menurut Risiko (ATMR) sesuai Financial Services Authority Regulations. In 2023,
dengan Peraturan Otoritas Jasa Keuangan. Selama Hana Bank had achieved the capital provisions.
tahun 2023, Bank Hana telah mencapai ketentuan
penyediaan modal tersebut.
Rincian Struktur Modal Capital Structure Details
Pada tahun 2023, total modal Bank Hana mencapai In 2023, Hana Bank’s total capital reached Rp10.85
Rp10,85 triliun. Rincian dari struktur modal tersebut trillion. Details of the capital structure are presented
disampaikan melalui tabel berikut: in the following table.
(dalam jutaan rupiah, kecuali dinyatakan lain)
(in million rupiah, unless stated otherwise)
Uraian 2023 2022 Description
Modal Inti (Tier 1) Core Capital (Tier 1)
Modal Inti Utama (CET 1) 10.491.003 9.944.686 Primary Core Capital (CET 1)
Modal Inti Tambahan - - Supplementary Core
(AT - 1) Capital (AT -1)
Total Modal Inti 10.491.003 9.944.686 Total Core Capital
Modal Pelengkap (Tier 2) 362.785 357.776 Supplementary Capital
(Tier 2)
Total Modal 10.853.788 10.302.462 Total Capital
Aset Tertimbang Menurut Risiko Risk Weighted Asset (RWA)
ATMR Risiko Kredit 36.341.717 34.881.140 RWA for Credit Risk
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ATMR Risiko Pasar 86.114 53.771 RWA for Market Risk
ATMR Risiko Operasional 1.854.798 3.855.250 RWA for Operational Risk
Total ATMR 38.282.629 38.790.161 Total RWA
Rasio KPMM CAR Ratio
Rasio CET 1 (%) 27,40 25,64 CET 1 Ratio (%)
Rasio Tier 1 (%) 27,40 25,64 Tier 1 Ratio (%)
Rasio Tier 2 (%) 0,95 0,92 Tier 2 Ratio (%)
Rasio KPPM Total (%) 28,35 26,56 Total CAR Ratio (%)
Rasio KPPM sesuai Profil 9,18 9,48 CAR in Risk Profile (%)
Risiko (%)
INVESTASI BARANG MODAL CAPITAL GOODS INVESTMENT
Tujuan Investasi Barang Modal Capital Goods Investment Objectives
Investasi barang modal merupakan aktivitas Capital goods investment is the activity of using
pengeluaran dana yang digunakan untuk membeli funds to purchase a number of assets or investments
sejumlah aset atau investasi yang diharapkan that are expected to provide beneficial value in the
dapat memberikan nilai manfaat di masa depan. future. Most of the investments made by Hana
Sebagian besar investasi yang dilakukan Bank Bank are aimed at increasing the effectiveness and
Hana bertujuan untuk mendorong efektivitas dan efficiency of banking operational activities.
efisiensi kegiatan operasional perbankan.
Jenis dan Nilai Investasi Barang Modal Types and Value of Capital Goods Investment
Bank Hana melakukan investasi barang modal Hana Bank makes capital goods investments in
terhadap aset tetap. Realisasi nilai investasi tahun fixed assets. The realized investment value in 2023
2023 mencapai Rp138,31 miliar, meningkat 12,30% reached Rp138.31 billion, an increase of 12.30%
dibandingkan tahun 2022 yang sebesar Rp123,16 compared to 2022, which amounted to Rp123.16
miliar. billion.
Rincian investasi barang modal yang dilakukan Details of capital goods investments made by Hana
Bank Hana selama 2 (dua) tahun terakhir diuraikan Bank during the last 2 (two) years are described as
sebagai berikut: follows:
(dalam jutaan rupiah)
(in million rupiah,)
Tujuan Investasi
Uraian Investment 2023 2022 Description
Objective
Perangkat Lunak Pendukung 52.505 117.608 Software and
dan Perangkat Operasional Hardware
Keras Operational Support
Perlengkapan dan Pendukung 4.726 205 Office Furniture and
Peralatan Kantor Operasional Fixture
Operational Support
Kendaraan Pendukung 876 12 Motor Vehicles
Bermotor Operasional
Operational Support
Aset dalam Pendukung 80.201 5.245 Assets Under
Konstruksi Operasional Construction
Operational Support
Total Investasi 138.308 123.160 Total Capital Goods
Barang Modal Investment
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IKATAN MATERIAL ATAS INVESTASI MATERIAL COMMITMENT TO
BARANG MODAL CAPITAL GOODS INVESTMENT
Bank Hana tidak memiliki ikatan material atas Hana Bank has no material commitments for
investasi barang modal yang dilakukan selama capital goods investments made in 2023.
tahun 2023.
PERBANDINGAN TARGET DAN COMPARISON OF 2023 TARGETS
REALISASI 2023, SERTA PROYEKSI AND REALIZATIONS, AND 2024
KINERJA 2024 PERFORMANCE PROJECTIONS
Pencapaian target Bank selama tahun 2023 The Bank’s target achievement in 2023 shows
menunjukkan hasil yang baik, meskipun belum promising results, though it has not fully met the set
sepenuhnya memenuhi target yang ditentukan. targets. The following table contains information
Informasi terkait pencapaian target Bank tahun on the Bank’s 2023 targets achievement and
2023 serta proyeksi tahun 2024 diungkapkan projections for 2024.
dalam tabel berikut:
(dalam jutaan rupiah, kecuali dinyatakan lain)
(in millions of rupiah, unless otherwise stated)
2023 2024
RBB RBB
Uraian Pencapaian Description
Realisasi Bank’s Bank’s
Achievement
Realization Business Business
(%)
Plan Plan
Kredit 34.324.051 33.500.009 102,46% 37.000.005 Loans
Total Aset 46.883.866 48.194.105 97,28% 50.700.726 Total Asset
Simpanan Nasabah 26.229.093 27.000.000 97,14% 27.000.002 Deposits from
Customers
Total Liabilitas 35.820.423 37.153.674 96,41% 39.252.141 Total Liabilities
Total Ekuitas 11.063.443 11.040.431 100,21% 11.448.585 Total Equity
Pendapatan Bunga 3.043.034 3.030.294 100,42% 3.220.279 Interest Income
Beban Bunga 1.318.847 1.252.959 105,26% 1.426.433 Interest Expense
Pendapatan Bunga 1.724.187 1.777.335 97,01% 1.793.846 Interest Income -
- Neto Net
Laba Sebelum 616.561 554.906 111,11% 581.530 Income Before Tax
Beban Pajak Expense
Laba Bersih 453.209 390.456 116,07% 430.333 Net Income
Struktur Modal Capital Structure
Modal Inti 10.491.003 10.487.560 100,03% 10.778.042 Core Capital
Modal Pelengkap 362.785 364.685 99,48% 395.398 Supplementary
Capital
Dividen Disesuaikan Dividend
dengan
pencapaian
laba serta
rencana bisnis
Bank.
Adjusted
to profit
achievement
and the Bank’s
business plan.
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PROSPEK USAHA 2024 BUSINESS PROSPECTS 2024
Perekonomian global tahun 2024 diproyeksikan The global economy in 2024 is projected to remain
masih akan diwarnai dengan tingginya tingkat risiko characterized by a high level of recession risk, as
resesi serta fragmentasi ekonomi, perdagangan, well as fragmentation of the economy, trade, and
dan investasi akibat ketegangan politik yang investment due to ongoing political tensions.
berlanjut. Koreksi pertumbuhan ekonomi terutama Economic growth corrections were notably larger
lebih besar terjadi di Amerika Serikat, Eropa, dan in the United States, Europe, and Latin America.
Amerika Latin. Kondisi tersebut tidak terlepas dari This condition is inextricably linked to the three
kontraksi pertumbuhan, baik dari sisi penawaran regions’ experience of growth contraction on both
maupun sisi permintaan, yang dialami oleh ketiga the supply and demand sides. From the supply side,
kawasan tersebut. Dari sisi penawaran, ketegangan geopolitical tensions between Russia and Ukraine
geopolitik antara Rusia dan Ukraina masih continue to disrupt energy supplies. Meanwhile, on
menimbulkan permasalahan pada pasokan energi. the demand side, high inflation combined with an
Sementara dari sisi permintaan, tingkat inflasi aggressive response to monetary policy tightening
yang tinggi diikuti dengan respons pengetatan reduced people’s purchasing power even further.
kebijakan moneter yang agresif menyebabkan daya Meanwhile, the decline in inflationary pressures in
beli masyarakat makin menurun. Sementara itu, 2024 is predicted to be gradual rather than rapid.
penurunan tekanan inflasi pada 2024 diprakirakan This condition has the potential to cause stagflation
tidak cepat dan berlangsung secara bertahap. (economic slowdown and high inflation), as well as
Kondisi ini berisiko memicu stagflasi (perlambatan reflation (economic recession and high inflation),
ekonomi dan inflasi tinggi) dan bahkan dapat necessitating appropriate and timely policies from
berlanjut menjadi resflasi (resesi ekonomi dan relevant stakeholders.
inflasi tinggi), sehingga memerlukan kebijakan-
kebijakan yang tepat dan cepat dari pemangku
kepentingan terkait.
Sementara itu, perbaikan ekonomi nasional Meanwhile, improvements in the national economy
diproyeksikan juga terus berlanjut dengan are projected to continue, aided by resilient
ditopang oleh permintaan domestik yang berdaya domestic demand and strong export performance.
tahan dan kinerja ekspor yang tetap kuat. Berbagai Various indicators and results from the most
indikator dan hasil survei Bank Indonesia terakhir, recent Bank Indonesia survey, such as consumer
seperti keyakinan konsumen, penjualan eceran, confidence, retail sales, and the Manufacturing
dan Purchasing Managers’ Index (PMI) Manufaktur Purchasing Managers’ Index (PMI), show that the
mengindikasikan terus berlangsungnya proses domestic economic recovery is ongoing. Bank
pemulihan ekonomi domestik. Bank Indonesia Indonesia forecasts that Indonesia’s economic
memproyeksikan pertumbuhan ekonomi growth in 2023 will be between 4.5% and 5.3%.
Indonesia tahun 2023 berada di kisaran 4,5%-5,3%. Aside from that, Indonesia’s Balance of Payments
Selain itu, kinerja Neraca Pembayaran Indonesia (NPI) is expected to remain strong, bolstered by a
(NPI) juga diproyeksikan tetap sehat ditopang oleh capital and financial transaction surplus and stable
surplus transaksi modal dan finansial di tengah current account balance performance. Inflation is
kinerja neraca transaksi berjalan yang terjaga. Di expected to fall to 3.0 ± 1% by 2023. Similarly, the
sisi lain, inflasi pada 2023 diproyeksikan menurun Rupiah exchange rate remains relatively stable.
dan kembali ke dalam sasaran 3,0±1%. Begitu juga
dengan nilai tukar Rupiah yang relatif stabil.
Dalam industri perbankan, transaksi ekonomi Digital economic and financial transactions
dan keuangan digital (EKD) terus berkembang (EKD) in the banking industry continue to grow,
dengan dorongan kebijakan Bank Indonesia untuk aided by Bank Indonesia’s policy to accelerate
mengakselerasi digitalisasi sistem pembayaran the digitalization of payment systems in order to
guna mendukung pemulihan ekonomi nasional. support national economic recovery. To encourage
Untuk mendorong akselerasi dan inovasi sistem payment system acceleration and innovation, Bank
pembayaran, Bank Indonesia terus mempercepat Indonesia is accelerating the implementation
implementasi Blueprint Sistem Pembayaran of the 2025 Payment System Blueprint (BSPI),
(BSPI) 2025, baik perluasan akseptasi dan fitur- which includes expanding the acceptance and
fitur layanan pembayaran QRIS dan BI-FAST, features of QRIS and BI-FAST payment services,
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maupun penerapan SNAP dan konsolidasi industri as well as implementing SNAP and consolidating
sistem pembayaran Indonesia untuk membentuk the Indonesian payment system industry to
unicorn-unicorn tangguh dan kompetitif dari create tough and competitive unicorns. With
Indonesia. Dengan perkembangan tersebut, nilai these developments, the value of digital banking
transaksi digital banking diprakirakan akan terus transactions is expected to rise 22.1%, reaching
meningkat, tumbuh 22,1% mencapai Rp64.175 Rp64,175 trillion in 2023.
triliun pada 2023.
Dalam rangka menjaga kinerja industri In order to maintain the banking industry’s
perbankan tahun 2023, Otoritas Jasa Keuangan performance in 2023, the Financial Services
juga akan melanjutkan kebijakan mengenai Authority will continue policies aimed at
konsolidasi perbankan, penguatan pengawasan banking consolidation, strengthening integrated
yang terintegrasi, penguatan integritas industri supervision, strengthening the integrity of the
perbankan, akselerasi pengembangan perbankan banking industry, accelerating the development
syariah dengan meninjau ulang strategi of sharia banking by reviewing development
pengembangan yang selama ini dilakukan, strategies already implemented, and increasing
peningkatan akses dan kualitas commercial access and quality of commercial presence.
presence bank-bank Indonesia di negara lain, Indonesian banks in other countries are improving
peningkatan kualitas pelayanan dan digitalisasi service quality and banking digitalization to create
perbankan dalam mewujudkan well-functioning a well-functioning banking system that benefits
banking system yang berkontribusi terhadap the national economy. Aside from that, OJK will
perekonomian nasional. Selain itu, OJK akan remain proactive and strengthen collaboration
senantiasa proaktif dan memperkuat kolaborasi with stakeholders to maintain healthy banking
dengan para pemangku kepentingan dalam conditions and performance.
menjaga kondisi dan kinerja perbankan yang sehat.
INFORMASI MATERIAL MATERIAL INFORMATION
MENGENAI INVESTASI, EKSPANSI, REGARDING INVESTMENT,
DIVESTASI, PENGGABUNGAN/ EXPANSION, DIVESTMENT,
PELEBURAN USAHA, AKUISISI, MERGER/CONSOLIDATION OF
RESTRUKTURISASI UTANG/MODAL BUSINESSES, ACQUISITIONS,
RESTRUCTURING OF DEBT/
CAPITAL
Bank Hana tidak melakukan transaksi material Throughout 2023, Hana Bank did not carry out
mengenai investasi, ekspansi, divestasi, akuisisi, material transactions regarding investment,
dan restrukturisasi utang di sepanjang tahun 2023 expansion, divestment, acquisition, and debt
restructuring.
INFORMASI TRANSAKSI MATERIAL INFORMATION ON MATERIAL
YANG MENGANDUNG BENTURAN TRANSACTIONS CONTAINING
KEPENTINGAN DAN/ATAU CONFLICTS OF INTEREST AND/OR
TRANSAKSI DENGAN PIHAK TRANSACTIONS WITH AFFILIATED
AFILIASI PARTIES
Informasi Transaksi Material yang Information on Material Transactions
Mengandung Benturan Kepentingan Containing Conflict of Interest
Sepanjang tahun 2023, Bank tidak melakukan Throughout 2023, the Bank did not carry out
transaksi yang mengandung benturan transactions that contained conflicts of interest.
kepentingan.
Informasi Transaksi dengan Pihak Berelasi Information on Transaction with Related
Parties
Pada tahun 2023, Bank Hana melakukan transaksi In 2023, Bank Hana carried out transactions with
dengan pihak berelasi. Sifat dari hubungan dan related parties. The nature of the relationships and
transaksi diuraikan dalam tabel berikut: transactions is described in the following table:
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Pihak Berelasi Sifat dari Hubungan Sifat dari Transaksi
Related Parties Nature and Relationship Nature of Transaction
KEB Hana Bank, Korea Entitas Induk Simpanan dari bank lain dan surat
berharga yang diterbitkan
Deposits from other banks and
securities issued.
KEB Hana Bank, Deutschland Memiliki Pemegang Saham akhir Giro pada bank lain
yang sama Giro pada bank lain
Have the same ultimate Current accounts with other banks
shareholder
PT Sinarmas Hana Finance Memiliki Pemegang Saham akhir Investasi dalam saham, kredit, dan
yang sama simpanan nasabah
Have the same ultimate Investment in shares, loans, and
shareholder deposits from customers
PT Hamko Propertindo Ananta Memiliki Pemegang Saham akhir Kredit, simpanan nasabah, aset
yang sama lain-lain, utang sewa, beban umum
Have the same ultimate dan administrasi, serta beban
shareholder bunga
Loans, deposits from customers,
other assets, lease liabilities,
general and administrative
expenses, and interest expense
PT Next Transformtech Indonesia Memiliki Pemegang Saham akhir Simpanan nasabah dan
yang sama pendapatan non-operasional
Have the same ultimate Deposits from customers and non-
shareholder operating income
Direksi, Dewan Komisaris, dan Manajemen dan karyawan kunci Kredit dan simpanan nasabah
Pejabat Eksekutif Key management and employees Loans and deposits from
Board of Directors, Board of customers
Commissioners, and Executive
Officers
Saldo dan Transaksi dengan Pihak-Pihak Balances and Transactions with Related
Berelasi Parties
Rincian saldo dan transaksi dengan pihak-pihak Details of balances and transactions with related
berelasi selama 2 (dua) tahun terakhir diuraikan parties for the last 2 (two) years are described as
sebagai berikut: follows:
(dalam jutaan rupiah)
(in million rupiah)
Uraian 2023 2022 Description
Giro pada Bank Lain Current Accounts with
Other Banks
KEB Hana Bank, 8.745 3.556 KEB Hana Bank,
Deutschland Deutschland
Persentase terhadap Total 0,02 0,01 Percentage to Total
Aset (%) Assets (%)
Kredit Loan
PT Hamko Propertindo 433.118 437.914 PT Hamko Propertindo
Ananta Ananta
PT Sinarmas Hana 455.160 459.137 PT Sinarmas Hana
Finance Finance
Manajemen Kunci 7.256 8.894 Key Management
Jumlah 895.534 905.945 Total
Persentase terhadap Total 1,91 1,94 Percentage to Total
Aset (%) Assets (%)
Investasi dalam Saham Investasi dalam Saham
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(dalam jutaan rupiah)
(in million rupiah)
Uraian 2023 2022 Description
PT Sinarmas Hana 106.519 106.664 PT Sinarmas Hana
Finance Finance
Persentase terhadap Total 0,23 0,23 Percentage to Total
Aset (%) Assets (%)
Aset Lain-lain Other Asset
PT Hamko Propertindo 79.800 79.800 PT Hamko Propertindo
Ananta Ananta
Persentase terhadap Total 0,17 0,17 Percentage to Total
Aset (%) Assets (%)
Simpanan Nasabah Simpanan Nasabah
Deposito Berjangka 280.652 15.402 Term Deposit
Tabungan 9.974 8.408 Saving
Giro 69.475 105.300 Current Account
Total 360.101 129.110 Total
Persentase terhadap Total 1,00 0,36 Percentage to Total
Liabilitas (%) Assets (%)
Simpanan dari Bank Lain Deposits from Other
Banks
KEB Hana Bank, Korea 4.716.678 5.337.512 KEB Hana Bank, Korea
Persentase terhadap Total 13,17 14,79 Percentage to Total
Liabilitas (%) Liabilities (%)
Surat Berharga yang Diterbitkan Securities Issued
KEB Hana Bank, Korea - 622.700 KEB Hana Bank, Korea
Persentase terhadap Total 0,00 1,73 Percentage to Total
Liabilitas (%) Liabilities (%)
Liabilitas Lain-Lain Other Liabilities
PT Hamko Propertindo 152.766 178.542 PT Hamko Propertindo
Ananta Ananta
Persentase terhadap Total 0,43 0,50 Percentage to Total
Liabilitas (%) Liabilities (%)
Pendapatan Non-Operasional Non-Operating Income
PT Next Transformtech 1.188 1.311 PT Next Transformtech
Indonesia Indonesia
Kewajaran Transaksi Fairness of Transactions
Seluruh transaksi yang dilakukan pada tahun All transactions carried out in 2023 were carried
2023 dilakukan secara wajar (arm’s length) sesuai out at arm’s length in accordance with statutory
peraturan perundang-undangan. Seluruh transaksi regulations. All transactions are carried out based
tersebut dilakukan atas dasar alasan kebutuhan on Hana Bank’s needs and are free from conflicts
Bank Hana dan bebas dari konflik kepentingan. of interest. In addition, throughout 2023, there were
Selain itu, sepanjang tahun 2023 tidak terdapat no related party transactions that required GMS
transaksi pihak berelasi yang membutuhkan approval.
persetujuan RUPS.
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Pemenuhan Ketentuan Terkait Fulfillment of Relevant Provisions
Dalam menjalankan usahanya, Bank melakukan In the normal course of its business, the Bank
transaksi dengan pihak-pihak berelasi seperti enters into transactions with related parties
yang didefinisikan dalam PSAK 7 (Revisi 2010): which are defined under SFAS 7 (Revised 2010):
“Pengungkapan Pihak-Pihak Berelasi”. PSAK ini “Related Party Disclosures”. This SFAS requires
mensyaratkan pengungkapan hubungan dengan the disclosures of related party relationship,
pihak berelasi, transaksi dan saldo pihak-pihak transactions, and balances with related parties,
berelasi, termasuk komitmen, dalam laporan including commitments, in the Bank’s financial
keuangan Bank. statements.
Pernyataan Direksi bahwa Transaksi telah Statement of The Board of Directors That the
Memenuhi Prosedur Memadai dan Sesuai Transaction Has Fulfilled Adequate Procedures
Praktik Bisnis yang Berlaku Umum and is in Accordance with Generally Accepted
Business Practices
Dewan Komisaris, Direksi, serta Komite Audit The Board of Commissioners, Board of Directors,
senantiasa memastikan bahwa transaksi dengan and Audit Committee always ensure that
pihak berelasi yang dilakukan Bank telah melalui transactions with related parties carried out by the
prosedur yang memadai serta dilakukan sesuai Bank have gone through adequate procedures, are
dengan praktik bisnis yang berlaku umum dengan carried out in accordance with generally accepted
memenuhi prinsip transaksi yang wajar. business practices, and comply with fair transaction
principles.
Peran Dewan Komisaris dan Komite Audit The role of the Board of Commissioners
untuk Memastikan Transaksi Dilakukan and the Audit Committee in ensuring that
sesuai Praktik Bisnis yang Berlaku umum, transactions are carried out in accordance
yang antara lain dilakukan dengan memenuhi with generally accepted business practices,
prinsip transaksi yang wajar (arm’s-lenght which, among other things, are carried out by
principle) complying with the arm’s length principle.
Seluruh transaksi yang dilakukan pada tahun All transactions carried out in 2023 were carried
2023 dilakukan secara wajar (arm’s length) sesuai out at arm’s length in accordance with statutory
peraturan perundang-undangan. Seluruh transaksi regulations. All transactions are carried out based
tersebut dilakukan atas dasar alasan kebutuhan on Hana Bank’s needs and are free from conflicts
Bank Hana dan bebas dari konflik kepentingan. of interest. In addition, throughout 2023, there were
Selain itu, sepanjang tahun 2023 tidak terdapat no related party transactions that required GMS
transaksi pihak berelasi yang membutuhkan approval.
persetujuan RUPS
Rujukan Informasi Transaksi dengan Pihak Reference to Transaction Information with
Berelasi pada Laporan Keuangan Related Parties in Financial Statements
Informasi tentang transaksi dengan pihak berelasi Information about transactions with related parties
diuraikan juga pada Laporan Keuangan yang telah is also described in the audited Financial Statement
diaudit dan terdapat dalam Laporan Tahunan ini and is contained in this Annual Report on page 94.
halaman 94.
TRANSAKSI DAN KOMPENSASI TRANSACTIONS WITH AND
DENGAN MANAJEMEN KUNCI COMPENSATION FOR KEY
MANAGEMENT
Bank Hana mengelola transaksi dan menyerahkan Hana Bank manages transactions and hands over
kompensasi kepada manajemen kunci yang terdiri compensation to key management, consisting of
dari Dewan Komisaris, Direksi, Kepala Divisi, dan the Board of Commissioners, Board of Directors,
Kepala Cabang. Division Heads, and Branch Heads.
Rincian transaksi dan kompensasi sepanjang 2 Details of transactions and compensation for the
(dua) tahun terakhir diuraikan sebagai berikut: last 2 (two) years are described as follows:
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Transaksi dengan Manajemen Kunci Transactions with Key Management
(dalam jutaan rupiah)
(in million rupiah)
Uraian 2023 2022 Description
Aset Asset
Kredit 7.256 8.894 Loan
Persentase terhadap Total 0,02 0,01 Percentage to Total
Aset (%) Assets (%)
Liabilitas Liabilities
Simpanan dari Nasabah 35.235 13.027 Deposits from Customers
Persentase terhadap 0,10 0,04 Percentage to Total
Liabilitas (%) Assets (%)
Kompensasi Manajemen Kunci Key Management Compensation
(dalam jutaan rupiah, kecuali dinyatakan lain)
(in million rupiah, unless stated otherwise)
Uraian 2023 2022 Description
Imbalan Kerja Jangka 109.941 88.142 Short-Term Employee
Pendek Benefits
Imbalan Pasca-Kerja 6.631 5.192 Post-Employment
Benefits
Jumlah 116.572 93.334 Total
Persentase terhadap Total 23,13 20,95 Percentage to Total
Beban Tenaga Kerja (%) Personnel Expenses (%)
KOMITMEN DAN KONTINJENSI COMMITMENTS AND
CONTINGENCIES
Informasi terkait komitmen dan kontinjensi Bank Information related to Bank Hana’s commitments
Hana yang dinyatakan dalam nilai kontrak, dengan and contingencies expressed in the contract value
uraian sebagai berikut: is described as follows
(dalam jutaan rupiah, kecuali dinyatakan lain)
(in million rupiah, unless stated otherwise)
Pertumbuhan
Uraian 2023 2022 Growth Description
Rp %
Komitmen Commitments
Liabilitas Komitmen Commitment
Liabilities
Fasilitas Kredit 7.698.877 6.009.695 1.689.182 28,11 Unused Loan
kepada Nasabah Facilities Granted
yang Belum to Customers
Digunakan
L/C yang Tidak Dapat 426.162 540.117 -113.955 -21.1 Outstanding
Dibatalkan dan masih Irrevocable Letters
Berjalan of Credit
Total Liabilitas (8.125.039) (6.549.812) 1.575.227 24.1 Total Commitment
Komitmen Liabilities
Kontinjensi Contingencies
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(dalam jutaan rupiah, kecuali dinyatakan lain)
(in million rupiah, unless stated otherwise)
Pertumbuhan
Uraian 2023 2022 Growth Description
Rp %
Tagihan Contingent
Kontinjensi Receivable
Garansi dari 501.299 506.851 -5.552 -1,1 Guarantees from
Bank lain Other Banks
Liabilitas Contingent
Kontinjensi Liabilities
Bank Garansi yang 810.246 843.239 -32.993 3,91 Bank Guarantees
Diterbitkan Issued
Liabilitas Kontinjensi (308.947) (336.388) -27.441 -8,2 Contingent Liabilities
- Neto - Net
Commitments and (8.433.986) (6.886.200) 1.547.786 22,5 Liabilitas Komitmen
Contingent dan Kontinjensi -
Liabilities - Net Neto
TRANSAKSI-TRANSAKSI PENTING OTHER IMPORTANT
LAINNYA DALAM JUMLAH YANG TRANSACTIONS IN SIGNIFICANT
SIGNIFIKAN AMOUNT
Sepanjang tahun 2023, Bank Hana tidak melakukan Throughout 2023, Hana Bank did not carry out other
transaksi-transaksi penting lainnya dalam jumlah important transactions in significant amounts.
yang signifikan.
INFORMASI KEUANGAN YANG FINANCIAL INFORMATION
MENGANDUNG KEJADIAN YANG CONTAINING EXTRAORDINARY
SIFATNYA LUAR BIASA DAN AND RARE EVENT
JARANG TERJADI
Pada tahun 2023, Bank Hana tidak memiliki In 2023, Hana Bank did not have financial
informasi keuangan yang mengandung kejadian information containing extraordinary and rare
yang sifatnya luar biasa dan jarang terjadi. events.
INFORMASI DAN FAKTA MATERIAL INFORMATION AND MATERIAL
YANG TERJADI SETELAH TANGGAL FACTS THAT OCCUR AFTER THE
LAPORAN AKUNTAN DATE OF THE ACCOUNTANT’S
REPORT
Anton Hermawan mengundurkan diri dari Anton Hermawan resigned from his position as
jabatannya sebagai Direktur Perbankan Konsumer Director of Consumer Banking of PT Bank KEB
PT Bank KEB Hana Indonesia efektif mulai 1 Januari Hana Indonesia effective January 1, 2024. The
2024. Pengunduran diri tersebut telah disampaikan resignation has been submitted to the Financial
kepada Otoritas Jasa Keuangan melalui surat No. Services Authority through letter No. 35/4946/PN/
35/4946/PN/SEC tanggal 16 Oktober 2023 mengenai SEC dated October 16, 2023 regarding Information
Informasi Pengunduran Diri Direktur Perbankan on Resignation of Director of Consumer Banking of
Konsumer PT Bank KEB Hana Indonesia. PT Bank KEB Hana Indonesia.
DIVIDEN DIVIDEND
Kebijakan Dividen Dividend Policy
Kebijakan Bank Hana dalam menetapkan dividen Hana Bank’s policy for determining dividends
diputuskan melalui Rapat Umum Pemegang is decided through the General Meeting of
Saham (RUPS). Keputusan tersebut telah Shareholders (GMS). This decision refers to the
merujuk pada ketentuan perundang-undangan provisions of applicable laws and considers the
yang berlaku serta mempertimbangkan posisi financial position, profits, and soundness of the
keuangan, laba, dan tingkat kesehatan Bank. Bank.
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Realisasi Pembayaran Dividen Realization of Dividend Payments
Dalam kurun waktu 10 tahun ini, Bank Hana tidak In the past 10 years, Hana Bank has not distributed
membagikan dividen kepada pemegang saham, dividends to shareholders, considering that the
mengingat perolehan laba bersih Bank dibukukan Bank’s net income is recorded as retained earnings
sebagai laba ditahan untuk meningkatkan struktur to increase the capital structure.
modal.
KOMPENSASI JANGKA PANJANG LONG TERM COMPENSATION
DALAM BENTUK PROGRAM IN THE FORM OF A STOCK
KEPEMILIKAN SAHAM OLEH OWNERSHIP PROGRAM
KARYAWAN DAN/ATAU BY EMPLOYEES AND/OR
MANAJEMEN MANAGEMENT
Hingga akhir tahun buku 2023, Bank Hana tidak Until the end of the 2023 financial year, Hana Bank
melakukan program kepemilikan saham oleh did not carry out a share ownership program by
manajemen dan/atau karyawan. management and/or employees.
PENGGUNAAN DANA HASIL USE OF PROCEEDS FROM PUBLIC
PENAWARAN UMUM OFFERING
Bank Hana tidak menerbitkan penawaran umum, Hana Bank has not issued any public offerings,
baik dalam bentuk saham maupun surat berharga. either in the form of shares or securities.
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PERUBAHAN PERATURAN CHANGES TO LEGISLATION THAT
PERUNDANG-UNDANGAN YANG HAVE SIGNIFICANT IMPACT
BERDAMPAK SIGNIFIKAN
Peraturan Otoritas Jasa Keuangan yang Financial Services Authority Regulations that
Berdampak Signifikan bagi Bank pada Tahun Have a Significant Impact on Banks in 2023
2023
Judul Nomor Regulasi Dampak terhadap Bank
Title Regulation No. Impact on Banks
Perubahan Kedua Nomor 27 Tahun 2022 • Memastikan memperhitungkan Aktiva Tertimbang
atas POJK Nomor 11/ Menurut Risiko (ATMR) untuk Risiko Pasar sesuai
POJK.03/2016 tentang Number 27 of 2022 dengan standar Basel 3 reforms termasuk faktor
Kewajiban Penyediaan penambah dan pengurang atas perhitungan
Modal Minimum Bank Cadangan tambahan modal (disclosed reserve).
Umum (POJK KPMM) • Memastikan penyampaian laporan perhitungan
KPMM secara individu sesuai dengan format dan
Second Amendment tata cara penyampaian laporan secara daring melalui
to POJK Number sistem pelaporan OJK.
11/POJK.03/2016 • Menyesuaikan kebijakan dan prosedur terkait dengan
concerning Kewajiban Penyediaan Modal Minimum Bank Umum.
Minimum Capital • Mempertimbangkan eksposure terhadap lembaga
Adequacy Requirement central counterparty dan memenuhi persyaratan
for Commercial Banks margin untuk transaksi derivatif
(POJK KPMM)
• Ensure taking into account Risk Weighted Assets
(RWA) for Market Risk in accordance with Basel 3
reform standards, including adding and subtracting
factors to the calculation of additional capital reserves
(disclosed reserves).
• Ensure the submission of individual KPMM calculation
reports in accordance with the format and procedures
for submitting reports online through the OJK
reporting system.
• Adjust policies and procedures related to Commercial
Bank Minimum Capital Adequacy Requirements.
• Considering exposure to central counterparty
institutions and meeting margin requirements for
derivative transactions
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Judul Nomor Regulasi Dampak terhadap Bank
Title Regulation No. Impact on Banks
Peningkatan Literasi Nomor 3 Tahun 2023 • Melaksanakan kegiatan untuk meningkatkan Literasi
dan Inklusi Keuangan di Keuangan kepada Konsumen dan/atau masyarakat
Sektor Jasa Keuangan Number 3 of 2023 sebagai program tahunan dan dilakukan paling sedikit
Bagi Konsumen dan 1 (satu) kali dalam 1 (satu) semester. Seluruh kewajiban
Masyarakat wajib didokumentasikan.
• Melakukan penyusunan dan pelaksanaan atas edukasi
Increasing Financial keuangan dan pengembangan sarana dan prasarana
Literacy and Inclusion yang mendukung Literasi Keuangan bagi konsumen
in the Financial Services dan/masyarakat.
Sector for Consumers • Melakukan kegiatan edukasi keuangan paling sedikit
and the Community 1 (satu) kali yang dilakukan dengan penyampaian
materi edukasi keuangan.
• Melaksanakan kegiatan untuk meningkatkan Inklusi
Keuangan kepada Konsumen dan/atau masyarakat
sebagai program tahunan dan dilakukan paling
sedikit 1 (satu) kali dalam 1 (satu) semester. Serta
mendokumentasikan pelaksanaan kegiatan untuk
meningkatkan Inklusi Keuangan.
• Menyusun mekanisme pelaporan kepada Direksi
untuk pemenuhan kepatuhan ketentuan POJK.
• Menyusun dan menyampaikan laporan Literasi
Keuangan dan Inklusi Keuangan dengan mengikuti
ketentuan terkait penyampaian rencana bisnis bank
dan laporan realisasi rencana bisnis.
• Carrying out activities to increase Financial Literacy
for Consumers and/or the community as an annual
program, carried out at least once per semester. All
obligations must be documented.
• Preparing and implementing financial education and
developing facilities and infrastructure that support
Financial Literacy for consumers and/the community.
• Carry out financial education activities at least once by
delivering financial education material.
• Carrying out activities to increase Financial Inclusion
for Consumers and/or the community as an annual
program, carried out at least once per semester. As
well as documenting the implementation of activities
to increase Financial Inclusion.
• Develop a reporting mechanism for the Board of
Directors to fulfill POJK compliance.
• Prepare and submit Financial Literacy and Financial
Inclusion reports by following the provisions related
to submitting bank business plans and business plan
realization reports.
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Judul Nomor Regulasi Dampak terhadap Bank
Title Regulation No. Impact on Banks
Penerapan Program Nomor 8 Tahun 2023 • Mengidentifikasi, menilai, dan memahami risiko
Anti Pencucian Tindak Pidana Pencucian Uang (TPPU), Tindak Pidana
Uang, Pencegahan Number 8 of 2023 Pendanaan Terorisme (TPPT), dan/atau Pendanaan
Pendanaan Terorisme, Proliferasi Senjata Pemusnah Massal (PPSPM)
dan Pencegahan terhadap nasabah, negara atau area geografis, produk,
Pendanaan Proliferasi jasa, transaksi atau jaringan distribusi.
Senjata Pemusnah • Memastikan penerapan Pencegahan Pendanaan
Massal di Sektor Jasa Proliferasi Senjata Pemusnah Massal mencakup
Keuangan pengaturan mitigasi risiko terhadap penghindaran
sanksi (sanction evasion), menegaskan tindak lanjut
Implementation dan pemblokiran serta merta terhadap Daftar Terduga
of Anti-Money Teroris dan Organisasi Teroris (DTTOT) dan Daftar
Laundering Programs, Pendanaan Proliferasi Senjata Pemusnah Massal
Counter-Terrorism (DPPSPM) dilakukan dengan freezing without delay
Financing, and Counter dan tanpa pemberitahuan sebelumnya (without prior
Proliferation Financing notice).
of Weapons of Mass • Memastikan penerapan persyaratan dan tata cara kerja
Destruction in the sama dengan Pihak Ketiga dalam rangka verifikasi
Financial Services secara tatap muka (face to face) dan tidak tatap muka
Sector (non-face to face) melalui sarana elektronik.
• Menyusun prosedur pre-employee screening
• Memastikan menerapkan prosedur Customer Due
Diligence (CDD) sederhana serta CDD terhadap
Pemilik Manfaat (Beneficial Owner) terhadap seluruh
jenis nasabah termasuk perusahaan publik/emiten
dan lembaga negara.
• Identify, assess, and understand the risks of Money
Laundering Crimes (TPPU), Terrorism Financing Crimes
(TPPT), and/or Proliferation Financing of Weapons
of Mass Destruction (PPSPM) toward Customers,
countries or geographic areas, products, services,
transactions, or network distribution.
• Ensure that the implementation of Counter
Proliferation Financing of Weapons of Mass Destruction
includes risk mitigation arrangements for sanctions
evasion, confirming that follow-up and immediate
blocking of the List of Suspected Terrorists and Terrorist
Organizations (DTTOT) and the List of Proliferation
Financing of Weapons of Mass Destruction (DPPSPM)
are carried out in accordance with freezing without
delay and without prior notice.
• Ensure the implementation of the requirements
and procedures for cooperation with third parties
in the context of face-to-face and non-face-to-face
verification via electronic means.
• Develop pre-employee screening procedures.
• Ensure the implementation of simple Customer
Due Diligence (CDD) procedures as well as CDD for
Beneficial Owners of all types of customers, including
public companies/issuers and state institutions.
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Judul Nomor Regulasi Dampak terhadap Bank
Title Regulation No. Impact on Banks
Penggunaan Jasa Nomor 9 Tahun 2023 • Melakukan penujukkan Akuntan Publik (AP) dan/
Akuntan Publik dan atau Kantor Akuntan Publik (KAP) pada Rapat Umum
Kantor Akuntan Publik Number 9 of 2023 Pemegang Saham dengan mempertimbangkan
dalam Kegiatan Jasa usulan Dewan Komisaris, Dewan Pengawas, atau pihak
Keuangan yang melakukan fungsi pengawasan sebagaimana
dilakukan oleh dewan komisaris. Usulan penunjukan
Use of Public AP dan/atau KAP yang diajukan oleh dewan komisaris,
Accounting Services dewan pengawas, atau pihak yang melakukan fungsi
and Public Accounting pengawasan wajib memperhatikan rekomendasi
Firms in Financial Komite Audit.
Services Activities • Melakukan evaluasi melalui komite audit terhadap
pelaksanaan pemberian jasa audit atas informasi
keuangan historis tahunan oleh AP dan/atau KAP.
• Memastikan KAP menyampaikan dan melakukan
/ menyediakan hasil penilaian sendiri terhadap
pemenuhan pembatasan penggunaan jasa audit dan
masa jeda.
• Memiliki perjanjian kerja sama yang mendasari yang
mencantumkan ruang lingkup audit spesifik.
• Appoint a Public Accountant (PA) and/or Public
Accounting Firm (PAF) at the General Meeting of
Shareholders by considering the proposals of the
Board of Commissioners, Supervisory Board, or parties
who carry out supervisory functions as carried out
by the board of commissioners. Proposals for the
appointment of PA and/or PAF submitted by the
board of commissioners, supervisory board, or parties
carrying out supervisory functions must pay attention
to the recommendations of the Audit Committee.
• Conduct evaluations through the audit committee
on the implementation of audit services for annual
historical financial information by PA and/or PAF.
• Ensure that PAF submits and carries out/provides the
results of its own assessment regarding compliance
with restrictions on the use of audit services and
cooling off periods.
• Have an underlying collaboration agreement that sets
out the specific scope of the audit.
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Judul Nomor Regulasi Dampak terhadap Bank
Title Regulation No. Impact on Banks
Penyidikan Tindak Nomor 16 Tahun 2023 • Memenuhi permintaan Penyidik OJK terkait
Pidana di Sektor Jasa permintaan keterangan mengenai keadaan
Keuangan Number 16 of 2023 keuangan pihak yang diduga melakukan atau terlibat
dalam pelanggaran terhadap ketentuan peraturan
Investigating Criminal perundang-undangan di sektor jasa keuangan.
Acts in the Financial • Melakukan pemblokiran atas rekening dari setiap
Services Sector orang yang diduga melakukan atau terlibat dalam
Tindak Pidana di Sektor Jasa Keuangan yang diminta
oleh Penyidik OJK.
• Fulfill requests from OJK investigators regarding
requests for information on the financial condition of
parties suspected of committing or being involved in
violations of the provisions of laws and regulations in
the financial services sector.
• Block the accounts of any person suspected of
committing or being involved in a criminal act in
the financial services sector, as requested by OJK
investigators.
Penerapan Tata Kelola Nomor 17 Tahun 2023 • Menerapkan 16 (enam belas) prinsip penerapan tata
Bagi Bank Umum kelola yang baik pada seluruh aktivitas Bank.
Number 17 of 2023 • Memiliki pedoman dan tata tertib kerja atas Direksi,
Implementation Dewan Komisaris termasuk pengaturan jumlah,
of Governance for komposisi, kriteria, tata tertib kerja dan pengaturan
Commercial Banks rapat.
• Memiliki pedoman dan tata tertib komite di bawah
Direksi, dan komite di bawah Dewan Komisaris
meliputi pengaturan mengenai tujuan oembentukan
komite, tugas, wewenang, struktur keanggotaan,
rapat, masa tugas dan periode reviu.
• Memiliki kebijakan benturan kepentingan yang
bertujuan untuk mengidentifikasi, mengurangi, dan
mengelola adanya potensi benturan kepentingan yang
mungkin timbul dalam Bank akibat dari pelaksanaan
kegiatan usaha Bank, yang dituangkan dalam aturan.
• Implement 16 (sixteen) principles of good governance
in all Bank activities.
• Holds a charter for the Board of Directors and Board
of Commissioners, including regulation of the number,
composition, criteria, work rules, and meeting
arrangements.
• Holds a charter for committees under the Board
of Directors and committees under the Board of
Commissioners, including regulations regarding the
purpose of forming committees, duties, authority,
membership structure, meetings, terms of service, and
review periods.
• Holds a conflict of interest policy that aims to identify,
reduce, and manage potential conflicts of interest
that may arise within the Bank as a result of the
implementation of the Bank’s business activities, as
outlined in the regulations.
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Surat Edaran Otoritas Jasa Keuangan yang Financial Services Authority Circular Letter
Berdampak Signifikan bagi Bank pada Tahun with Significant Impact on Banks in 2023
2023
Judul Nomor Regulasi Dampak terhadap Bank
Title Regulation No. Impact on Banks
Ketahanan Dan Nomor 29/SEOJK.03/2022 • Menerapkan manajemen risiko terkait keamanan
Keamanan Siber Bagi sibe dan melakukan penilaian risiko inheren terkait
Bank Umum Number 29/ keamanan siber secara tahunan untuk posisi akhir
SEOJK.03/2022 bulan Desember.
Resilience and • Menyampaikan hasil penilaian risiko inheren terkait
Cybersecurity for keamanan siber disampaikan kepada OJK sebagai
Commercial Banks bagian dari laporan kondisi terkini penyelenggaraan TI
Bank.
• Menjaga ketahanan siber dengan melakukan proses
ketahanan sesuai peraturan.
• Menetapkan tingkat risiko terkait keamanan siber
berdasarkan penilaian risiko inheren terkait keamanan
siber dan tingkat maturitas keamanan siber.
• Implement risk management related to cyber security
and conduct an annual inherent risk assessment
related to cyber security at the end of December.
• Submit the results of the inherent risk assessment
related to cyber security to the OJK as part of the report
on the current condition of the Bank’s IT operations.
• Maintain cyber resilience by carrying out resilience
processes according to regulations.
• Determine the level of risk related to cyber security
based on an assessment of the inherent risks related to
cyber security and the maturity level of cyber security.
Penilaian Tingkat Nomor 24/SEOJK.03/2023 • Melakukan penilaian sendiri atas tingkat maturitas
Maturitas Digital Bank digital Bank secara berkala, paling sedikit 1 (satu) kali
Umum Number 24/ dalam 1 (satu) tahun dengan mempertimbangkan
SEOJK.03/2023 adanya perubahan kondisi intern dan ekstern Bank.
Commercial Bank • Melakukan penilaian atas tingkat dan kualitas maturitas
Digital Maturity Level digital Bank dengan menganalisa penerapan kontrol
Assessment atas aspek maturitas digital Bank dengan format yang
ditentukan.
• Conduct self-assessment of the Bank’s digital maturity
level periodically, at least once a year, by considering
changes in the Bank’s internal and external conditions.
• Conduct an assessment of the level and quality
of the Bank’s digital maturity by analyzing the
implementation of controls over the Bank’s digital
maturity aspects in the specified format.
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Peraturan Bank Indonesia yang Berdampak Bank Indonesia Regulations that Have a
Signifikan bagi Bank pada Tahun 2023 Significant Impact on Banks in 2023
Judul Nomor Regulasi Dampak terhadap Bank
Title Regulation No. Impact on Banks
Perubahan Kedua Nomor 24/18/PBI/2022 • Menyesuaikan kebijakan dan prosedur terkait dengan
atas Peraturan Bank penempatan dana Reksus DHE SDA ke dalam 3 (tiga)
Indonesia Nomor Number 24/18/PBI/2022 instrumen.
21/14/PBI/2019 tentang • Memastikan bahwa dana nasabah eksportir yang akan
Devisa Hasil Ekspor dan ditempatkan ke dalam ketiga instrumen wajib berasal
Devisa Pembayaran dari dana DHE SDA.
Impor • Memberikan penanda khusus (flag) untuk setiap
instumen DHE SDA.
Second Amendment
to Bank Indonesia • Adjusting policies and procedures related to the
Regulation Number placement of DHE SDA Reksus funds into 3 (three)
21/14/PBI/2019 instruments.
concerning Foreign • Ensure that exporter customer funds that will be
Exchange from Export placed into the three instruments must come from
Proceeds and Foreign DHE SDA funds.
Exchange from Import • Provide a special marker (flag) for each DHE SDA
Payments instrument.
Pelindungan Nomor 3 Tahun 2023 • Menerapkan prinsip Pelindungan Konsumen dalam
Konsumen Bank menyelenggarakan kegiatan usaha di bidang sistem
Indonesia Number 3 of 2023 pembayaran.
• Menciptakan ekosistem Pelindungan Konsumen yang
Bank Indonesia mewujudkan kepastian hukum serta penanganan
Consumer Protection pengaduan dan penyelesaian sengketa yang efektif
dan efisien.
• Menciptakan perilaku bisnis yang bertanggung jawab,
perlakuan yang adil, memberikan pelindungan aset,
privasi, dan data Konsumen, serta meningkatkan
kualitas produk dan/atau layanan Penyelenggara; dan
• Memastikan bahwa hak-hak penyelenggara telah
tersampaikan pada saat melakukan hubungan usaha
dengan nasabah baik dalam syarat dan ketentuan
program maupun detail program.
• Applying the principles of Consumer Protection in
carrying out business activities in the field of payment
systems.
• Creating a Consumer Protection ecosystem that
creates legal certainty as well as effective and efficient
complaint handling and dispute resolution.
• Creating responsible business behavior, fair treatment,
protecting Consumer assets, privacy, and data, and
improving the quality of the Organizer’s products and/
or services; and
• Ensure that the Organizer’s rights are conveyed when
conducting business relations with customers, both
in the program terms and conditions and program
details.
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Judul Nomor Regulasi Dampak terhadap Bank
Title Regulation No. Impact on Banks
Devisa Hasil Ekspor dan Nomor 7 Tahun 2023 • Melakukan pengkreditan pemasukan DHE pada
Devisa Pembayaran rekening Eksportir jika Message FTMS untuk seluruh
Impor Number 7 of 2023 pemasukan DHE melalui transaksi TT telah dilengkapi
informasi Ekspor.
Foreign Exchange • Melakukan penilaian terhadap kelengkapan informasi
Proceeds from Exports Ekspor yang terdapat pada Message FTMS.
and Foreign Exchange • Memastikan pelaksanaan pemanfaatan DHE SDA oleh
Payments for Imports Eksportir ditempatkan ke dalam instrumen yang telah
ditentukan oleh Bank Indonesia.
• Memberikan penanda khusus (flagging) untuk setiap
Rekening Khusus DHE SDA di sistem internal Bank.
• Memastikan Transfer Dana Masuk ke dalam Rekening
Khusus DHE SDA hanya berasal dari sumber yang
dicantumkan dalam regulasi.
• Credit DHE income to the Exporter’s account if the
FTMS Message for all DHE income via TT transactions
has Export information included.
• Assess the completeness of the Export information
contained in the FTMS Message.
• Ensure the implementation of DHE SDA utilization by
Exporters is placed into instruments determined by
Bank Indonesia.
• Provide special marking (flagging) for each DHE SDA
Special Account in the Bank’s internal system.
• Ensure that fund transfers into the DHE SDA Special
Account only come from sources listed in the
regulations.
Peraturan Anggota Dewan Gubernur Bank Regulations of Members of the Board of
Indonesia yang Berdampak Signifikan bagi Governors of Bank Indonesia that will have a
Bank pada Tahun 2023 significant impact on banks in 2023
Judul Nomor Regulasi Dampak terhadap Bank
Title Regulation No. Impact on Banks
Perubahan Kedua atas Nomor 24/25/PADG/2022 • Menyesuaikan kebijakan dan prosedur terkait dengan
Peraturan Anggota penempatan dana Reksus DHE SDA ke dalam 3 (tiga)
Dewan Gubernur Number 24/25/PADG/2022 instrumen.
Nomor 21/26/PADG/2019 • Memastikan bahwa dana nasabah eksportir yang akan
tentang Devisa Hasil ditempatkan ke dalam ketiga instrumen wajib berasal
Ekspor dan Devisa dari dana DHE SDA.
Pembayaran Impor • Memberikan penanda khusus (flag) untuk setiap
instumen DHE SDA.
Second Amendment • Memastikan seluruh ketentuan terkait Reksus DHE
to Regulation of SDA, termasuk mekanisme pengaksepan Perintah
Members of the Board Transfer Dana, batasan tertentu (threshold), dan
of Governors Number penyampaian dokumen pendukung dilakukan sesuai
21/26/PADG/2019 dengan ketentuan sebagaimana diatur dalam PBI
concerning Foreign mengenai lalu lintas devisa Bank dan Nasabah.
Exchange Proceeds
from Exports and • Adjusting policies and procedures related to the
Foreign Exchange placement of DHE SDA Reksus funds into 3 (three)
Payments for Imports instruments.
• Ensure that exporter customer funds that will be
placed into the three instruments must come from
DHE SDA funds.
• Provide a special marker (flag) for each DHE SDA
instrument.
• Ensure that all provisions related to DHE SDA Reksus,
including the mechanism for accepting Fund
Transfer Orders, certain thresholds, and submission of
supporting documents, are carried out in accordance
with the provisions as regulated in PBI regarding Bank
and Customer foreign exchange traffic.
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Judul Nomor Regulasi Dampak terhadap Bank
Title Regulation No. Impact on Banks
Dealer Utama Operasi Nomor 14 Tahun 2023 • Memenuhi Kriteria peserta OPT untuk menjadi dealer
Moneter utama (primary dealer).
Number 14 of 2023 • mengajukan permohonan tertulis untuk menjadi
Primary Dealer of dealer utama (primary dealer) yang disertai dokumen
Monetary Operations pendukung dapat didahului dengan surat elektronik).
• Memenuhi kewajiban sebagai dealer utama (primary
dealer).
• Meet the criteria for OPT participants to become
primary dealers.
• Submit a written application to become a primary
dealer, accompanied by supporting documents, which
can be preceded by electronic mail.
• Fulfill obligations as a primary dealer.
Peraturan Lainnya Other Regulations
Judul Nomor Regulasi Dampak terhadap Bank
Title Regulation No. Impact on Banks
Program Penjaminan Peraturan Lembaga • Memenuhi kewajiban yang berkaitan dengan status
Simpanan Penjamin Simpanan kepesertaan.
Nomor 1 Tahun 2023 • Menyimpan catatan data atau informasi tersebut di
Deposit Insurance atas dengan selanjutnya membuat surat pernyataan
Program Deposit Insurance yang membuktikan kebenarannya
Corporation Regulation
Number 1 of 2023 • Fulfill obligations related to membership status.
• Keep records of the data or information mentioned
above, and then make a statement proving its validity.
Devisa Hasil Ekspor dari Peraturan Pemerintah • Bank wajib menyesuaikan kebijakan dan prosedur
Kegiatan Pengusahaan, Nomor 36 Tahun 2023 terkait dengan penempatan dana Reksus DHE SDA
Pengelolaan, dan/atau kedalam 3 (tiga) instrumen.
Pengolahan Sumber Government regulations • Bank wajib memastikan bahwa dana nasabah eksportir
Daya Alam Number 36 of 2023 yang akan ditempatkan ke dalam ketiga instrumen
wajib berasal dari dana DHE SDA.
Foreign Exchange • Bank wajib memberikan penanda khusus (flag) untuk
Proceeds from Exports setiap instumen DHE SDA.
from Natural Resources
Business, Management • Banks are required to adjust policies and procedures
and/or Processing related to the placement of DHE SDA Reksus funds
Activities into 3 (three) instruments.
• Banks are required to ensure that exporter customer
funds that will be placed into the three instruments
must come from DHE SDA funds.
• Banks are required to provide a special marker (flag) for
each DHE SDA instrument.
PERUBAHAN KEBIJAKAN CHANGES IN ACCOUNTING POLICIES
AKUNTANSI DAN DAMPAKNYA AND ITS IMPACT ON FINANCIAL
TERHADAP LAPORAN KEUANGAN STATEMENTS
Bank Hana telah menerapkan beberapa standar Hana Bank has implemented several relevant
revisi yang relevan untuk Bank efektif per 1 Januari revised standards for the Bank effective January 1,
2023 sebagai berikut: 2023, as follows:
1. Amendemen PSAK 1: Penyajian Laporan 1. Amendment to PSAK 1: Presentation of Financial
Keuangan tentang Pengungkapan Kebijakan Statements on Disclosure of Accounting
Akuntansi; Policies;
2. Amendemen PSAK 1: Penyajian Laporan 2. Amendment to PSAK 1: Presentation of Financial
Keuangan tentang Klasifikasi Liabilitas sebagai Statements on Classification of Liabilities as
Jangka Panjang atau Jangka Pendek; Long-Term or Short-Term;
3. Amendemen PSAK 16: Aset Tetap tentang Hasil 3. Amendment to PSAK 16: Property and
Sebelum Penggunaan yang Diintensikan; Equipment on Intended Results Before Use;
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4. Amendemen PSAK 25: Kebijakan Akuntansi, 4. Amendment to PSAK 25: Accounting Policies,
Perubahan Estimasi Akuntansi dan Kesalahan Changes in Accounting Estimates and Errors on
tentang Definisi Estimasi Akuntansi; dan the Definition of Accounting Estimates; and
5. Amendemen PSAK 46: Pajak Penghasilan 5. Amendment to PSAK 46: Income Taxes on
tentang Pajak Tangguhan Terkait Aset dan Deferred Taxes Related to Assets and Liabilities
Liabilitas Yang Timbul Dari Transaksi Tunggal. Arising from a Single Transaction.
Perubahan standar revisi tersebut tidak berdampak The changes to the revised standards did not have
besar terhadap kebijakan akuntansi Bank serta a major impact on the Bank’s accounting policies
tidak juga berdampak besar terhadap jumlah yang and also did not have a major impact on the
dilaporkan pada tahun berjalan maupun tahun amounts reported in the current or previous year.
sebelumnya
INFORMASI KELANGSUNGAN BUSINESS CONTINUITY
USAHA INFORMATION
Hal-hal yang Berpotensi Berpengaruh Matters with Potentially Significant Impact on
Signifikan terhadap Kelangsungan Usaha Business Continuity
Tidak terdapat hal-hal signifikan yang There were no significant matters that affected
memengaruhi aktivitas Bank Hana sepanjang Hana Bank’s activities throughout the reporting
periode pelaporan. period.
Penilaian Manajemen atas Hal-hal Management Assessment on Matters with
yang Berpengaruh Signifikan terhadap Potentially Significant Impact on Sustainability
Kelangsungan
Manajemen telah melaksanakan penilaian Management has carried out an assessment of the
terhadap kemampuan Bank untuk melanjutkan Bank’s ability to continue business activities. Based
kegiatan usaha. Berdasarkan hasil penilaian on the results of this assessment, management is of
tersebut, manajemen berpendapat bahwa the opinion that the Bank has sufficient resources
Bank memiliki sumber daya yang cukup untuk to continue business in the future.
melanjutkan usaha di masa mendatang.
Manajemen juga mengukur bahwa tidak terdapat Management also ensures that there is no material
ketidakpastian material yang dapat menimbulkan uncertainty that could raise doubts about the
keraguan terhadap kinerja Bank. Oleh karena itu, Bank’s performance. Therefore, the Consolidated
Laporan Keuangan Konsolidasian telah disusun Financial Statements have been prepared on a
atas dasar usaha yang berkelanjutan. going-concern basis.
Asumsi yang Digunakan Manajemen dalam Assumptions Used by Management in
Melakukan Assessment Kelangsungan Usaha Conducting Business Continuity Assessments
Penggunaan asumsi menjadi bahan The use of assumptions is taken into consideration
pertimbangan manajemen dalam melakukan by management in conducting business continuity
asssement kelangsungan usaha. Asumsi tersebut assessments. These assumptions consist of external
terdiri dari asumsi eksternal dan internal. Asumsi and internal assumptions. External assumptions
eksternal digunakan untuk mengkaji indikator are used to study macroeconomic indicators such
makroekonomi, seperti Produk Domestik Bruto as Gross Domestic Product (GDP), inflation rate, and
(PDB), tingkat inflasi, dan nilai tukar. Sementara exchange rate. Meanwhile, internal assumptions are
itu, asumsi internal digunakan untuk menelaah used to review Financial Statements and indicators
Laporan Keuangan dan indikator pelaksanaan tata for the implementation of Bank governance.
kelola Bank
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Bank Hana berkomitmen untuk terus melakukan transformasi dan inovasi dalam merespons perkembangan dan tantangan bisnis demi meningkatkan kapabilitas organisasi. Pengembangan sumber daya manusia dan keandalan teknologi informasi merupakan salah satu fokus strategi Bank Hana. Selain itu, manajemen risiko juga terus disempurnakan sejalan dengan berbagai ketentuan peraturan perundang-undangan mengenai perbankan. Hana Bank is committed to continuous transformation and innovation in response to business development and challenges in order to improve organizational capabilities. Hana Bank’s strategy includes the development of human resources as well as the reliability of information technology. Furthermore, risk management is constantly refined in accordance with various provisions of banking laws and regulations.
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Sumber Daya Manusia
Human Resources
Sesuai dengan Peraturan Otoritas Jasa According to the Financial Services Authority (OJK)
Keuangan (OJK) Nomor 24 Tahun 2022 tentang Regulation No. 24 of 2022 on the Development of
Pengembangan Kualitas Sumber Daya Manusia the Quality of Human Resources (HR) of Commercial
(SDM) Bank Umum, yang dimaksud dengan Banks, the definition of HR includes the Board of
SDM mencakup Dewan Komisaris, Direksi, serta Commissioners, the Board of Directors, and all
seluruh karyawan, baik tetap maupun tidak employees, both permanent and non permanent.
tetap. PT Bank KEB Hana Indonesia (“Bank Hana”, PT Bank KEB Hana Indonesia (“Hana Bank”, “Bank”)
“Bank”) memandang seluruh SDM tersebut regards all human resources as valuable assets
merupakan aset yang sangat penting bagi Bank in supporting the Bank’s vision and mission, as
untuk mendukung pencapaian visi dan misi serta well as its short-term, long-term, and sustainable
target kinerja jangka pendek, jangka panjang, dan performance targets.
keberlanjutan Bank Hana.
Dalam mengelola SDM, Bank Hana melakukannya Hana Bank manages its human resources
secara profesional, objektif, berkelanjutan, in a professional, objective, sustainable, and
dan menyeluruh, sehingga tercipta SDM yang thorough manner in order to develop competent
unggul. Untuk mewujudkannya, Bank telah human resources. To achieve this, the Bank has
memiliki strategi pengembangan dalam rangka a development strategy in place to enhance HR
meningkatkan kompetensi SDM. competencies.
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Sejalan dengan target tersebut, pengelolaan SDM In line with this target, HR management at Hana
di Bank Hana fokus pada 3 (tiga) hal, yaitu: Bank focuses on 3 (three) aspects, namely:
1. Meninjau organisasi yang searah dengan target, 1. Organizational review in line with defined
sasaran, dan strategi yang telah ditentukan; targets, goals, and strategies;
2. Menyeleksi SDM melalui proses rekrutmen 2. Selecting human resources through a
sesuai kualifikasi; serta recruitment process according to the
3. Mengadakan program pengembangan qualification requirements; and
kompetensi bagi seluruh level organisasi. 3. Conduct competency development programs
for all levels of the organization.
Strategi Manajemen SDM
Human Resources Management Strategy
Bank Hana telah menyusun strategi pengembagan yang terintegrasi
untuk meningkatkan kompetensi SDM. Pengelolaan di fokuskan pada
beberapa aspek, yaitu :
Hana Bank has established development strategy In line with increasing the competency of
it’s Human Resources, The focus of implementation are on the following areas :
Meninjau organisasi yang Menyeleksi SDM melalui Melaksanakan program
searah dengan target, proses rekrutmen yang pengembangan
sasaran, dan strategi yang adil dan terbuka, serta kompetensi bagi
telah ditentukan. sesuai dengan klasifikasi karyawan di berbagai level
yang dibutuhkan. organisasi.
Organizational review to
ensure alignment with the Fair and transparent Competency development
set targets, objectives, and recruitment process in programs for employees
strategies. accordance with the at various levels in the
required qualifications. organization.
Rekrutmen Recruitment
Proses rekrutmen karyawan yang dilakukan oleh Hana bank’s recruitment process is conducted
Bank Hana dilakukan secara terbuka, adil, dan transparent, fair and according to the Bank’s
sesuai kebutuhan Bank. Rekrutmen tersebut requirements. Recruitment is carried out internally
dilakukan secara Internal melalui Internal Job through Internal Job Posting and Externally
Posting dan secara Eksternal melalui Employee through the Employee Referral Program, Career
Referral Program, Career Fair dan kerja sama Fair and collaboration with third parties.
dengan pihak ketiga.
Bagi calon karyawan yang dianggap memenuhi For candidates who meet the requirements,
syarat, selanjutnya mengikuti proses seleksi sesuai selection process will be proceeded in accordance
dengan kualifikasi, kompetensi dan kriteria yang with the predetermined qualifications,
telah ditetapkan. competencies and criteria.
Bank Hana memastikan untuk berlaku adil dalam Hana bank is committed to ensuring fairness in the
proses rekrutmen. Bank tidak memandang recruitment process. Bank makes no distinction
perbedaan jenis kelamin, suku, agama, ras, based on gender, ethnicity, religion and race or
maupun golongan politik. Pada tahun buku 2023, political class. In 2023, Bank recruited 244 new
Bank telah merekrut 244 karyawan baru. employees.
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Rincian komposisi karyawan Bank disampaikan Details of the composition of the Bank’s employees
pada Bab Profil Perusahaan yang terdapat dalam are presented in the Company Profile section of
Laporan Tahunan ini. this Annual Report.
Tingkat Perputaran Karyawan Employee Turnover
Pada tahun 2023, terdapat 208 orang karyawan In 2023, there were 208 employees who resigned
yang mengundurkan diri dari Bank Hana. from Bank Hana.
Sedangkan tingkat perputaran karyawan (turnover) Meanwhile, the employee turnover rate reached
mencapai 18,60%, lebih rendah dibandingkan 18.60%, which is lower than the rate in 2022 (22.27%).
tahun 2022 yang 22,27%. Rincian informasi The table below shows information regarding
perputaran karyawan diuraikan dalam tabel di employee turnover.
bawah ini.
Pangsa Pasar Aset Bank Hana Dibandingkan Bank Umum Nasional
Hana Bank’s Asset Market Share Compared to National Commercial Banks
Uraian 2023 2022 Description
Jumlah Karyawan 1.133 1.097 Total Number of Employees
Jumlah Karyawan Keluar 208 235 Number of Employees Left
Mengundurkan Diri 145 210 Resigned
Pensiun 6 4 Retired
Lainnya 57 21 Others
Tingkat Perputaran Karyawan (%) 18,60 22,27 Employee Turnover Rate (%)
Klasifikasi Karyawan berdasarkan Level Jabatan
Classification of Employees by Level of Position
251
Uraian 2023 2022 Description
Manajerial 366 359 Managerial 366
Penyelia 516 473 Supervisor
2023
Staf 251 265 Staff
Jumlah 1.133 1.097 Total
366
Klasifikasi Karyawan berdasarkan Status Kepegawaian
Classification of Employees by Employment Status 97
Uraian 2023 2022 Description
Tetap 1.036 972 Permanent
Kontrak 97 125 Contractual
2023
Jumlah 1.133 1.097 Total 1.036
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Klasifikasi Karyawan berdasarkan Tingkat Pendidikan
Classification of Employees by Educational Level 83 60
81
Uraian 2023 2022 Description
SLTA 60 54 High School
D3 81 77 Diploma
2023
S1 909 887 Bachelor
S2 83 79 Master
909
Jumlah 1.133 1.097 Total
Klasifikasi Karyawan berdasarkan Usia
Classification of Employees by Age 124 76
Uraian 2023 2022 Description
≤ 25 tahun 76 88 ≤ 25 years old
26 – 35 tahun 559 533 26 – 35 years old
2023
36 – 45 tahun 374 363 36 – 45 years old
374
≥ 46 tahun 124 113 ≥ 46 years old 559
Jumlah 1.133 1.097 Total
Klasifikasi Karyawan berdasarkan Jenis Kelamin
Classification of Employees by Gender 585
Uraian 2023 2022 Description
Pria 585 569 Male
Wanita 548 528 Female
2023
Jumlah 1.133 1.097 Total 548
Pengembangan Kompetensi Karyawan Employee Competency Development
Sesuai dengan POJK Nomor 24 Tahun 2022, Bank According to POJK No. 24 of 2022, the Bank is
wajib melakukan pengembangan kualitas SDM required to continuously improve the quality of
secara berkelanjutan. Selain telah menjadi mandat its human resources. In addition to the regulatory
regulasi, Bank Hana juga menyadari bahwa mandate, Hana Bank recognizes that the Bank’s
kelangsungan dan keberhasilan Bank dalam business continuity and success are inextricably
menjalankan bisnis tidak terlepas dari keberadaan linked to the availability of excellent human
SDM yang unggul. resources.
Untuk itu, Bank Hana memastikan terjadinya As a result, Hana Bank ensures that all employees
pemerataan bagi seluruh karyawan dalam have equal access to competency development
mendapatkan program pengembangan programs to enhance their knowledge, skills,
kompetensi untuk meningkatkan pengetahuan, and personal characteristics. The competency
kemampuan, dan atribut diri. Materi development materials are tailored to the needs of
pengembangan kompetensi tersebut diselaraskan both the Bank and each employee.
dengan kebutuhan Bank serta kebutuhan masing-
masing karyawan.
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Bank Hana juga memberikan program pelatihan Hana Bank also provides technology-based
technical skill dan soft skill berbasis teknologi technical and soft skills training programs to
kepada karyawan guna mengikuti perkembangan support employees in keeping up with the latest
digital terkini. Inisiatif tersebut merupakan salah digital developments. The initiative is part of the
satu komitmen Bank untuk meningkatkan Bank’s commitment to improving the competence
kompetensi dan kualitas pemahaman serta and quality of understanding and knowledge in
pengetahuan dalam pelaksanaan tugas dan the performance of job duties and responsibilities,
tanggung jawab pekerjaan serta wawasan as well as employees’ understanding of the
karyawan atas proses digitalisasi. digitalization process.
Pelaksanaan program pelatihan dalam rangka Training programs are implemented in the context
pengembangan kompetensi dilakukan melalui of competency development using a variety
beragam metode. Dari yang berupa in-house of methods. In-house training (offline/online),
training (luring/daring), public training, e-learning, public training, e-learning, talent development,
talent development, sosialisasi, workshop, town- socialization, workshops, town halls, and employee
hall, employee engagement, hingga learning/ engagement are all options for learning/sharing
sharing session. sessions.
Program Pengembangan Kompetensi Hana Bank Competency Development
Bank Hana Program
Kemampuan Teknis Program pelatihan untuk Training programs are designed
(Technical Skill) meningkatkan pengetahuan dan to improve employees’ technical
kemampuan teknis karyawan yang knowledge and skills in relation
terkait dengan pemenuhan tugas to the performance of duties and
dan tanggung jawab pekerjaan sesuai responsibilities within each employee’s
dengan bidang masing-masing area of expertise. Training program
karyawan. Topik–topik program topics include:
pelatihan tersebut mencakup:
1. Pengetahuan Umum Perbankan; 1. General Banking Knowledge;
2. APU dan PPT; 2. AML and CFT;
3. Digitalisasi dan Teknologi Informasi; 3. Digitalisation and Information
4. Perkreditan; dan Technology;
5. Pelatihan lainnya sesuai kebutuhan 4. Credit; and
masing-masing posisi atau jabatan. 5. Other training according to the needs
of each job or position.
Kemampuan Non- Program pelatihan untuk Training programs are designed
Teknis meningkatkan atribut diri dan to improve employees’ personal
(Soft Skill) perilaku karyawan yang terkait characteristics and behaviors related
dengan pemenuhan tugas dan to the performance of job duties and
tanggung jawab pekerjaan sesuai responsibilities in accordance with each
dengan bidang masing-masing employee’s field of expertise. Training
karyawan. Topik–topik program program topics include:
pelatihan tersebut mencakup:
1. Integrity and Morality; 1. Integrity and Morality;
2. Kemampuan Komunikasi dan 2. Communication and Negotiation
Negosiasi; Skills;
3. Kepemimpinan; 3. Leadership;
4. Problem Solving; dan 4. Problem Solving; and
5. Pelatihan lainnya sesuai kebutuhan 5. Other training according to the needs
masing-masing posisi atau jabatan. of each job or position.
Sertifikasi Wajib Program sertifikasi wajib dari Employees must follow regulatory
(Mandatory regulator yang harus diikuti oleh certification programs based on
Certificate) karyawan sesuai dengan jabatan dan their positions and job functions. The
fungsi kerja masing-masing. Program mandatory certification program
sertifikasi wajib tersebut mencakup: includes:
1. Manajemen Risiko; 1. Risk Management;
2. Wakil Perantara Pedagang Efek 2. Broker-Dealer Representative
Pemasaran (WPPE-P); Marketing (WPPE-P);
3. Sistem Pembayaran dan 3. Payment System and Rupiah Money
Pengelolaan Uang Rupiah (SPPUR); Management (SPPUR);
4. Treasury; dan 4. Treasury; and
5. Wakil Agen Penjual Efek Reksa 5. Representative Selling Agent of
Dana (WAPERD). Mutual Fund Securities (WAPERD).
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Akreditasi Program pelatihan yang bersifat Certification training programs (non-
(Accredited) sertifikasi (sertifikasi tidak wajib) mandatory certification) are attended
yang diikuti oleh karyawan dalam by employees in order to improve
rangka meningkatkan kompetensi competencies related to the fulfillment
terkait dengan pemenuhan tugas of job duties and responsibilities in
dan tanggung jawab pekerjaan accordance with each employee’s area
sesuai dengan bidang masing- of expertise. Some of the certification
masing karyawan. Beberapa program programs followed by employees
sertifikasi yang diikuti karyawan include the following:
antara lain:
1. Sertifikasi BNSP Manajemen SDM; 1. BNSP Human Resources
2. Certification Program Commercial Management Certification;
Banking & Credit Analyst; 2. Commercial Banking & Credit Analyst
3. Pendidikan Sertifikasi Auditor Certification Program;
Hukum Indonesia; 3. Indonesian Legal Auditor Certification
4. Certification Qualified Risk Education;
Management Professional (QRMP); 4. Qualified Risk Management
dan Professional (QRMP) Certification; and
5. Program lainnya sesuai kebutuhan 5. Other training according to the needs
masing-masing posisi atau jabatan. of each job or position.
Pada tahun 2023, Bank Hana telah merealisasikan In 2023, Hana Bank implemented training
program-program pelatihan yang berfokus programs that focus on improving employee
pada peningkatan kompetensi karyawan competencies in the form of technical skills, soft
dalam bentuk technical skill, soft skill (termasuk skills (including leadership), or accreditation, with
leadership) ataupun akreditasi yang disertai assessment serving as a measurement tool for
dengan assessment sebagai alat ukur terjadinya improving employee competencies. Furthermore,
peningkatan kompetensi karyawan. Selain itu, programs related to digitalization and information
program-program terkait digitalisasi dan teknologi technology are a key focus to increase employees’
informasi juga menjadi salah satu fokus utama guna understanding of current technological
meningkatkan pemahaman karyawan mengenai developments, particularly in the banking sector,
perkembangan teknologi saat ini, khususnya and their significance in supporting increased
sektor perbankan dan betapa pentingnya hal ini productivity, efficiency, and effectiveness, as well
dalam menunjang peningkatan produktivitas, as risk mitigation in employees’ work. Hana Bank’s
efisiensi dan efektivitas, serta mitigasi risiko dalam training activities are listed below, organized by
pekerjaan karyawan. Berikut uraian kegiatan directorate and program type.
pelatihan Bank Hana berdasarkan direktorat dan
jenis program yang diikuti.
Distribusi
Total Peserta
Direktorat Pelatihan Persentase (%)
Total Number of
Directorate Training Percentage (%)
Attendees
Distribution
Board of Directors/Board of Commissioners/Chief 15 15 100%
Business 218 218 100%
Compliance & Legal 79 79 100%
Consumer Banking 165 165 100%
Credit 67 67 100%
Finance 96 96 100%
HC & Operation 292 292 100%
Information Technology 134 134 100%
Report to CEO 43 43 100%
Risk 24 24 100%
Total *
1.133 1.133 100%
* Total peserta dan distribusi pelatihan pada tabel tidak termasuk karyawan tidak tetap
Total participants and training distribution in the table exclude non-permanent employees.
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Rincian Pelatihan Berdasarkan Jenis Program
Detailed Trainings Based on Type of Program
Total Peserta
Jenis Program Program Total Number of Type of Program
Attendees
In-house Training (luring/ 75 1085 In-house Training (luring/
daring) daring)
Public Training 130 192 Public Training
e-Learning 44 1133 e-Learning
Talent Development 32 52 Talent Development
Socialization/Workshop/ 37 530 Socialization/Workshop/
Town-hall Town-hall
Employee Engagement 7 550 Employee Engagement
Jumlah *
325 3.542 Total*
* Total peserta pada tabel tidak termasuk karyawan tidak tetap
Total participants and training distribution in the table exclude non-permanent employees
Biaya yang diinvestasikan Bank Hana untuk Hana Bank invested Rp11,409,466,624 in the
pelaksanaan program pelatihan di tahun 2023 implementation of training programs in 2023. The
sebesar Rp11.409.466.624,-. Rincian penggunaannya table below provides information on its application.
seperti diuraikan dalam tabel di bawah ini.
(dalam jutaan rupiah, kecuali dinyatakan lain) | (in million rupiah, unless stated otherwise)
Uraian 2023 2022 Description
Realisasi Dana Pendidikan 11.409 14.384 Realization of Educational
Fund
Rasio Dana Pendidikan % 3,56 3,15 Ratio of Educational Fund %
Penilaian Kinerja Karyawan Employee Performance Assessment
Penilaian kinerja karyawan Bank Hana dilakukan Hana Bank’s employee performance Assessment is
secara periodik setiap tahun. Parameter conducted periodically every year. The evaluation
penilaiannya menggunakan Key Perfomance parameters use the Key Performance Indicator
Indicator (KPI) dan target lain yang telah ditentukan (KPI) and other predetermined targets.
sebelumnya.
Bank menjadikan hasil penilaian tersebut The Bank uses the results of these assessments as
sebagai dasar pemberian penghargaan, promosi, the basis for awards, promotions, remuneration,
remunerasi, dan fasilitas kesejahteraan lainnya. and other welfare facilities.
Fasilitas dan Kesejahteraan Facilities and Benefits
Bank Hana memiliki kebijakan penyediaan fasilitas Hana Bank’s policy is to provide facilities and
dan kesejahteraan kepada karyawan selaras benefits to employees in accordance with
dengan peraturan perundang-undangan yang applicable national, provincial, and district/city laws
berlaku, baik di tingkat nasional, provinsi, maupun and regulations. In addition to complying with
kabupaten/kota. Selain bentuk kepatuhan terhadap regulations, the facilities and benefits show the
regulasi, pemberian tersebut juga sebagai bentuk Bank’s appreciation for its employees.
apresiasi Bank kepada karyawan.
Untuk upah minimum misalnya, semuanya For example, the Bank’s minimum wage refers to
sudah mengacu standar yang ditetapkan dalam the standards set by the provincial minimum wage
Upah Minimum Provinsi atau Upah Minimum or the regency/city minimum wage (UMP/UMK). In
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Kabupaten/Kota (UMP/UMK). Selain itu, Bank addition, the Bank also provides remuneration that
juga memberikan remunerasi yang layak dan is appropriate and competitive within the industry,
kompetitif di lingkungan industri, dengan taking into the Bank’s performance.
mempertimbangkan kinerja Bank.
Penghargaan dan Sanksi Appreciation and Sanction
Bank Hana telah memiliki kebijakan dalam Hana Bank has a policy of rewarding and
pemberian penghargaan dan sanksi kepada sanctioning all employees. Awards are given to
seluruh karyawan. Penghargaan diberikan employees who perform well, with categories:
terhadap karyawan yang memiliki kinerja baik, 1. Outstanding exemplary employee; and
dengan kategori: 2. Outstanding work unit.
1. Karyawan teladan berprestasi; dan
2. Unit kerja berprestasi.
Sedangkan sanksi diberikan kepada karyawan Meanwhile, sanctions are imposed on employees
yang tidak patuh terhadap peraturan yang telah who do not comply with the rules and regulations
ditetapkan oleh Bank maupun pemerintah. set by the Bank and the Government. The provision
Pemberian sanksi tersebut bertujuan agar of sanctions is intended to make employees more
karyawan lebih berhati-hati dalam bertindak dan careful in their actions and not commit offenses,
tidak melakukan pelanggaran, terutama berupa especially in the form of criminal acts.
tindakan pidana.
Jenis sanksi yang diberikan disesuaikan dengan The nature of the sanction will depends on the
tingkatan pelanggaran yang dilakukan. Apabila seriousness of the offense committed. If necessary,
diperlukan, Bank dapat menempuh jalur hukum. the Bank may take legal action.
Program Pensiun Retirement Program
Bank Hana telah memiliki program pensiun sebagai Hana Bank has a pension program in recognition of
apresiasi atas pengabdian karyawan. Program ini the service of its employees. This program aims to
bertujuan agar kesejahteraan karyawan setelah maintain the welfare of employees after retirement.
pensiun tetap terjaga.
Dalam program pensiun tersebut, Bank With the employee retirement program, the Bank
mengikutsertakan seluruh karyawan dalam includes all of its employees in the pension plan
program jaminan dana pensiun yang organized by the Employment Social Security
diselenggarakan oleh Badan Penyelenggara Agency (BPJS Ketenagakerjaan). The functions
Jaminan Sosial (BPJS) Ketenagakerjaan. Adapun and benefits of this scheme are to provide income
fungsi dan manfaat dari program ini adalah when employees reach retirement age, are at risk
memberikan penghasilan ketika karyawan of permanent total disability, or have an inheritance
memasuki usia pensiun, mengalami risiko cacat benefit for the employee’s family. In 2023, the
total tetap, hingga karyawan meninggal dunia. number of retired employees was 6 people, or
Pada tahun 2023, jumlah karyawan pensiun 0.53% from the total of 1,133 employees.
mencapai 6 orang atau 0,53% dari total 1.133 orang
karyawan.
Pembentukan Lingkungan Kerja yang Establishing a Great Working
Kondusif Environment
Bank Hana menyediakan berbagai fasilitas dan Hana Bank provides various facilities and services to
sarana kepada karyawan, di antaranya sarana employees, including worship facilities, employee
ibadah, program employee gathering yang gathering, which are carried out 2 (two) times per
dilakukan sebanyak 2 (dua) kali setiap tahun, year, as well as sports facilities and fitness benefits.
serta sarana olahraga dan tunjangan kebugaran. The entire program is carried out with the aim
Seluruh program tersebut dilakukan dalam rangka of creating a conducive, comfortable, and safe
membentuk lingkungan kerja yang kondusif, working environment.
nyaman, dan aman.
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Lingkungan Kerja yang Nyaman Comfortable Working Environment
Manajemen Bank Hana berupaya senantiasa Hana Bank’s management strives to always
menjaga hubungan kerja sama yang harmonis maintain a harmonious working relationship with
dengan seluruh karyawan. Hal tersebut dikarenakan all employees. It believes that this can have a positive
dapat berdampak positif terhadap peningkatan impact on increasing employee productivity.
produktivitas karyawan.
Hubungan yang baik di antara para karyawan Good engagement amongst employees are
juga diharapkan dapat memberikan kenyamanan also expected to provide comfort and improve
dan mempererat komunikasi di lingkungan kerja, communication in the workplace, as well as to keep
serta menjaga kondisi perbankan agar tetap stabil, banking relationship stable both internally and
baik dari lingkup internal maupun eksternal Bank. externally.
Dalam lingkungan kerja yang nyaman, Bank Within comfortable working environment, the Bank
menciptakan budaya komunikasi antar karyawan, fosters a culture of communication and cooperation
kerja sama antar karyawan termasuk keterlibatkan among employees, involving employees and
antara karyawan dengan perwakilan perusahaan Company representatives on ongoing basis. As
secara berkesinambungan. Oleh karenanya, a result, management provides facilities in the
manajemen menyediakan sarana/wadah dalam form of positive communication forums to foster
bentuk forum komunikasi yang positif untuk harmonious and conducive industrial relations,
menciptakan hubungan industrial yang harmonis such as:
dan kondusif baik seperti: 1. Through sports activities in which various
1. Melalui kegiatan/aktivitas olahraga yang diikuti categories of employees, both local and
oleh berbagai lini karyawan baik lokal maupun expatriate, including outsourcing employees,
expatriate termasuk karyawan alih daya. Adapun participate. Sports activities include basketball,
kegiatan olahraga yang diselenggarakan mini soccer, badminton, table tennis, Hana Run,
seperti basket, mini soccer, badminton, tenis hiking, and golf, as well as gym activities at the
meja, Hana Run, hiking, golf maupun kegiatan fitness center that are provided in the form of
gym di fitness center yang disediakan dalam facilities and infrastructure, including fitness
bentuk menyediakan sarana dan prasarana allowances.
termasuk tunjangan kebugaran.
2. Program ramah tamah (jamuan bersama) 2. A hospitality program (dining gathering) for
untuk setiap unit kerja yang dapat digunakan each work unit that can be organized every
setiap semester. semester.
3. Hana Quarterly Meeting dihadiri oleh seluruh 3. Hana’s Quarterly Meeting is attended online by
karyawan dari kantor pusat hingga cabang all employees, from head office to branches, as
secara daring dalam melakukan update update on the update on the achievement of
pencapaian target kinerja maupun penentuan performance targets and set the direction of the
arah dari strategi perusahaan. company’s strategy.
4. Hana Award yang diberikan kepada karyawan- 4. Hana Award, which is presented to employees
karyawan berprestasi dan berinovasi di masing- who have excelled and created innovation in
masing bidangnya sebagai bentuk apresiasi their respective fields, as a form of recognition
dari perusahaan atas pencapaian kinerja. from the Company for their achievements.
Seluruh kegiatan tersebut melibatkan karyawan All of these activities, which involve employees
Kantor Pusat dan Kantor Cabang serta berfungsi from Head Office and Branches, serve as a joint
sebagai fasilitas kebersamaan dalam menjaga effort in maintaining communication relations
hubungan komunikasi antara perusahaan dengan between the Company and its employees and
karyawan dan memberikan kesempatan dalam provide opportunities to create discussion forums
menciptakan forum diskusi terhadap berbagai on various management policies, focusing both on
kebijakan manajemen baik yang terfokus pada employee issues and on the Company’s strategies
hal kekaryawanan maupun strategi perusahaan (vision, mission, and corporate values), by providing
(visi, misi & nilai perusahaan). Dengan memberikan open and comprehensive explanations directly
penjelasan yang terbuka dan komprehensif secara from trusted sources to the employees concerned
langsung dari narasumber terpercaya kepada and minimizing the circulation of negative or
karyawan yang bersangkutan dan meminimalisir slanted news that can disrupt the stability of work
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beradarnya berita negatif atau berita miring and cause a non-conducive work environment in
yang dapat mengganggu stabilitas kerja dan the Company.
kondusifitas kerja di perusahaan.
Manajemen mengutamakan pendekatan secara Management prioritizes on personal approach
pribadi approach dalam menghadapi keluh kesah in dealing with employee complaints through a
dari setiap karyawan melalui forum komunikasi communication forum provided by the Company,
yang telah disediakan oleh perusahaan dan setiap where any suggestions, criticisms, or complaints
saran, kritik ataupun keluhan dapat ditampung can be accommodated and channeled to the
dan disalurkan kepada manajemen terkait sebagai relevant management for consideration in
bahan pertimbangan dalam menentukan suatu determining future policy.
kebijakan untuk kedepannya.
Melaksanakan hubungan industrial yang harmonis The establishment of harmonious labor relations
antara perusahaan dengan karyawan merupakan between the Company and its employees is critical
hal yang sangat fundamental sebagai komitmen because it represents a shared commitment to
bersama dalam mewujudkan visi, misi dan nilai- realizing Hana Bank’s vision, mission, and values, as
nilai Bank Hana serta mewujudkan strategi bisnis well as implementing the Bank’s business strategy,
Bank dalam tujuan menciptakan kesejahteraan in order to jointly create prosperity and success for
dan keberhasilan bank secara bersama-sama. the Bank.
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Teknologi Informasi
Information Technology
Penerapan, pengelolaan dan pengembangan The implementation, management, and
Teknologi Informasi (TI) di lingkungan PT Bank development of information technology (IT) within
KEB Hana Indonesia (“Bank Hana”, “Bank”) tidak PT Bank KEB Hana Indonesia (“Hana Bank,” “Bank”)
hanya mengacu pada praktik yang berkembang not only refers to the emerging practices in the
di industri, tetapi juga selaras dengan peraturan industry but is also in line with statutory regulations.
perundang-undangan. Di antaranya, Peraturan Among them is Financial Services Authority
Otoritas Jasa Keuangan (POJK) Nomor 11/ Regulation (POJK) Number 11/POJK.03/2022 on
POJK.03/2022 tentang Penyelenggaraan Teknologi the Implementation of Information Technology by
Informasi oleh Bank Umum. Commercial Banks.
Dalam regulasi tersebut, antara lain ditegaskan The regulation emphasized, among other things,
bahwa penyelenggaraan TI bertujuan untuk that IT implementation aims to provide optimal
memberikan manfaat yang optimal: mendukung benefits, including supporting the development of
perkembangan usaha Bank, pencapaian tujuan the Bank’s business, achieving the Bank’s business
bisnis Bank, serta kelangsungan pelayanan objectives, and providing continuity of service to
terhadap nasabah Bank. Bank customers.
Apalagi, Bank Hana menyadari bahwa industri Moreover, Hana Bank acknowledges that
perbankan sangat berkaitan erat dengan sistem the banking industry is closely related to the
teknologi informasi, khususnya dalam hal information technology system, particularly in
pelaksanaan aktivitas operasional dan pelayanan terms of operations and customer services. As
kepada nasabah. Oleh karena itu, Bank terus such, Hana Bank pursues the improvement of
berupaya meningkatkan penggunaan. information technology utilization in line with the
latest technological developments in a good and
safe manner.
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Tata Kelola Teknologi Informasi Information Technology Governance
Bank Hana menyadari bahwa pemanfaatan Hana Bank is aware that the utilization of
teknologi informasi berpotensi meningkatkan information technology is likely to increase the
eksposur risiko bagi Bank, sehingga risk exposure to the Bank; thus, the Bank needs
perlu memperkuat tata kelola dalam to improve the implementation of its GCG. This
penyelenggaraannya. Inisiatif ini bertujuan agar initiative aims to ensure that the implementation
penyelenggaraan teknologi informasi dapat of information technology can provide added value
memberikan nilai tambah bagi Bank melalui for the Bank by optimizing resources to mitigate
optimalisasi sumber daya untuk memitigasi risiko risks.
yang dihadapi.
Dalam menerapkan tata kelola teknologi In implementing information technology
informasi, Bank telah memiliki “IT Good Corporate governance, the Bank has established “IT Good
Governance”. Panduan ini sebagai acuan untuk Corporate Governance.” It is a guide for managing
mengelola teknologi informasi dan strategi TI, information technology and IT strategy, supporting
mendukung pertumbuhan bisnis dan memperoleh business growth and obtaining new business
peluang bisnis baru, manajemen risiko teknologi opportunities, ensuring adequate technology
yang memadai, serta bertanggung jawab terhadap risk management, and being responsible for
sumber daya teknologi informasi. information technology resources.
Pengelolaan TI di lingkungan Bank dikelola The Bank’s IT management is managed by
oleh Direktorat Teknologi Informasi. Direktorat the Information Technology Directorate. This
tersebut memiliki fungsi untuk mengarahkan, directorate is accountable for directing, controlling,
mengendalikan, serta mengevaluasi perencanaan and evaluating information technology system
dan aktivitas sistem teknologi informasi di planning and activities within the Bank.
lingkungan Bank.
STRATEGI DAN KEBIJAKAN STRATEGIES AND POLICIES
Pengembangan TI Bank Hana terus menyesuaikan Hana Bank’s IT development continues to respond
diri dengan kebutuhan nasabah, di samping adequately to customer needs as well as support
mampu mendukung percepatan pertumbuhan the accelerated growth of the Bank’s business as a
bisnis Bank sebagai yang terdepan dalam digital leader in digital banking. In terms of formulating its
banking. Penerapan TI Bank juga memperhatikan IT implementation strategy, the Bank also considers
kondisi makro ekonomi dan industri perbankan, macroeconomic and banking industry conditions,
persaingan dan kompetisi yang terjadi, hingga competition that occurs, and adjustments to the
penyesuaian kenormalan baru. new normal.
Untuk merespons tantangan yang ada serta Throughout 2023, in responding to challenges
dalam rangka pemenuhan kebutuhan bisnis Bank, and fulfilling its business needs, Hana Bank
Bank Hana menerapkan strategi dan kebijakan implemented IT development strategies and
pengembangan TI sepanjang tahun 2023 sebagai policies as follows:
berikut:
1. Mengembangkan proyek-proyek terkait TI 1. Developing IT-related projects, particularly in
khususnya dalam bidang kontrol, risiko the areas of control, risk and regulation, revenue
dan peraturan, pertumbuhan pendapatan, growth, technology updates and banking
penyegaran teknologi dan operasional operations.
perbankan.
2. Melakukan pengembangan dan pemanfaatan 2. Conducting banking service development and
secara luas layanan digital banking utilization extensively.
3. Melanjutkan implementasi proyek Rebuild Core 3. Continuing the implementation of the Rebuild
Banking HOBIS Core Banking HOBIS project.
4. Melakukan pengamanan secara proaktif di 4. Proactively carrying out security across IT
seluruh sistem serta infrastruktur TI guna systems and infrastructure to avoid risks and
menghindari risiko dan ancaman terhadap threats to cyber security.
keamanan siber.
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5. Melanjutkan program-program pelatihan 5. Conducting training programs continuosly
pengembangan kualitas sumber daya manusia to improve the quality of human resources by
dengan melakukan re-skill & up-skilling serta implementing re-skilling & up-skilling as well
menyelenggarakan program pendidikan as organizing special IT education programs
khusus TI untuk fresh graduate dalam for fresh graduates to produce skilled workers,
menghasilkan tenaga kerja ahli khususnya di especially in the IT field.
bidang TI.
Pelatihan dan Pengembangan SDM di HR Training and Development in the
Bidang Teknologi Informasi Information Technology Sector
Manajemen Bank Hana mendukung kegiatan Hana Bank management supports IT competency
pengembangan kompetensi di bidang TI, sehingga development activities in order to form high-quality,
dapat membentuk Sumber Daya Manusia (SDM) superior, and competitive Human Resources (HR).
yang berkualitas, unggul, mampu bersaing. In addition, the employees will eventually be able
Selan itu, mampu menerapkan teknologi secara to apply technology appropriately in developing
tepat dalam mengembangkan sistem teknologi reliable and safe information technology systems.
informasi yang andal dan aman.
Pengembangan kompetensi tersebut, diharapkan Hana Bank expects that these competency
juga dapat mendukung aktivitas teknis dan non development activities can also support the Bank’s
teknis Bank. Kegiatan pengembangan tersebut technical and non-technical activities. These
diselenggarakan secara berkala, baik oleh pihak development activities are held periodically, both
internal ataupun pihak eksternal. by internal and external parties.
Pada tahun 2023, realisasi pengembangan In 2023, the realization of competency development
kompetensi di bidang TI diuraikan melalui tabel di in the IT sector is described in the table below:
bawah ini.
Tema Pelatihan/Pengembangan Jumlah Tempat dan Waktu
Penyelenggara
Kompetensi Peserta Pelaksanaan
Training Host Security Module (HSM) 5 Bank Hana dengan PT Dymar Kantor Pusat,
Jaya Indonesia 4-5 Januari 2023
Sistem Manajemen Keamanan 24 Bank Hana dengan Robere & Kantor Pusat,
Informasi (Awareness ISO/IEC 27001- Associates 2 Maret 2023
2013)
Dymar Customer Conference 2023 2 PT Dymar Jaya Indonesia Four Points by
Sheraton Ungasan,
9–11 Maret 2023
Training Database Design with 6 Bank Hana dengan Binus Kantor Pusat,
Microsoft SQL Server Center 20-21 Maret & 27-29
Maret 2023
Scrum.org Professional Scrum Master 2 PT Adaptiva Sinergi Asia The Westin Hotel,
(PSM I) 10-11 Mei 2023
Interpersonal Skill Training 25 Bank Hana dengan Dody Kantor Pusat,
Triasmara 22 & 23 Mei 2023
Project Management Professional 1 PT eNetwoQ ServIT Indonesia Fave Hotel,
(PMP) 19-23 Juni 2023
Data Processing with Microsoft Excel 9 Bank Hana dengan Kelvin Kantor Pusat,
Training 20 & 21 Juni 2023
Creative Problem Solving Training 14 Bank Hana dengan Rifki Rizal Kantor Pusat,
23 Juni & 10 Juli 2023
Effective Communication & 6 Bank Hana dengan Dody Kantor Pusat,
Relationship Building Skills Triasmara 27 Juni 2023
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Tema Pelatihan/Pengembangan Jumlah Tempat dan Waktu
Penyelenggara
Kompetensi Peserta Pelaksanaan
Pelatihan Teknik Komunikasi Persuasif 19 Bank Hana dengan Rudy Kantor Pusat,
dalam Bernegosiasi & Mengemukakan Langitan 4 & 5 Juli 2023
Pendapat
VMware vSphere Fundamentals 4 PT Brainmatics Indonesia Kantor Pusat,
Training Cendekia 8-15 Juli 2023
Root Cause Analysis Training 3 Bank Hana dengan Rifki Rizal Kantor Pusat,
13 Juli 2023
Project Management Training 2 Bank Hana dengan Prihadi Kantor Pusat,
3-4 Agustus 2023
Business Writing Skill Training 8 Bank Hana dengan Mahaka Kantor Pusat,
Institute 8 Agustus 2023
Pelatihan Personal Foundation 1 Bank Hana dengan Luthfi N Kantor Pusat,
15 Agustus 2023
Komunikasi dan Negosiasi "Getting to 10 Bank Hana dengan Rudy Kantor Pusat,
Yes" Langitan 7 September 2023
Spring Boot Microservices Training 3 PT Brainmatics Indonesia Kantor Pusat,
Cendekia 8-18 September 2023
Effective Interpersonal Management 1 Bank Hana dengan Dody Kantor Pusat,
Triasmara 14 September 2023
Enhancing Self Development 11 Bank Hana dengan Dody Kantor Pusat,
Triasmara 19 September 2023
Impactful Presentation Skill 3 Bank Hana dengan Dody Kantor Pusat,
Triasmara 20 September 2023
Analytical Thinking Training 3 Bank Hana dengan Rifki Rizal Kantor Pusat,
27 September 2023
General Banking Knowledge 68 Bank Hana Zoom Meeting,
4-18 Oktober 2023
Integrity & Morality Program 42 Bank Hana dengan Learning Kantor Pusat,
Resources 13 Oktober 2023
Structure Thinking for Problem Solving 5 Bank Hana dengan Rifki Rizal Kantor Pusat,
Training 17 Oktober 2023
Spring Boot Microservices 29 PT Brainmatics Indonesia Kantor Pusat,
Fundamentals Training Cendekia 21 Oktober-11
November 2023
& 11 November-9
Desember 2023
Front End Interface Technical Training 51 Next TI Kantor Pusat,
19 & 20 Oktober 2023
Java-IntelliJ-GitLab Training 55 Next TI Kantor Pusat,
23 & 24 Oktober 2023
Accounting Module & APIM Technical 55 Next TI Kantor Pusat,
Skill Program 13,14,21,22 November
2023
Best Infrastructure & Architecture 51 Next TI Kantor Pusat,
Review 6 & 12 Desember 2023
Rebuild HOBIS Java Spring Batch 55 Next TI Kantor Pusat,
Training Program 13 & 14 Desember 2023
Card Refreshment - Rebuild HOBIS 62 Next TI Kantor Pusat,
19 & 20 Desember
2023
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Investasi Teknologi Informasi Investment in Information Technology
Bank Hana menganggarkan investasi Hana Bank has allocated a budget for IT
pengembangan TI, terutama untuk mendukung development investment, especially to facilitate
kegiatan operasional Bank serta meningkatkan the Bank’s operations and improve services to
layanan kepada nasabah. Pada tahun 2023, total customers. In 2023, the total investment realized
investasi yang direalisasikan mencapai Rp246 reached Rp246 billion, an increase of 50% compared
miliar, naik 50% dibandingkan tahun 2022 yang to 2022, amounting to Rp164.0 billion.
sekitar Rp164,0 miliar.
(dalam miliar rupiah) | (in billion rupiah)
Uraian 2023 2022 Description
Capital Expenditure 174.85 107.75 Capital Expenditure
Operational Expenditure 70.9 56.21 Operational Expenditure
Jumlah 245.83 163.96 Total
Pelaksanaan Sistem Teknologi Implementation of Information
Informasi Tahun 2023 Technology System in 2023
Pada tahun 2023, pengembangan yang In 2023, the Information Technology Directorate
direalisasikan oleh Direktorat Teknologi Informasi realized IT developments as follow:
antara lain:
1. IT Rebuild: Melanjutkan pengembangan 1. IT Rebuild: Continuing the development of
sistem piranti lunak untuk proses yang bisa software systems for process automation
diautomasi mengikuti perkembangan jaman following current developments, the Bank’s
yang menjadi menandai perjalanan Bank commitment to building a strong foundation
dalam komitmennya untuk membangun in providing customer-centered products,
landasan yang kuat dalam menghadirkan superior operational services, and sustainable
produk yang berpusat pada nasabah, layanan partner collaboration in order to anticipate
operasional yang unggul, kolaborasi mitra yang digital security threats.
berkelanjutan dalam rangka mengantisipasi
ancaman keamanan digital.
2. Security system: Memperkuat kemampuan 2. Security system: Strengthening cyber security
dan kapasitas cyber security untuk lebih capabilities and capacity to be more proactive
proaktif dalam meningkatkan keamanan IT in improving IT security by anticipating virus,
dalam mengantisipasi ancaman virus, malware malware threats and mitigating digital risks by
dan memitigasi risiko-risiko digital dengan updating the incident management platform
memperbaharui platform insiden manajemen and automating security testing on applications.
serta otomasi pengujian keamanan pada
aplikasi.
DIGITAL BANKING DIGITAL BANKING
Dengan kemudahannya, kehadiran digital banking Digital banking offers convenience for customers
saat ini mampu mendukung transaksi perbankan by supporting banking transactions for essential
nasabah untuk kebutuhan esensial secara online needs online and practically. Hana Bank records
dan praktis. Bank Hana mencatat bahwa mayoritas that the majority of customer transactions are
transaksi nasabah saat ini dilakukan melalui currently conducted through various digital
berbagai kanal atau aplikasi digital. Karena itu, Bank channels or applications. For this reason, the Bank
akan terus memusatkan layanan yang optimal will continue to focus on providing optimal services
pada branchless banking, customer experience, in branchless banking, customer experience, and
proses penjualan pada kanal-kanal digital (digital digital sales enablement, as well as increasing the
sales enablement), serta peningkatan kemampuan capabilities of the mobile banking system.
sistem mobile banking.
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Bank Hana juga memberikan layanan digital Hana Bank also provides digital banking services
banking dalam hal layanan transaksi finansial, non- for financial and non-financial transactions and
finansial, dan pembukaan rekening yang berbasis opening mobile application-based accounts.
aplikasi mobile. Produk digital banking menjadi Digital banking products are one way for the Bank
salah satu cara bagi Bank untuk meningkatkan to improve its facilities and services. Until the end
fasilitas dan layanannya. Hingga akhir tahun 2023, of 2023, Hana Bank has offered a variety of digital
Bank Hana telah memiliki beragam produk digital banking products, including MyHana Mobile
banking, di antaranya meliputi MyHana Mobile Banking, Internet Banking, LINE Bank by Hana
Banking, Internet Banking, LINE Bank by Hana Bank, Corporate Banking System (CBS), and Call
Bank, Corporate Banking System (CBS), Call Center Center 1-500-021, which facilitates customers to
1-500-021 yang membantu dan memudahkan fulfill and obtain information about banking.
nasabah dalam memenuhi dan mendapatkan
informasi seputar perbankan.
PENGEMBANGAN DUKUNGAN PRODUK PRODUCT SUPPORT DEVELOPMENT
Pada tahun 2023, Bank Hana menjalankan beberapa In 2023, Hana Bank carried out several IT
inisiatif penerapan TI dalam pengembangan implementation initiatives in the development of
produk Bank sebagai berikut: Bank products as follows:
1. Meneruskan pengembangan fitur-fitur BI-FAST 1. Continuously developing BI-FAST features as
sebagai bagian dari layanan transfer dari Bank part of transfer services from Bank Indonesia on
Indonesia di beberapa kanal-kanal digital milik several digital channels owned by Hana Bank;
Bank Hana; 2. Development of MyHana Mobile Banking
2. Pengembangan aplikasi MyHana Mobile application with the addition feature of the
Banking dengan penambahan fitur Hana Hana AIdvisor;
AIdvisor;
3. Pembaharuan aplikasi sistem CASH; 3. Updating CASH system application;
4. Penambahan fitur-fitur baru dalam aplikasi 4. Added new features in the internet banking
internet banking untuk nasabah ritel dan CBS application for retail customers and CBS for
untuk nasabah korporasi. corporate customers.
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MANAJEMEN RISIKO
Risk Management
Penerapan manajemen risiko di lingkungan PT Bank KEB Hana Indonesia (“Hana Bank,” “Bank”)
PT Bank KEB Hana Indonesia (“Bank Hana,” “Bank”) has implemented risk management in all aspects
telah dilakukan pada seluruh aspek kegiatan usaha of its business. This is done in an effective, directed,
Bank. Hal itu dilakukan secara efektif, terarah, dan and systematic manner based on the Bank’s size
sistematis sesuai ukuran dan kompleksitas Bank. and complexity.
Implementasi manajemen risiko tersebut The goal of risk management is to manage
bertujuan untuk mengelola risiko Bank, sehingga the Bank’s risks and minimize potential losses.
dapat meminimalkan potensi kerugian. Selain Furthermore, it is hoped that risk management
itu, melalui pengeleloan risiko, diharapkan dapat will help the Bank achieve business targets in
mendukung pencapaian target usaha sesuai accordance with its vision and mission.
dengan visi dan misi Bank.
Struktur Pengelola Manajemen Risiko Risk Management Structure
Bank Hana telah memiliki organisasi dan kerangka Hana Bank has an adequate risk management
kerja manajemen risiko yang memadai, serta organization and framework in place, as well as
memiliki tugas dan tanggung jawab yang jelas clear and independent duties and responsibilities
dan independen dalam menjalankan fungsinya. when carrying out its functions. Risk management
Pelaksanaan manajemen risiko telah dilakukan has been implemented at all organizational levels
pada seluruh tingkatan organisasi dan dalam setiap and in all Bank business activities, including
kegiatan usaha Bank, termasuk pengendalian internal controls, to improve risk identification,
internal dalam rangka memperkuat aspek-aspek measurement, supervision, and control aspects.
identifikasi risiko, pengukuran risiko, pengawasan
risiko, dan pengendalian risiko.
Chief Risk Officer mengepalai Fungsi Manajemen The Risk Management Function is led by the
Risiko sebagai organ yang bertanggung jawab Chief Risk Officer, who is in charge of managing
dalam pengelolaan sistem manajemen risiko Bank. the Bank’s risk management systems. The Risk
Fungsi Manajemen Risiko bekerja sama dengan Management function works with other work units,
unit kerja lain, seperti Satuan Kerja Audit Internal, such as the Internal Audit Work Unit, Compliance
Satuan Kerja Kepatuhan, unit bisnis, unit kerja Work Unit, business units, operational work units,
operasional, dan unit kerja pendukung lainnya and other supporting work units, to implement
dalam proses implementasi manajemen risiko comprehensive risk management. in all aspects of
yang komprehensif pada seluruh aspek usaha the Bank’s business.
Bank.
Komite Manajemen Risiko yang berada di bawah The Risk Management Committee, which is under
Direksi bertugas untuk memastikan Bank memiliki the Board of Directors, is responsible for ensuring
kerangka manajemen risiko yang efektif dan that the Bank has an effective risk management
memberikan rekomendasi kepada Direktur Utama framework in place and making recommendations
terkait penerapan manajemen risiko di Bank to the President Director on how risk management
Hana. Pengelolaan risiko Bank juga dilakukan should be implemented at Hana Bank. Bank risk
oleh komite di bawah Dewan Komisaris, yaitu management is also carried out by a committee
Komite Pemantau Risiko. Selanjutnya, Komite under the Board of Commissioners, known as
Pemantau Risiko akan melakukan evaluasi tentang the Risk Monitoring Committee. Furthermore,
kesesuaian antara kebijakan manajemen risiko the Risk Monitoring Committee will assess
dengan penerapannya, termasuk memantau the suitability of risk management policies
pelaksanaan tugas Komite Manajemen Risiko dan and their implementation, as well as monitor
Fungsi Manajemen Risiko. the implementation of the Risk Management
Committee and the Risk Management Function’s
duties.
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Struktur Organisasi Manajemen Risiko
Risk Managemnt Organization Structure
Board of Commissioners
President Director
Komite Manajemen Risiko
Chief Risk Officer
Risk Management
Transaction
Loan Review Non Credit Risk Credit Risk Anti Fraud
Monitoring
Sertifikasi Manajemen Risiko Risk Management Certification
Efektivitas penerapan sistem manajemen risiko Qualified human resources with relevant
pada Bank Hana didukung oleh SDM yang competencies in their respective fields support
berkualitas dan memiliki kompetensi terkait the effectiveness of Hana Bank’s risk management
di bidang masing-masing. Direksi, pengelola system implementation. The Board of Directors,
manajemen risiko, serta unit kerja terkait yang risk management managers, and related work
bertanggung jawab dalam pelaksanaan sistem units responsible for implementing Hana Bank’s
manajemen risiko Bank Hana dituntut untuk risk management system must have the necessary
memiliki kemampuan yang sesuai dengan capabilities based on their respective divisions of
pembagian tugas masing-masing. duties.
Terkait hal tersebut, Bank Hana mengikutsertakan Subsequently, Hana Bank invites relevant
karyawan terkait untuk mengikuti program employees to participate in the Risk Management
Sertifikasi Manajemen Risiko. Informasi terkait Certification Program. The following information
program Sertifikasi Manajemen Risiko yang relates to Hana Bank’s Risk Management
dilaksanakan Bank Hana tahun 2023 diungkapkan Certification Program, implemented in 2023.
sebagai berikut:
Tingkat Kewajiban SMR Sudah Memenuhi SMR Belum Memenuhi SMR
Level Mandatory RMC RMC Compliant RMC Non-Compliant
7 7 7 0
6 3 3 0
5 52 45 7
4 222 197 25
Total 284 252 32
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Sistem dan Infrastruktur Manajemen Risk Management Systems and
Risiko Infrastructure
Pelaksanaan manajemen risiko di Bank Hana The implementation of risk management at Hana
berpedoman pada beberapa peraturan, terutama Bank is guided by several regulations, especially
peraturan berikut: the following:
1. Peraturan Otoritas Jasa Keuangan No. 18/ 1. Financial Services Authority Regulation No. 18/
POJK.03/2016 dan Surat Edaran Otoritas Jasa POJK.03/2016 and Financial Services Authority
Keuangan No. 34/SEOJK.03/2016 tentang Circular No. 34/SEOJK.03/2016 concerning
Penerapan Manajemen Risiko Bagi Bank Implementation of Risk Management for
Umum. Commercial Banks.
Melalui peraturan ini, Bank Hana berupaya Through this regulation, Hana Bank seeks to
menerapkan kerangka pengelolaan risiko implement an integrated risk management
secara terpadu (bankwide risk management) framework (bankwide risk management) to
untuk mengendalikan 8 jenis risiko yang control 8 types of inherent risks in the Bank’s
melekat (inherent risk) dalam kegiatan usaha business activities.
Bank.
2. Surat Edaran Otoritas Jasa Keuangan No. 14/ 2. Financial Services Authority Circular No. 14/
SEOJK.03/2017 tentang Penilaian Tingkat SEOJK.03/2017 concerning Assessment of the
Kesehatan Bank Umum. Soundness Level of Commercial Banks.
Melalui peraturan ini, unit kerja terkait berupaya Through this regulation, the relevant work unit
memperhitungkan profil risiko Bank menjadi seeks to consider the Bank’s risk profile as one
salah satu acuan dalam penilaian Tingkat of the references in assessing the Bank’s Health
Kesehatan Bank yang dilakukan setiap Level, which is carried out every semester,
semester, yaitu setiap bulan Juni dan Desember. namely every June and December.
3. Peraturan Otoritas Jasa Keuangan No. 32/ 3. Financial Services Authority Regulation No. 32/
POJK.03/2018 tentang Batas Maksimum POJK.03/2018 concerning Legal lending Limit
Pemberian Kredit dan Penyediaan Dana Besar and Providing Large Funds for Commercial
bagi Bank Umum dan Peraturan Otoritas Banks, and Financial Services Authority
Jasa Keuangan No. 38/POJK.03/2019 tentang Regulation No. 38/POJK.03/2019 concerning
Perubahan atas Peraturan Otoritas Jasa Amendments to Financial Services Authority
Keuangan No. 32/POJK.03/2018 tentang Batas Regulation No. 32/POJK.03/2018 concerning
Maksimum Pemberian Kredit dan Penyediaan Legal Lending Limit and Providing Large Funds
Dana Besar bagi Bank Umum. for Commercial Banks.
Dengan mengacu pada peraturan-peraturan By referring to these regulations and other
tersebut serta peraturan lainnya yang terkait, Bank related regulations, Hana Bank has developed
Hana telah menyusun kebijakan manajemen risiko an integrated risk management policy that
terintegrasi yang berfungsi untuk menguatkan functions to strengthen the implementation of
penerapan manajemen risiko di Bank. Kebijakan risk management in the Bank. Hana Bank’s Risk
Manajemen Risiko Bank Hana telah disahkan oleh Management Policy has been approved by the
Direksi dan dituangkan dalam Surat Keputusan Board of Directors and is stated in the Board of
Direksi No. 32/009/DIR/SK tanggal 23 Januari 2020. Directors’ Decree No. 32/009/DIR/SK dated January
Kajian dan pembaharuan kebijakan tersebut 23, 2020. The Bank always reviews and updates this
senantiasa dilakukan Bank setidaknya 1 (satu) kali policy at least once a year. The main contents of the
dalam setahun. Isi pokok kebijakan manajemen risk management policy include:
risiko tersebut meliputi:
1. Proses identifikasi dan pengukuran terhadap 8 1. Identification and measurement process for 8
(delapan) jenis risiko sesuai dengan Peraturan (eight) types of risk in accordance with Financial
Otoritas Jasa Keuangan; Services Authority Regulations;
2. Pengaturan dan pembagian tugas, serta 2. Clear arrangements and division of tasks, as well
tanggung jawab masing-masing struktur as the responsibilities of each organizational
organisasi dalam manajemen risiko secara jelas; structure in risk management;
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3. Metode yang digunakan untuk mengukur 3. The method used to measure the Bank’s capital
kecukupan modal Bank berdasarkan profil adequacy is based on the risk profile, or ICAAP;
risiko atau ICAAP; 4. Measurement of Bank risk in general and
4. Pengukuran risiko Bank secara umum dan interest rate risk in the Banking Book;
risiko suku bunga pada Banking Book; 5. Risk monitoring and risk management
5. Pemantauan risiko dan sistem informasi information system;
manajemen risiko; 6. Risk rating assessment;
6. Penilaian peringkat risiko; 7. Risk control and mitigation;
7. Pengendalian risiko dan mitigasi; 8. Determination of limits and risk tolerance;
8. Penetapan limit dan toleransi risiko; 9. Implementation of stress testing;
9. Pelaksanaan stress testing; 10. Implementation of an internal control system;
10. Penerapan sistem pengendalian internal; serta and
11. Penerapan manajemen risiko secara terintegrasi 11. Implementation of integrated risk management
dengan Entitas Anak. with Subsidiaries.
Peningkatan Kualitas dan Quality Improvement and Risk
Pengembangan Manajemen Risiko Management Development
Bank senantiasa meningkatkan kualitas dan The Bank continues to improve the quality
pengembangan manajemen risiko secara and development of risk management in a
menyeluruh dan berkesinambungan. Adapun comprehensive and sustainable manner. The
perbaikan dan penyempurnaan pengelolaan risiko improvements and enhancements to the Bank’s
Bank selama tahun 2023 meliputi: risk management during 2023 include:
1. Terhadap kebijakan terkait manajemen risiko, 1. Regarding policies related to risk management,
Bank secara berkala melakukan kaji ulang dan the Bank periodically reviews and updates
pengkinian dengan memperhatikan tingkat them by considering the level of risk to be taken,
risiko yang akan diambil, toleransi risiko, kondisi risk tolerance, current conditions of the Bank,
terkini dari Bank, regulasi yang diterbitkan dan regulations issued and projections of economic
proyeksi kondisi ekonomi serta strategi bisnis conditions, and the Bank’s business strategy.
Bank.
2. Untuk memitigasi risiko pasar dan likuiditas, 2. To mitigate market and liquidity risks, the
Bank telah melakukan penyesuaian suku Bank has adjusted interest rates several times
bunga beberapa kali sepanjang tahun 2023 throughout 2023 to increase third-party fund
untuk meningkatkan aliran masuk dana pihak inflows.
ketiga.
3. Pengembangan Credit Application System 3. Development of the Hana Bank Loan Application
Hana Bank (CASH) untuk mengakomodir proses System (CASH) to accommodate the overall loan
perkreditan secara menyeluruh termasuk fungsi process, including the loan document storage
penyimpanan dokumen kredit. Bank juga telah function. The Bank has also implemented the
menerapkan perhitungan SME Scorecard SME Scorecard calculation for MSME loans
untuk kredit UMKM dibawah Rp15 miliar dan under Rp 15 billion and made improvements
melakukan penyempurnaan terhadap proses to the post-disbursement monitoring process,
pemantauan pasca pencairan yaitu aplikasi Call namely the Call Report phase 4 application,
Report fase 4, yang mencakup pemantauan which includes loan monitoring for borrower
kredit terhadap kelompok peminjam. groups.
4. Bank terus melakukan pemantauan secara 4. The Bank continues to carry out regular
berkala terhadap debitur yang mengajukan monitoring of debtors who apply for
restrukturisasi termasuk melakukan stress test restructuring, including conducting stress tests
sebagai antisipasi terhadap risiko yang mungkin to anticipate possible risks. The loan stress test
terjadi. Hasil stress test kredit menunjukkan results show that the Bank is considered to still
bahwa Bank dinilai masih memiliki kemampuan have the ability to anticipate potential losses due
untuk mengantisipasi potensi kerugian atas to extreme conditions in the future. Total loan
kondisi ekstrim dimasa mendatang. Total restructuring due to the impact of the COVID-19
restrukturisasi kredit akibat dampak pandemi pandemic also continues to experience a
Covid-19 juga terus mengalami trend yang downward trend throughout 2023.
menurun sepanjang tahun 2023.
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5. Bank memperoleh Sertifikasi ISO 27001:2013 5. The Bank obtained ISO 27001:2013 Certification
bidang Keamanan Informasi untuk LINE Bank in the field of Information Security for LINE
dan terus meningkatkan upaya pengamanan Bank and continues to improve security efforts
terhadap aplikasi serta data yang digunakan. for applications and data used.
6. Bank melakukan peningkatan kesiapan 6. The Bank increases disaster management
penanganan bencana dengan meningkatkan preparedness by increasing the capabilities of
kemampuan Disaster Recovery Center (DRC). the Disaster Recovery Center (DRC).
7. Bank terus melakukan pengembangan 7. The Bank continues to develop operational
terhadap perangkat manajemen risiko risk management tools, including by updating
operasional diantaranya dengan melakukan the Loss Event Database (LED) application and
proses pembaharuan terhadap aplikasi the Risk and Control Self Assessment (RCSA)
Loss Event Database (LED) dan pengkinian methodology.
metodologi Risk and Control Self Assessment
(RCSA).
8. Menetapkan langkah-langkah strategis dalam 8. Determine strategic steps to mitigate risks
rangka mitigasi risiko atas kebutuhan sumber regarding human resource needs, including
daya manusia, antara lain program Talent the Talent Banking Program (TBP) for MSME
Banking Program (TBP) untuk unit kerja and IT work units, employee training at various
UMKM dan IT, pelatihan-pelatihan karyawan levels, determining talent pools, and various
di berbagai tingkatan, penetapan talent pool, campaigns such as Zero Defect and Destroy
berbagai kampanye seperti Zero Defect dan Silos.
Destroy Silo.
9. Bank terus meningkatkan customer awareness 9. The Bank continues to increase customer
pada layanan perbankan digital, seperti awareness of digital banking services, such
sosialisasi fraud awareness baik kepada as by disseminating fraud awareness to both
karyawan maupun nasabah. employees and customers.
Penerapan Manajemen Risiko Risk Management Implementation
Penerapan manajemen risiko Bank Hana The implementation of Hana Bank’s risk
dilaksanakan sesuai ketentuan regulator yang management is carried out in accordance with
meliputi 5 (lima) pilar berikut: regulatory provisions, which include the following
5 (five) pillars:
1. Pengawasan Aktif Dewan Komisaris dan 1. Active supervision of the Board of
Direksi Commissioners and the Board of Directors
Dewan Komisaris dan Direksi berperan aktif The Board of Commissioners and the Board
dalam pengawasan penerapan manajemen of Directors play an active role in supervising
risiko yang dilaksanakan secara menyeluruh the implementation of comprehensive risk
(bankwide risk management), sesuai dengan management (bankwide risk management), in
tanggung jawabnya, yaitu: accordance with their responsibilities, namely:
a. Dewan Komisaris berwenang dan a. The Board of Commissioners has the
bertanggung jawab untuk mengawasi authority and responsibility to supervise
penerapan manajemen risiko sesuai dengan the implementation of risk management
karakteristik dan kompleksitas usaha Bank, in accordance with the characteristics and
paling sedikit mencakup: complexity of the Bank’s business, including
- Mengarahkan, menyetujui, dan at least:
mengevaluasi kebijakan manajemen - Direct, approve, and evaluate risk
risiko; serta management policies; and
- Mengevaluasi pelaksanaan kebijakan - Evaluate the implementation of risk
manajemen risiko oleh Direksi; management policies by the Board of
Directors;
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b. Direksi berwenang dan bertanggung jawab b. The Board of Directors has the authority
dalam penerapan manajemen risiko, paling and responsibility for implementing risk
sedikit mencakup: management, including at least:
- Menyusun kebijakan manajemen risiko - Develop a written and comprehensive
secara tertulis dan komprehensif sesuai risk management policy in accordance
dengan ketentuan dari regulator; with the provisions of the regulator;
- Melaksanakan kebijakan manajemen - Implementing established risk
risiko yang telah ditetapkan; management policies;
- Mengembangkan budaya risiko sebagai - Developing a risk culture as part of
bagian dari penerapan manajemen risiko implementing risk management at the
pada Bank; Bank;
- Memastikan efektivitas pengelolaan - Ensure the effectiveness of human
sumber daya manusia yang mencakup resource management, which includes
kompetensi, kualifikasi, dan kecukupan the competency, qualifications, and
sumber daya manusia pada untuk adequacy of human resources to carry
melaksanakan fungsi manajemen risiko; out risk management functions; and as
serta - Ensure that the implementation of risk
- Memastikan bahwa penerapan management has been carried out
manajemen risiko telah dilakukan secara independently.
independen.
Melalui pengawasan Dewan Komisaris dan Direksi Under the supervision of the Board of
tersebut, penerapan manajemen risiko didukung Commissioners and the Board of Directors, the
dengan penataan struktur yang terintegrasi sesuai implementation of risk management is supported
dengan perkembangan dan kompleksitas usaha by an integrated structural arrangement in
Bank. Selain itu, struktur tersebut disesuaikan accordance with the development and complexity
dengan kapasitas, kemampuan, serta tujuan dan of the Bank’s business. In addition, the structure is
kebijakan internal Bank. Penjelasan penataan adjusted to the Bank’s capacity and capabilities, as
struktur diuraikan sebagai berikut: well as internal goals and policies. An explanation
of the structural arrangement is outlined as follows:
Komite di Tingkat Dewan Komisaris dan Direksi
Committees at the Board of Commissioners and the Board of Directors Level
Tugas dan Fungsi
Organ
Duties and Responsibilities
Komite Pemantau Manajemen Bertugas untuk melakukan evaluasi perihal kesesuaian antara
Risiko Kebijakan Manajemen Risiko dengan pelaksanaan kebijakan Bank,
Risk Monitoring Committee dan melakukan pemantauan serta mengevaluasi pelaksanaan tugas
Komite Manajemen Risiko dan Satuan Kerja Manajemen Risiko guna
memberikan rekomendasi kepada Dewan Komisaris.
Evaluating the conformity of Risk Management Policies with the
implementation of Bank policies, and monitoring and evaluating the
implementation of the duties of the Risk Management Committee and
the Risk Management Work Unit in order to provide recommendations
to the Board of Commissioners.
Komite Audit Bertugas memantau dan mengevaluasi perencanaan serta pelaksanaan
Audit Committee audit, juga memantau tindak lanjut hasil audit untuk menilai kecukupan
pengendali internal, seperti kecukupan proses pelaporan keuangan.
Monitoring and evaluating audit planning and implementation, as well
as monitoring follow-up on audit results, to assess the adequacy of
internal controls, such as the adequacy of financial reporting process.
Komite Remunerasi dan Bertugas membantu Dewan Komisaris dalam menjalankan tugas dan
Nominasi fungsi terkait hal-hal yang berhubungan dengan kebijakan remunerasi
Remuneration and Nomination dan nominasi.
Committee Assisting the Board of Commissioners in carrying out duties and
functions related to matters relating to remuneration and nomination
policies.
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Komite di Tingkat Dewan Komisaris dan Direksi
Committees at the Board of Commissioners and the Board of Directors Level
Tugas dan Fungsi
Organ
Duties and Responsibilities
Komite Manajemen Risiko Bertugas merumuskan kebijakan, strategi, dan pedoman penerapan
Risk Management Committee manajemen risiko. Komite ini juga melakukan perbaikan atau
penyempurnaan atas penerapan manajemen risiko berdasarkan hasil
evaluasi penerapan manajemen risiko dan menetapkan hal-hal yang
terkait dengan keputusan bisnis yang menyimpang dari prosedur
normal.
Formulating policies, strategies, and guidelines for implementing risk
management. This committee also makes corrections or improvements
to risk management implementation based on the results of risk
management implementation evaluation, as well as determines matters
relating to business decisions that deviate from standard procedures.
Komite Liabilitas Aset Bertugas untuk membantu pelaksanaan tugas Direksi dalam
Asset Liability Committee melakukan proses perencanaan, pengelolaan, dan penetapan kebijakan
aset dan liabilitas untuk mencapai net interest margin yang optimal
dan mencukupi kebutuhan likuiditas.
Assisting the Board of Directors in the implementation of its duties in
the process of planning, managing, and determining asset and liability
policies in order to achieve an optimal net interest margin and meet
liquidity needs.
Komite Kredit Bertugas untuk membantu tugas Direksi pada bidang perkreditan
Credit Committee dalam mengevaluasi dan/atau memutuskan permohonan kredit untuk
jumlah dan jenis kredit yang ditetapkan oleh Direksi.
Assisting the Board of Directors in the loan sector in evaluating and/or
deciding on loan applications for the amount and type of loan specified
by the Board of Directors.
Komite Investigasi Kredit Bertugas untuk membantu tugas Direksi dalam menyelidiki, melakukan
Credit Investigation pembahasan, melaporkan hasil investigasi, dan memberikan
Committee rekomendasi atas adanya kasus kredit.
Assisting the Board of Directors with investigations, discussions,
reporting of investigation findings, and providing recommendation on
loan cases.
Komite Pengarah Teknologi Bertugas untuk memastikan penerapan sistem teknologi informasi
Informasi (TI) sejalan dengan rencana strategis Bank Hana, serta meningkatkan
Information Technology keunggulan bersaing Bank Hana melalui pemanfaatan teknologi
Steering Committee informasi yang tepat guna.
Ensuring that information technology (IT) systems are implemented
in accordance with Hana Bank's strategic plans, as well as increasing
Hana Bank's competitive advantage through the effective use of
information technology.
Komite Pengembangan Bertugas untuk membantu tugas Direksi dalam pengembangan
Produk dan optimalisasi produk/layanan/aktivitas agar sesuai dengan tujuan,
Product Development Strategy rencana, dan strategi Bank dengan memperhatikan regulasi serta
peraturan otoritas.
Assisting the Board of Directors in developing and optimizing products/
services/activities to ensure that they are consistent with the Bank's
goals, plans, and strategies while adhering to applicable regulations and
authority provisions.
Komite Sumber Daya Manusia Bertugas untuk memberikan arahan strategi, membuat kebijakan
Human Resouce Committee umum, serta membantu dalam proses pengambilan keputusan di
bidang sumber daya manusia termasuk perubahan-perubahannya.
Providing strategic direction, making general policies, and assisting in
the decision-making process in the field of human resources, including
changes.
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Komite di Tingkat Dewan Komisaris dan Direksi
Committees at the Board of Commissioners and the Board of Directors Level
Tugas dan Fungsi
Organ
Duties and Responsibilities
Komite Investigasi Fraud Bertugas untuk memeriksa dugaan pelanggaran peraturan, kebijakan,
Fraud Investigation Committee dan prosedur Bank di dalam organisasi yang berkaitan dengan
tindakan penipuan dan menyebabkan kerugian Bank yang dilakukan
oleh karyawan internal. Komite Investigasi Fraud memutuskan dan
menetapkan tindakan yang akan diambil berdasarkan fakta dan
temuan yang dihasilkan dari laporan Investigasi."
Examining alleged violations of Bank regulations, policies, and
procedures within the organization involving fraudulent acts and
Bank losses committed by internal employees. The Fraud Investigation
Committee makes decisions and determines what actions to take based
on the facts and findings in the Investigation report.
2. Kecukupan Kebijakan, Prosedur, dan 2. Adequacy of Policies, Procedures, and Risk
Penetapan Limit Risiko Limits Determination
Bank Hana telah memiliki kebijakan manajemen Hana Bank has an integrated risk management
risiko terintegrasi yang memuat kebijakan, policy that outlines policies, standards,
standar, dan prosedur penerapan manajemen and procedures for implementing risk
risiko. Kebijakan dan prosedur manajemen management. These risk management
risiko tersebut disusun berdasarkan strategi policies and procedures are developed using
manajemen risiko, tingkat risiko yang diambil risk management strategies, the level of risk
dan toleransi risiko, limit yang memperhatikan taken, and risk tolerance, as well as limits that
kemampuan modal Bank untuk dapat consider the Bank’s capital capacity to absorb
menyerap eksposur risiko. risk exposure.
Bank senantiasa mengevaluasi kebijakan The Bank consistently evaluates risk
manajemen risiko sekurang-kurangnya 1 (satu) management policies at least once a year as a
tahun sekali sebagai bentuk optimalisasi means of optimizing the application of business
penggunaan business judgement. Dengan judgment. Thus, these policies are always in line
demikian, kebijakan tersebut senantiasa sesuai with business developments, vision, mission,
dengan perkembangan usaha, visi, misi, strategi Bank strategy, and changes in applicable
Bank, serta perubahan peraturan yang berlaku. regulations.
3. Kecukupan Proses Identifikasi, Pengukuran, 3. Adequacy of Risk Identification, Measurement,
Pemantauan dan Pengendalian Risiko, serta Monitoring, and Control Processes, and Risk
Sistem Informasi Manajemen Risiko Management Information Systems.
Penerapan manajemen risiko pada Bank Hana Bank implements risk management on
Hana dilakukan secara berkesinambungan, an ongoing basis, which includes the process
yang meliputi proses identifikasi, pengukuran, of identifying, measuring, monitoring, and
pemantauan, dan pengendalian risiko terhadap controlling all material risks. A comprehensive
seluruh risiko yang bersifat material. Penerapan risk management information system and
manajemen risiko juga didukung oleh sistem internal control system help to support risk
informasi manajemen risiko dan sistem management implementation.
pengendalian internal yang menyeluruh.
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Identifikasi
Identification
Pemantauan Proses Manajemen Risiko Pengukuran
Monitoring Risk management Process Measurement
Pengendalian
Control
Proses identifikasi risiko dilakukan Bank secara The Bank conducts an objective risk
objektif terhadap sumber risiko yang melekat identification process for sources of risk inherent
pada aktivitas fungsional, sistem informasi serta in functional activities, information systems,
produk dan aktivitas bisnis yang berpotensi products, and business activities that have
merugikan Bank, termasuk dampak yang the potential to harm the Bank, including the
mungkin terjadi. Bank juga secara khusus resulting impacts. Banks also identify specific
mengidentifikasi risiko yang timbul dari produk risks associated with new products before they
baru sebelum dipasarkan kepada nasabah. are marketed to customers.
Proses pengukuran risiko dilakukan Bank The Bank conducts risk measurement
melalui pendekatan permodelan kuantitatif using quantitative and qualitative modeling
dan kualitatif untuk mengukur eksposur approaches to determine the Bank’s risk
risiko Bank sebagai acuan untuk melakukan exposure as a reference for control. This is
pengendalian. Hal tersebut dilakukan dengan accomplished by developing several risk
mengembangkan beberapa model risiko, models, such as stress testing calculations and
seperti perhitungan stress testing dan model other models that aid in judgmental decision
lainnya sebagai pendukung judgemental making. The Bank’s Risk Management function
decision making. Bank juga melakukan kalibrasi also calibrates and validates the risk model
dan validasi terhadap model risiko tersebut on a regular basis to ensure its reliability and
secara berkala oleh fungsi Manajemen Risiko validity, as well as compliance with applicable
dalam rangka mempertahankan keandalan regulations.
dan validitas model, serta pemenuhan terhadap
peraturan yang berlaku.
Proses pengendalian risiko dilakukan Bank The Bank manages risk by implementing control
dengan menggunakan langkah-langkah measures based on risk exposure, risk level, and
pengendalian sesuai eksposur risiko, tingkat risk tolerance. The risk monitoring process is
risiko, dan tingkat toleransi risiko. Kemudian, then implemented based on risk exposure, risk
implementasi proses pemantauan risiko tolerance, internal limit compliance, and stress
dilakukan sesuai eksposur risiko, toleransi risiko, test results. Furthermore, risk monitoring is
kepatuhan terhadap limit internal, dan hasil implemented comprehensively, with minimum
stress testing. Selain itu, pemantauan risiko capital calculated based on the Bank’s risk
dilaksanakan secara komprehensif dengan profile.
menghitung modal minimum berbasis profil
risiko Bank.
Proses pemantauan risiko dilakukan Bank The Bank conducts risk monitoring by using
dengan mengaplikasikan checklist risk profile a risk profile checklist for each work unit.
pada masing-masing satuan kerja. Selain itu, Furthermore, bankwide risk management
integrasi pengelolaan risiko secara bankwide integration is achieved by establishing risk
dilakukan dengan menerapkan batasan limits for loan, treasury, and operational
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besaran risiko untuk aktivitas perkreditan, activities, allowing all exposures to be accurately
aktivitas treasury, maupun aktivitas operasional, measured, monitored, and controlled.
sehingga semua eksposur dapat diukur,
dipantau, dan dikendalikan dengan baik.
Bank memiliki Loan Review Committee yang The Bank has a Loan Review Committee, which
merupakan komite khusus yang memiliki fungsi is a special committee whose primary function
utama mendukung proses management risiko is to support the loan risk management process,
kredit khususnya dalam proses pemantauan particularly the loan risk monitoring process via
risiko kredit melalui mekanisme Call Report. the Call Report mechanism. The Committee
Komite melakukan rapat bulanan untuk holds monthly meetings to discuss the current
membahas kondisi terkini debitur dengan status of debtors in the Early Warning and
kategori Early Warning dan Watch List Debtor Debtor Watch List categories, solicit input and
untuk mendapatkan masukan dan justifikasi justification from related business units, and
dari unit bisnis terkait, serta merekomendasikan recommend follow-up plans to maintain debtor
rencana tindak lanjut untuk menjaga kualitas loan quality.
kredit debitur.
4. Sistem Informasi Manajemen Risiko 4. Risk Management Information System
Bank Hana mengembangkan sistem informasi Hana Bank developed a management
manajemen untuk mendukung pelaksanaan information system to assist with the
proses identifikasi, pengukuran, pemantauan, implementation of risk identification,
dan pengendalian risiko. Sistem ini juga measurement, monitoring, and control
berfungsi untuk memastikan ketersediaan processes. This system also ensures that
informasi yang akurat, lengkap, informatif, decision-makers have access to accurate,
dan tepat waktu dalam proses pengambilan complete, informative, and timely information.
keputusan.
Bank memiliki aplikasi Sistem Informasi The Bank has a Management Information
Manajemen (MIS) yang memuat informasi System (MIS) application that contains
pendukung untuk pemantauan risiko oleh supporting information for risk monitoring
seluruh unit kerja yang ada pada Bank. across all work units. This application includes,
Aplikasi tersebut antara lain memuat informasi among other things, information on providing
penyediaan dana, seperti perkreditan, funds, such as loan, treasury, and administrative
treasury, transaksi administratif, informasi transactions, information on collecting funds
penghimpunan dana atau dana pihak ketiga, or third-party funds, and other required
dan informasi lainnya yang dibutuhkan yang information sourced from the core banking
bersumber dari sistem core banking, yaitu Hana system, specifically the Hana Overseas Branch
Overseas Branch Information System (HOBIS). Information System (HOBIS).
5. Sistem Pengendalian Internal yang 5. Comprehensive Internal Control System
Menyeluruh
Bank menerapkan sistem pengendalian intern The Bank effectively implements an internal
secara efektif dengan berpedoman pada control system based on established policies
kebijakan dan prosedur yang ditetapkan. Sistem and procedures. It is critical to implement an
pengendalian intern sangat penting untuk internal control system so that Hana Bank is
diterapkan agar Bank Hana dapat mengetahui aware of potential risks and can take steps
risiko-risiko yang mungkin terjadi dan jika to mitigate them as soon as possible. The
telah ditemukan risiko tersebut, maka Bank internal control system for implementing risk
Hana dapat mencegahnya sedini mungkin management at least includes:
dampak-dampak yang berpotensi timbul.
Sistem pengendalian intern dalam penerapan
manajemen risiko sekurang-kurangnya
mencakup:
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a. Kesesuaian antara sistem pengendalian a. Suitability between the internal control
internal dengan jenis dan tingkat risiko yang system and the type and level of risk inherent
melekat pada kegiatan usaha Bank; in the Bank’s business activities;
c. Penetapan wewenang dan tanggung jawab b. Determination of authority and responsibility
untuk pemantauan kepatuhan kebijakan, for monitoring compliance with policies,
prosedur, dan limit; procedures, and limits;
d. Penetapan jalur pelaporan dan pemisahan c. Establishment of clear reporting lines and
fungsi yang jelas untuk menghindari adanya separation of functions to avoid conflicts of
benturan kepentingan; interest;
e. Struktur organisasi yang menggambarkan d. Organizational structure that clearly
secara jelas kegiatan usaha; describes business activities;
f. Pelaporan keuangan dan kegiatan e. Accurate and timely reporting of financial
operasional yang akurat dan tepat waktu; and operational activities;
g. Kecukupan prosedur untuk memastikan f. Adequacy of procedures to ensure
kepatuhan terhadap ketentuan dan compliance with applicable provisions and
perundang-undangan yang berlaku; legislation;
h. Pengkajian ulang yang efektif, independen, g. Effective, independent, and objective
dan obyektif terhadap prosedur penilaian review of operational activity assessment
kegiatan operasional; procedures;
i. Pengujian dan pengkajian ulang yang h. Adequate testing and review of management
memadai terhadap sistem informasi information systems;
manajemen; i. Complete and adequate documentation of
j. Dokumentasi secara lengkap dan memadai operational procedures, scope, and audit
terhadap prosedur operasional, cakupan, findings, as well as the Bank’s follow-up to
dan temuan audit, serta tindak lanjut Bank mitigate potential risks; and
untuk memitigasi potensi risiko; dan j. Periodic and continuous verification
k. Verifikasi dan pengkajian ulang secara and review of the handling of material
berkala dan berkesinambungan terhadap weaknesses and management actions to
penanganan kelemahan yang bersifat correct deviations that occur.
material dan tindakan Manajemen untuk
memperbaiki penyimpangan yang terjadi.
Bank secara berkala akan mengevaluasi The Bank evaluate the effectiveness of risk
efektivitas penerapan manajemen risiko, management implementation on a regular
terutama yang berhubungan dengan basis, particularly the adequacy of policies,
kecukupan kebijakan, prosedur, dan sistem procedures, and management information
informasi manajemen. systems.
Budaya Risiko Risk Culture
Bank menerapkan budaya sadar risiko pada In order to avoid violations or exceeding the Bank’s
seluruh kegiatan operasional dan bisnis dalam risk limits, the Bank incorporates a culture of
rangka mencegah pelanggaran atau pelampauan risk awareness into all operational and business
batas risiko Bank. Penerapan budaya sadar risiko activities. The implementation of this risk awareness
tersebut dimulai dengan penetapan Code of culture begins with the establishment of a Code
Conduct, panduan terkait batas operasional atau of Conduct, guidelines for operational limits or
prosedur untuk mencegah pelanggaran atau procedures to prevent violations or exceeding the
pelampauan batas risiko Bank, serta prosedur Bank’s risk limits, and procedures for escalating
untuk meningkatkan dan membagi isu risiko and sharing risk issues among business lines and
antara lini bisnis dan fungsi manajemen risiko. Hal- risk management functions. Things implemented
hal yang diterapkan dalam rangka peningkatan to increase a culture of risk awareness are:
budaya sadar risiko antara lain:
1. Budaya yang bertanggung jawab dalam 1. A culture of responsibility in managing risk;
mengelola risiko;
2. Komunikasi yang transparan antar masing- 2. Transparent communication between each
masing satuan kerja; work unit;
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3. Pelatihan tentang manajemen risiko sebagai 3. Training on risk management as a learning tool;
sarana pembelajaran; 4. Performance evaluation as a measure of the
4. Evaluasi performa sebagai tolak ukur success of risk management; and
keberhasilan pengelolaan risiko; serta 5. Rewards that can encourage a pro-active
5. Penghargaan yang dapat mendorong sikap attitude.”
pro-aktif.”
Manajemen telah menerapkan Zero Defect Culture Management has implemented Zero Defect
yang bertujuan untuk meningkatkan awareness Culture, which aims to raise awareness about
terhadap budaya manajemen risiko. Selain itu, risk management culture. Aside from that,
Manajemen juga menerapkan Destroy Silo Culture Management implemented Destroy Silo Culture
di seluruh lini organisasi yang bertujuan untuk across all organizational lines with the goal of
meningkatkan efektivitas proses kerja lintas unit improving the effectiveness of work processes
kerja pada Bank. Etos kerja yang dilandasi dengan across the Bank’s work units. The work ethic based
Zero Defect Culture dan Destroy Silo Culture akan on Zero Defect Culture and Destroy Silo Culture
terus digaungkan pada tahun 2024, dan hal ini will be echoed in 2024, which is consistent with
sejalan dengan core values Bank, yang antara lain the Bank’s core values, which emphasize aspects
menitikberatkan aspek terkait integritas, otonomi such as integrity, autonomy, and transparency in
dan transparansi dalam melaksanakan aktivitas carrying out work activities.
pekerjaan.
Pengungkapan Permodalan dan Disclosure of Bank Capital and Risk
Manajemen Risiko Bank Secara Umum Management in General
Ukuran Utama
Key Metrics
(dalam jutaan rupiah) | (in million rupiah)
31 30 30 31 31
Desember September Juni Maret Desember
Uraian Description
December September June March December
2023 2023 2023 2023 2022
Modal yang Tersedia Available Capital
(Nilai) (Value)
Modal Inti Utama 10.491.003 10.300.281 10.232.593 10.154.038 9.944.686 Primary Core Capital
(CET1) (CET1/ Common
Equity Tier 1)
Modal Inti (Tier 1) 10.491.003 10.300.281 10.232.593 10.154.038 9.944.686 Core Capital (Tier 1)
Total Modal 10.853.788 10.665.531 10.584.287 10.499.434 10.302.462 Total Capital
Aset Tertimbang Risk Weighted
menurut Risiko Asset (Value)
(Nilai)
Total Aset 38.282.629 38.283.991 36.568.783 36.220.311 38.790.161 Total Risk Weighted
Tertimbang Menurut Asset (Value)
Risiko (ATMR)
Rasio Modal Risk-based Capital
berbasis Risiko Ratio in Percentage
dalam Bentuk of ATMR
Persentase dari
ATMR
Rasio CET1 (%) 27,40 26,90 27,98 28,03 25,64 CET1 Ratio (%)
Rasio Tier 1 (%) 27,40 26,90 27,98 28,03 25,64 Tier 1 Ratio (%)
Rasio Total Modal (%) 28,35 27,86 28,94 28,99 26,56 Total Capital Ratio (%)
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(dalam jutaan rupiah) | (in million rupiah)
31 30 30 31 31
Desember September Juni Maret Desember
Uraian Description
December September June March December
2023 2023 2023 2023 2022
Tambahan CET1 CET1 Additional
yang Berfungsi as a Buffer in
sebagai Buffer Percentage of ATMR
dalam Bentuk
Persentase dari
ATMR
Capital Conservation 2,50 2,50 2,50 2,50 2,50 Capital Conservation
Buffer (2,5% dari Buffer (2.5% of ATMR)
ATMR) (%) (%)
Countercyclical 0,00 0,00 0,00 0,00 0,00 Countercyclical
Buffer (0 - 2,5% dari Buffer (0 - 2.5% of
ATMR) (%) ATMR) (%)
Capital Surcharge 0,00 0,00 0,00 0,00 0,00 Capital Surcharge for
untuk Bank Sistemik Systemic Bank (1% -
(1% - 2,5%) (%) 2.5%) (%)
Total CET1 sebagai 2,50 2,50 2,50 2,50 2,50 Total CET1 as Buffer
Buffer (Baris 8+Baris (Line 8+Line 9+Line
9+Baris 10) 10)
Komponen CET1 19,17 18,63 19,55 19,60 17,08 CET1 Component as
untuk Buffer Buffer
Rasio Pengungkit Leverage Ratio in
sesuai Basel III accordance to Basel
III
Total Eksposur 53.009.514,00 52.175.933 50.827.328 51.070.968 51.639.063 Total Exposure
Nilai Rasio 19,79 19,74 20,13 19,88 19,26 Leveraging Ratio,
Pengungkit, including the impact
termasuk dampak of adjustments
dari penyesuaian to the temporary
terhadap exemption on
pengecualian current account
sementara atas placements with
penempatan Bank Indonesia to
giro pada Bank comply with the
Indonesia dalam minimum statutory
rangka memenuhi reserve (GMW)
ketentuan GWM (jika requirement (if any)
ada) (%) (%)
Nilai Rasio 19,79 19,74 20,13 19,88 19,26 Leveraging Ratio, not
Pengungkit, tidak including the impact
termasuk dampak of adjustments
dari penyesuaian to the temporary
terhadap exemption on
pengecualian current account
sementara atas placements with
penempatan Bank Indonesia to
giro pada Bank comply with the
Indonesia dalam minimum statutory
rangka memenuhi reserve (GMW)
ketentuan GWM (jika requirement (if any)
ada) (%) (%)
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(dalam jutaan rupiah) | (in million rupiah)
31 30 30 31 31
Desember September Juni Maret Desember
Uraian Description
December September June March December
2023 2023 2023 2023 2022
Nilai Rasio 19,79 19,74 20,13 19,88 19,26 Leveraging Ratio,
Pengungkit, including the impact
termasuk dampak of adjustments
dari penyesuaian to the temporary
terhadap exemption on
pengecualian current account
sementara atas placements with
penempatan Bank Indonesia to
giro pada Bank comply with the
Indonesia dalam minimum statutory
rangka memenuhi reserve (GMW)
ketentuan GWM requirement (if
(jika ada), yang any), which has
telah memasukkan included the average
nilai rata-rata dari value of the gross
nilai tercatat aset carrying value of
Securities Financing Securities Financing
Transactions (SFT) Transactions (SFT)
secara gross (%) assets (%)
Nilai Rasio 19,79 19,74 20,13 19,88 19,26 Leveraging Ratio, not
Pengungkit, tidak including the impact
termasuk dampak of adjustments
dari penyesuaian to the temporary
terhadap exemption on
pengecualian current account
sementara atas placements with
penempatan Bank Indonesia to
giro pada Bank comply with the
Indonesia dalam minimum statutory
rangka memenuhi reserve (GMW)
ketentuan GWM requirement (if
(jika ada), yang telah any), which has
memasukkan nilai included the average
rata-rata dari nilai value of the gross
tercatat aset SFT carrying value of
secara gross (%) Securities Financing
Transactions (SFT)
assets (%)
Rasio Kecukupan Liquidity Coverage
Likuiditas (LCR) Ratio (LCR)
Total Aset Likuid 6.828.404 7.958.742 8.573.636 9.392.496 8.975.878 Total High Quality
Berkualitas Tinggi Liquid Assets (HQLA)
(HQLA)
Total Arus Kas Keluar 3.328.719 3.525.129 3.498.048 4.325.938 4.375.927 Total Net Cash
Bersih (Net Cash Outflow
Outflow)
LCR (%) 205,14 225,77 245,10 217,12 205,12 LCR (%)
Rasio Pendanaan Net Stable Funding
Stabil Bersih (NSFR) Ratio (NSFR)
Total Pendanaan 29.697.405 30.311.763 28.627.110 28.285.268 28.741.961 Total Available Stable
Stabil yang Tersedia Funding (ASF)
(ASF)
Total Pendanaan 25.989.481 25.899.430 25.072.129 24.928.986 26.401.222 Total Required Stable
Stabil yang Funding (RSF)
Diperlukan (RSF)
NSFR (%) 114,27 117,04 114,18 113,46 108,87 NSFR (%)
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Perbedaan antara Cakupan Konsolidasi dan Difference between Consolidation and Mapping
Mapping pada Laporan Keuangan sesuai Coverage in Financial Statements in accordance
Standar Akuntansi Keuangan dengan Kategori with Financial Accounting Standards and Risk
Risiko sesuai dengan Ketentuan Otoritas Jasa Categories in accordance with the Financial
Keuangan Kategori Risiko (LI1) Services Authority Regulations for Risk
Categories (LI1)
Nilai Tercatat Masing-Masing Risiko
Carrying Value for Each Risk
Nilai Tercatat
Tidak
sebagaimana
Mengacu pada
Tercantum Nilai Tercatat
Sesuai Persyaratan
dalam berdasarkan
Kerangka Kerangka Sesuai Permodalan
Publikasi Prinsip
Risiko Kredit Counterparty Sesuai Kerangka atau
Uraian Laporan Kehati-Hatian
According to Credit Risk Kerangka Risiko Pasar berdasarkan
Description Keuangan Carrying
Credit Risk According to Sekuritisasi According to Pengurangan
Carrying Value Based
Framework Counterparty According to Market Risk Modal
Value as on Prudence
Loan Risk Securitization Framework Not Referring
Stated in the Principle
Framework Framework to the Capital
Financial
Requirements or
Statements
Based on Capital
Publications
Deductions
Aset
Assets
Kas 172.058 172.058 - - - - -
Cash
Giro pada Bank 1.601.540 1.601.540 - - - - -
Indonesia
Current accounts with
Bank Indonesia
Giro pada Bank Lain 395.080 395.080 79.016 - - - -
Current accounts with
other banks
Penempatan pada 2.138.987 2.138.987 15.433 - - - -
Bank Indonesia dan
Bank Lain
Placements with Bank
Indonesia and Other
Banks
Efek-Efek 6.189.092 6.189.092 678.725 - - - -
Securities
Tagihan Derivatif 31.911 31.911 31.911 - - - -
Derivatives Receivable
Kredit 33.339.377 33.339.377 29.654.847 - - - -
Loans
Tagihan Akseptasi 1.303.804 1.303.804 1.305.493 - - - -
Acceptances
Receivable
Biaya Dibayar Dimuka 31.189 31.189 31.189 - - - -
Prepaid Expenses
Investasi dalam 106.519 106.519 266.296 - - - -
Saham
Investment in Shares
Aset Tetap – Neto 597.383 597.383 597.383 - - - -
Fixed Assets – Net
Aset Pajak Tangguhan 168.083 168.083 168.083 - - - -
– Neto
Deferred Tax Assets
– Net
Aset Lain-Lain – Neto 808.843 808.843 1.043.876 - - - -
Other Assets – Net
Total Aset 46.883.866 46.883.866 33.872.251 - - - -
Total Assets
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Nilai Tercatat Masing-Masing Risiko
Carrying Value for Each Risk
Nilai Tercatat
Tidak
sebagaimana
Mengacu pada
Tercantum Nilai Tercatat
Sesuai Persyaratan
dalam berdasarkan
Kerangka Kerangka Sesuai Permodalan
Publikasi Prinsip
Risiko Kredit Counterparty Sesuai Kerangka atau
Uraian Laporan Kehati-Hatian
According to Credit Risk Kerangka Risiko Pasar berdasarkan
Description Keuangan Carrying
Credit Risk According to Sekuritisasi According to Pengurangan
Carrying Value Based
Framework Counterparty According to Market Risk Modal
Value as on Prudence
Loan Risk Securitization Framework Not Referring
Stated in the Principle
Framework Framework to the Capital
Financial
Requirements or
Statements
Based on Capital
Publications
Deductions
Liabilitas
Liabilities
Liabilitas Segera 182.424 182.424 - - - - -
Liabilities due
Immediately
Simpanan Nasabah 26.229.093 26.229.093 - - - - -
Deposits from
Customers
Simpanan dari Bank 4.746.969 4.746.969 - - - - -
Lain
Deposits from Other
Banks
Liabilitas Derivatif 26.248 26.248 - - - - -
Derivatives Payable
Liabilitas Akseptasi 1.305.493 1.305.493 - - - - -
Acceptances Payable
Pinjaman yang 2.578.595 2.578.595 - - - - -
Diterima
Borrowings
Utang Pajak 45.275 45.275 - - - - -
Taxes Payable
Pendapatan Diterima 17.067 17.067 - - - - -
Dimuka
Unearned Income
Kewajiban Imbalan 118.466 118.466 - - - - -
Pasca-Kerja
Post-Employment
Benefits Obligation
Estimasi Kerugian 9.960 9.960 - - - - -
atas Komitmen dan
Kontinjensi
Estimated Losses on
Commitment and
Contingencies
Liabilitas Lain-Lain 560.833 560.833 - - - - -
Other Liabilities
Surat Berharga yang - - - - - - -
Diterbitkan
Securities Issued
Total Liabilitas 35.820.423 35.820.423 - - - - -
Total Liabilities
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Perbedaan Utama antara Nilai Tercatat sesuai Key Differences between Carrying Value
Standar Akuntansi Keuangan dengan Nilai according to Financial Accounting Standards
Eksposur sesuai dengan Ketentuan Otoritas Jasa and Exposure Value according to Provisions of
Keuangan (LI2) Financial Services Authority (LI2)
(dalam jutaan rupiah) | (in million rupiah)
Kerangka
Kerangka
Kerangka Counterparty Kerangka
Risiko
Sekuritisasi Credit Risk Risiko Pasar
Uraian Total Kredit Description
Securitization Counterparty Market Risk
Loan Risk
Framework Loan Risk Framework
Framework
Framework
Nilai Tercatat Aset 46.883.866 33.872.251 - - - The Carrying
sesuai dengan Value of Assets
Cakupan Konsolidasi in accordance
Ketentuan with the Scope
Kehati-Hatian of Precautionary
(Sebagaimana Requirements
Dilaporkan pada Consolidation (As
Tabel LI1) Reported in Table
LI1)
Nilai Tercatat 35.820.423 - - - - The Carrying
Liabilitas sesuai Value of Liabilities
dengan Cakupan in accordance
Konsolidasi with the Scope
Ketentuan of Precautionary
Kehati-Hatian Requirements
(Sebagaimana Consolidation (As
Dilaporkan pada Reported in Table
Tabel LI1) LI1)
Total Nilai Bersih 11.063.443 33.872.251 - - - Total Net Value
sesuai dengan in accordance
Cakupan Konsolidasi with the Scope
Ketentuan Kehati- of Precautionary
Hatian Requirements
Consolidation
Nilai Rekening 8.433.986 2.381.713 - - - Administrative
Administratif Account Value
Perbedaan Valuasi - - - - - Valuation Difference
Perbedaan karena - - - - - Differences due to
Netting Rules, selain Netting Rules, Aside
dari yang Termasuk from Those Included
pada Baris 2 in Second Line
Perbedaan Provisi - - - - - Provision Differences
Perbedaan karena - - - - - Differences due to
Adanya Prudential Prudential Filters
Filters
Nilai Eksposur yang 19.497.429 36.253.965 - - - Exposure Value
Dipertimbangkan, to be Considered,
sesuai dengan in Accordance
Cakupan Konsolidasi with the Scope
Ketentuan Kehati- of Precautionary
Hatian Provisions
Consolidation
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Perbedaan antara Nilai Eksposur sesuai dengan The difference between the exposure value in
Standar Akuntansi Keuangan dengan Ketentuan accordance with Financial Accounting Standards
Otoritas Jasa Keuangan and the provisions of the Financial Services
Authority.
1. Tidak terdapat perbedaan signifikan antara nilai 1. There is no significant difference between
eksposur sesuai standar akuntansi keuangan the exposure value according to financial
dengan ketentuan Otoritas Jasa Keuangan; dan accounting standards and the Financial Services
2. Bank telah memiliki sistem dan prosedur dalam Authority’s provisions;
pelaksanaan valuasi yang mengutamakan 2. The Bank has systems and procedures to
prinsip kehati-hatian. conduct valuation that prioritize the principle of
prudence.
Basel II dan Basel III Basel II and Basel III
Dalam rangka memberikan nilai tambah kepada In order to provide added value to stakeholders
para pemangku kepentingan serta sebagai and as a form of Bank compliance in meeting
bentuk kepatuhan Bank dalam memenuhi the capital adequacy requirements set by the
ketentuan kecukupan permodalan yang telah regulators, the Bank always guarantees and ensures
ditetapkan oleh regulator, Bank senantiasa that the capital structure is strong enough to
menjamin serta memastikan bahwa struktur support current business development strategies
permodalan telah cukup kuat untuk mendukung and maintain business continuity in the future.
strategi pengembangan usaha saat ini dan The Bank ensures that it has sufficient capital to
mempertahankan keberlangsungan usaha di mitigate loan risk, market risk, and operational risk,
masa yang akan datang. Bank memastikan telah taking into account both provisions or regulations
memiliki kecukupan modal untuk memitigasi (regulatory capital) and internal needs (economic
risiko kredit, risiko pasar, serta risiko operasional, capital). In this regard, the Bank has implemented
baik berdasarkan ketentuan atau regulasi Basel II and Basel III, which were developed by the
(regulatory capital) maupun kebutuhan internal Basel Committee on Bank Supervision (BCBS), to
(economic capital). Terkait hal tersebut, Bank improve risk management control and integration.
menerapkan Basel II dan Basel III yang disusun
oleh Basel Committee on Bank Supervision (BCBS)
agar pengelolaan risiko dapat lebih terkendali dan
terintegrasi.
Penerapan Basel II dilakukan dengan memenuhi Basel II is implemented in accordance with all
seluruh peraturan yang berlaku, sedangkan Basel applicable regulations, whereas Basel III has
III telah disesuaikan dengan roadmap Otoritas been tailored to the Financial Services Authority’s
Jasa Keuangan. Bank senantiasa melaporkan roadmap. Banks always report the calculation of
perhitungan rasio pengungkit, liquidity coverage leverage ratio, liquidity coverage ratio (LCR), and
ratio (LCR), dan net stable funding ratio (NSFR) net stable funding ratio (NSFR) in accordance with
sesuai ketentuan yang berlaku. Secara berkala, the applicable regulations. Periodically, the Bank
Bank juga melaporkan Standardized Interest also reports the Standardized Interest Rate Risk
Rate Risk in Banking Book (IRRBB) yang mulai in Banking Book (IRRBB), which went into effect
berlaku sejak tahun 2019. Selain itu, Bank juga in 2019. Aside from that, the Bank will develop
akan merencanakan sistem dan kebijakan sebagai systems and policies as infrastructure to support
infrastruktur untuk mendukung kegiatan tersebut. these activities.
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Rasio Pengungkit Leverage Ratio
1. Laporan Total Eksposur dalam Rasio 1. Report on Total Exposure in Leverage Ratio
Pengungkit
(dalam jutaan rupiah) | (in million rupiah)
Periode
31 Desember 2023
Uraian Description
31 December 2023
Period
Total aset di Laporan Posisi Keuangan pada 47.891.016 Total assets in the Statement of Financial
Laporan Keuangan publikasi (Nilai gross Position in the published Financial
sebelum dikurangi CKPN) Statements (Gross amount before deducted
by CKPN)
Penyesuaian untuk nilai penyertaan pada - Adjustments on the equity investment value
Bank, lembaga keuangan, perusahaan in banks, financial institutions, insurance
asuransi, dan/atau entitas lain yang companies, and/or other entities based on
berdasarkan standar akuntansi keuangan financial accounting standards that must
harus dikonsolidasikan, namun di luar be consolidated, but beyond the scope of
cakupan konsolidasi berdasarkan ketentuan consolidation based on the provisions of the
Otoritas Jasa Keuangan Financial Services Authority
Penyesuaian untuk nilai kumpulan - Adjustments on the value of the underlying
aset keuangan yang mendasari yang financial assets pool that have been
telah dialihkan dalam sekuritisasi aset transferred in asset securitization that
yang memenuhi persyaratan jual putus meet the outright sell requirements as
sebagaimana diatur dalam Peraturan stipulated in the Financial Services Authority
Otoritas Jasa Keuangan mengenai prinsip Regulation on the prudential principle in
kehati-hatian dalam aktivitas sekuritisasi asset securitization activities for Commercial
aset bagi Bank Umum. Dalam hal aset Banks. In the event that the underlying
keuangan yang mendasari dimaksud telah financial assets have been deducted from
dikurangkan dari total aset pada Laporan the total assets in the Statement of Financial
Posisi Keuangan maka angka pada baris ini Position, the number on this line is 0 (zero)
adalah 0 (nol)
Penyesuaian terhadap pengecualian - Adjustments to the temporary exemption
sementara atas penempatan giro pada on placement of current accounts with
Bank Indonesia dalam rangka memenuhi Bank Indonesia to comply with the statutory
ketentuan giro wajib minimum (jika ada) reserve requirement (if any)
Penyesuaian untuk aset fidusia yang diakui - Adjustments for fiduciary assets recognized
sebagai komponen Laporan Posisi Keuangan as a component of the Statement of Financial
berdasarkan standar akuntansi keuangan, Position based on financial accounting
namun dikeluarkan dari perhitungan total standards, but excluded from the calculation
eksposur dalam Rasio Pengungkit of total exposure in the Leverage Ratio
Penyesuaian untuk nilai pembelian atau - Adjustments for the regular purchase or sale
penjualan aset keuangan secara reguler of financial assets value using the trade date
dengan menggunakan metode akuntansi accounting method
tanggal perdagangan
Penyesuaian untuk nilai transaksi cash - Adjustments for cash pooling transaction
pooling yang memenuhi persyaratan value that meets the requirements as
sebagaimana diatur dalam Peraturan stipulated in this Financial Services Authority
Otoritas Jasa Keuangan ini Regulation
Penyesuaian untuk nilai eksposur transaksi 67.315 Adjustments for derivative transaction
derivatif exposure values
Penyesuaian untuk nilai eksposur SFT - Adjustments for SFT exposure values, as an
sebagai contoh transaksi reverse repo example for reverse repo transactions
Penyesuaian untuk nilai eksposur TRA yang 6.501.574 Adjustments for TRA exposure values that
telah dikalikan dengan FKK has been multiplied by FKK
Penyesuaian penilaian prudensial berupa (1.450.391) Adjustments for prudential assessments in
faktor pengurang modal dan CKPN the form of capital deduction factors and
CKPN
Penyesuaian lainnya - Other adjustments
Total Eksposur dalam perhitungan Rasio 53.009.514 Total Exposures in the Leverage Ratio
Pengungkit calculation
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2. Laporan Perhitungan Rasio Pengungkit 2. Report on Leverage Ratio Calculation
(dalam jutaan rupiah) | (in million rupiah)
Periode
31 Desember 2023
Uraian Description
31 December 2023
Period
Eksposur Aset dalam Laporan Posisi Assets Exposure in the Statement of Financial
Keuangan Position
Eksposur aset dalam Laporan Posisi 47.859.105 Asset exposure in the Statement of Financial
Keuangan termasuk aset jaminan, namun Position that includes collateral assets, but
tidak termasuk eksposur transaksi derivatif does not include derivative transaction
dan eksposur SFT (Nilai gross sebelum exposure and SFT exposure (Gross value
dikurangi CKPN) before deducted by CKPN)
Nilai penambahan kembali untuk agunan - The added back value for derivative collateral
derivatif yang diserahkan kepada pihak given to a counterparty that results in a
lawan yang mengakibatkan penurunan total decrease in the total exposure of assets in
eksposur aset dalam neraca karena adanya the balance sheet due to the application of
penerapan standar akuntansi keuangan financial accounting standards
(Pengurangan atas piutang terkait CVM - (Deductions on CVM-related receivables
yang diberikan dalam transaksi derivatif) given in a derivative transaction)
(Penyesuaian untuk nilai tercatat surat - (Adjustments on the securities carrying value
berharga yang diterima dalam eksposur SFT received in SFT exposure that is recognized
yang diakui sebagai aset) as assets)
(CKPN atas aset tersebut sesuai standar (1.007.150) (CKPN on these assets is in accordance with
akuntansi keuangan) financial accounting standards)
(Aset yang telah diperhitungkan sebagai (443.241) (Assets that have been calculated as a
faktor pengurang Modal Inti sebagaimana deduction factor for Core Capital as referred
dimaksud dalam Peraturan Otoritas Jasa to in the Financial Services Authority
Keuangan mengenai kewajiban penyediaan Regulation on the capital adequacy ratio
modal minimum bagi Bank Umum) calculation for Commercial Banks)
Total Eksposur Aset dalam Laporan Posisi 46.408.714 Total Asset Exposures in the Statement of
Keuangan Penjumlahan dari baris 1 sampai Financial Position Sum of line 1 to line 6
dengan baris 6
Eksposur Transaksi Derivatif Derivative Transaction Exposure
Nilai RC untuk seluruh transaksi derivatif, 44.676 RC value for all derivative transactions,
baik dalam hal terdapat variation margin whether there is a variation margin that
yang memenuhi syarat ataupun terdapat meets the requirements or there is an
perjanjian saling hapus yang memenuhi offsetting agreement that meets certain
persyaratan tertentu requirements
Nilai penambahan yang merupakan PFE 54.550 Added value which is the PFE for all derivative
untuk seluruh transaksi derivatif transactions
(Pengecualian atas eksposur transaksi - (Exceptions on derivative transaction
derivatif yang diselesaikan melalui central exposure settled through a central
counterparty (CCP)) counterparty (CCP))
Penyesuaian untuk nilai nosional efektif dari - Adjustments for effective notional value of
derivatif kredit loan derivatives
(Penyesuaian untuk nilai nosional efektif yang - (Adjustments for effective notional value
dilakukan saling hapus dan pengurangan made by offsetting and add-on deductions
add-on untuk transaksi penjualan derivatif for loan derivative sales transactions)
kredit)
Total Eksposur Transaksi Derivatif 99.226 Total Derivative Transactions Exposure Sum
Penjumlahan baris 8 sampai dengan baris 12 of line 8 to line 12
Eksposur Securities Financing Transaction Securities Financing Transaction (SFT)
(SFT) Exposure
Nilai tercatat aset SFT secara gross - Gross SFT assets carrying value
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 201
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
(dalam jutaan rupiah) | (in million rupiah)
Periode
31 Desember 2023
Uraian Description
31 December 2023
Period
(Nilai bersih antara liabilitas kas dan tagihan - (Net value between cash liabilities and cash
kas) receivables)
Risiko Kredit akibat kegagalan pihak lawan - Loan risk due to counterparty’s failure
terkait aset SFT yang mengacu pada related to SFT assets which refers to the
perhitungan current exposure sebagaimana calculation of current exposure as stipulated
diatur dalam Lampiran Peraturan Otoritas in the Attachment to this Financial Services
Jasa Keuangan ini Authority Regulation
Eksposur sebagai agen SFT - Exposure as an SFT agent
Total Eksposur SFT Penjumlahan baris 14 - Total SFT Exposures Sum of lines 14 to line 17
sampai dengan baris 17
Eksposur Transaksi Rekening Administratif Administrative Account Transaction (TRA)
(TRA) Exposure
Nilai seluruh kewajiban komitmen atau 8.935.285 The value of all commitment or contingent
kewajiban kontinjensi (Nilai gross sebelum liabilities (Gross value before deducted by
dikurangi CKPN) CKPN)
(Penyesuaian terhadap hasil perkalian antara (2.423.751) (Adjustment to the result of multiplication
nilai kewajiban komitmen atau kewajiban between the value of commitment or
kontinjensi dan FKK kemudian dikurangi contingent liabilities and FKK then deducted
CKPN) by CKPN)
(CKPN atas TRA sesuai standar akuntansi (9.960) (CKPN on TRA according to the financial
keuangan) accounting standards)
Total Eksposur TRA 6.501.574 Total TRA Exposure
Modal dan Total Eksposur Capital and Total Exposure
Modal Inti 10.491.003 Core Capital
Total Eksposur 53.009.514 Total Exposure
Rasio Pengungkit (Leverage) Leverage Ratio
Nilai Rasio Pengungkit, termasuk dampak 19,79% Leverage Ratio, including the impact of
dari penyesuaian terhadap pengecualian adjustments to the temporary exemption
sementara atas penempatan giro pada on placement of current accounts with
Bank Indonesia dalam rangka memenuhi Bank Indonesia to comply with the statutory
ketentuan giro wajib minimum (jika ada) reserve requirement (if any)
Nilai Rasio Pengungkit, tidak termasuk 19,79% Leverage Ratio, not including the impact of
dampak dari penyesuaian terhadap adjustments to the temporary exemption
pengecualian sementara atas penempatan on placement of current accounts with
giro pada Bank Indonesia dalam rangka Bank Indonesia to comply with the statutory
memenuhi ketentuan giro wajib minimum reserve requirement (if any)
(jika ada)
Nilai Minimum Rasio Pengungkit 3,00% Leverage Ratio Minimum Value
Bantalan terhadap nilai Rasio Pengungkit - Bearing to Leverage Ratio value
Pengungkapan Nilai Rata-Rata Average Value Disclosure
Nilai rata-rata dari nilai tercatat aset SFT - Average value of SFT assets carrying value
secara gross, setelah penyesuaian untuk on a gross basis, after adjustments for sale
transaksi akuntansi penjualan (sale accounting transactions which are calculated
accounting transaction) yang dihitung on a net basis with cash liabilities in SFT and
secara bersih (nett) dengan liabilitas kas cash receivables in SFT
dalam SFT dan tagihan kas dalam SFT
202 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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Operational Aspects Corporate Governance Sustainability Report Financial Statements
(dalam jutaan rupiah) | (in million rupiah)
Periode
31 Desember 2023
Uraian Description
31 December 2023
Period
Nilai akhir triwulan laporan dari nilai tercatat - The final quarterly report value of SFT
aset SFT secara gross, setelah penyesuaian assets carrying value on a gross basis, after
untuk transaksi akuntansi penjualan (sale adjustments for sale accounting transactions
accounting transaction) yang dihitung which are calculated on a net basis with cash
secara bersih (nett) dengan liabilitas kas liabilities in SFT and cash receivables in SFT
dalam SFT dan tagihan kas dalam SFT
Total Eksposur, termasuk dampak dari 53.009.514 Total Exposure, including the impact on
penyesuaian terhadap pengecualian adjustments to the temporary exemption
sementara atas penempatan giro pada on placement of current accounts with
Bank Indonesia dalam rangka memenuhi Bank Indonesia to comply with the statutory
ketentuan giro wajib minimum (jika ada), reserve requirement (if any), that has inserted
yang telah memasukkan nilai rata-rata average value of SFT assets carrying value on
dari nilai tercatat aset SFT secara gross a gross basis as mentioned in line 28
sebagaimana dimaksud dalam baris 28
Total Eksposur, tidak termasuk dampak 53.009.514 Total Exposure, not including the impact on
dari penyesuaian terhadap pengecualian adjustments to the temporary exemption
sementara atas penempatan giro pada on placement of current accounts with
Bank Indonesia dalam rangka memenuhi Bank Indonesia to comply with the statutory
ketentuan giro wajib minimum (jika ada), reserve requirement (if any), that has inserted
yang telah memasukkan nilai rata-rata average value of SFT assets carrying value on
dari nilai tercatat aset SFT secara gross a gross basis as mentioned in line 28
sebagaimana dimaksud dalam baris 28
Nilai Rasio Pengungkit, termasuk dampak 19,79% Leverage Ratio, including the impact on
dari penyesuaian terhadap pengecualian adjustments to the temporary exemption
sementara atas penempatan giro pada on placement of current accounts with
Bank Indonesia dalam rangka memenuhi Bank Indonesia to comply with the statutory
ketentuan giro wajib minimum (jika ada), reserve requirement (if any), that has inserted
yang telah memasukkan nilai rata-rata average value of SFT assets carrying value on
dari nilai tercatat aset SFT secara gross a gross basis as mentioned in line 28
sebagaimana dimaksud dalam baris 28
Nilai Rasio Pengungkit, tidak termasuk 19,79% Leverage Ratio, not including the impact on
dampak dari penyesuaian terhadap adjustments to the temporary exemption
pengecualian sementara atas penempatan on placement of current accounts with
giro pada Bank Indonesia dalam rangka Bank Indonesia to comply with the statutory
memenuhi ketentuan giro wajib minimum reserve requirement (if any), that has inserted
(jika ada), yang telah memasukkan nilai rata- average value of SFT assets carrying value on
rata dari nilai tercatat aset SFT secara gross a gross basis as mentioned in line 28
sebagaimana dimaksud dalam baris 28
Dari hasil perhitungan Leverage Ratio untuk From the results of the calculation of the Leverage
periode Triwulan IV 2023, nilai Leverage Ratio Ratio for the period IV Quarter 2023, the value of
Bank KEB Hana berada pada level 19.79%,naik Bank KEB Hana’s Leverage Ratio is at the level of
jika dibandingkan dengan tahun sebelumnya. 19.79%, an increase when compared to the previous
Total Eksposur sebesar Rp53,01 triliun dan Modal year. Total exposure amounted to Rp53.01 trillion
Inti sebesar Rp10,49 triliun. Level tersebut masih and core capital of Rp10.49 trillion. This level is still
diatas ketentuan minimum Leverage Ratio yang above the minimum Leverage Ratio requirement
ditetapkan yaitu sebesar 3%. set at 3%.
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 203
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Analisis Kualitatif Qualitative Analysis
Dari hasil perhitungan leverage ratio untuk periode From the results of the leverage ratio calculation
triwulan IV 2023, nilai leverage ratio Bank Hana for the fourth quarter of 2023, Hana Bank’s leverage
berada pada level 19,79%, naik jika dibandingkan ratio value is at 19.79% level, an increase when
tahun sebelumnya, dimana total eksposur sebesar compared to the previous year, where the total
Rp53,01 triliun dan modal inti sebesar Rp10,49 triliun. exposure was Rp53.01 trillion and core capital
Level tersebut masih di atas ketentuan minimum was Rp10.49 trillion. This level remains above the
leverage ratio yang ditetapkan, yaitu sebesar 3%. minimum leverage ratio of 3%.
Liquidity Coverage Ratio Liquidity Coverage Ratio
Rasio kecukupan likuiditas atau liquidity coverage The liquidity adequacy ratio (LCR) is an indicator of
ratio (LCR) merupakan indikator ketahanan the Bank’s liquidity resilience. The LCR is measured
likuiditas Bank. Pengukuran LCR dilakukan based on the Bank’s ability to survive for 30 days
berdasarkan kemampuan Bank bertahan selama 30 in a stress scenario, using 2 (two) calculation
hari dalam skenario stress dengan menggunakan components, namely the stock of high-quality
2 (dua) komponen perhitungan, yaitu jumlah aset liquid assets (HQLA) and the total net cash outflow
likuid berkualitas tinggi atau stock high quality (NCOF).
liquid assets (HQLA) dan total arus bersih kas keluar
atau net cash out flows (NCOF).
Individual
Individual
Posisi Triwulan IV 2023 Posisi Triwulan III 2023
Fourth Quarter Position of 2023 Third Quarter Position of 2023
Nilai Oustanding Nilai HQLA Setelah Nilai Oustanding Nilai HQLA Setelah
Kewajiban dan Pengurangan Kewajiban dan Pengurangan
Komitmen/ Nilai Nilai (Haircut) Komitmen/ Nilai Nilai (Haircut)
Tagihan Kontraktual atau Outstanding Tagihan Kontraktual atau Outstanding
Outstanding Kewajiban Dikalikan Outstanding Kewajiban Dikalikan
Obligation and Tingkat Penarikan Obligation and Tingkat Penarikan
Commitment Value/ (Run-Off Rate) Commitment Value/ (Run-Off Rate)
Komponen Contractual Billing atau Nilai Tagihan Contractual Billing atau Nilai Tagihan
Rate Kontraktual Rate Kontraktual
Dikalikan Tingkat Dikalikan Tingkat
Penerimaan Penerimaan
(Inflow Rate) (Inflow Rate)
HQLA Value HQLA Value
After Haircut After Haircut
or Outstanding or Outstanding
Obligation Multiplied Obligation Multiplied
by the Run-Off Rate by the Run-Off Rate
or Contractual Billing or Contractual Billing
Rate Multiplied by Rate Multiplied by
Inflow Rate Inflow Rate
Jumlah data poin
yang digunakan
63 hari 62 hari
dalam perhitungan
LCR
High Quality Liquid
Asset (HQLA)
Total High Quality
6.828.404 7.958.742
Liquid Asset (HQLA)
204 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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Operational Aspects Corporate Governance Sustainability Report Financial Statements
Bank senantiasa berupaya untuk melakukan The Bank always strives to measure and monitor
pengukuran dan pemantauan terhadap LCR, LCR on a daily, monthly, and quarterly basis.
baik harian, bulanan, dan triwulan. Perhitungan Bank LCR calculations are based on Financial
LCR Bank mengacu pada Peraturan Otoritas Jasa Services Authority Regulation No. 42/POJK.03/2015
Keuangan No. 42/POJK.03/2015 tentang Kewajiban regarding the obligation to meet the Liquidity
Pemenuhan Rasio Kecukupan Likuiditas (Liquidity Coverage Ratio for Conventional Banks, and are
Coverage Ratio) bagi Bank Konvensional dan presented in accordance with Financial Services
disajikan sesuai dengan Surat Edaran Otoritas Authority Circular Letter No. 43/SEOJK.03/2016
Jasa Keuangan No. 43/SEOJK.03/2016 tentang concerning Transparency and Publication of Bank
Transparansi dan Publikasi Laporan Bank. Reports.
Berikut informasi mengenai LCR yang juga The following is information regarding LCR that is
diungkapkan pada situs web Bank secara also disclosed on the Bank’s website on a quarterly
triwulanan dengan judul “Liquidity Coverage Ratio basis under the title “Liquidity Coverage Ratio
Report .” Report.”
Konsolidasian
Consolidation
Posisi Triwulan IV 2023 Posisi Triwulan III 2023
Fourth Quarter Position of 2023 Third Quarter Position of 2023
Nilai Oustanding Nilai HQLA Setelah Nilai Oustanding Nilai HQLA Setelah
Kewajiban dan Pengurangan Kewajiban dan Pengurangan
Komitmen/ Nilai Nilai (Haircut) Komitmen/ Nilai Nilai (Haircut)
Tagihan Kontraktual atau Outstanding Tagihan Kontraktual atau Outstanding
Outstanding Kewajiban Dikalikan Outstanding Kewajiban Dikalikan
Obligation and Tingkat Penarikan Obligation and Tingkat Penarikan
Commitment Value/ (Run-Off Rate) Commitment Value/ (Run-Off Rate)
Contractual Billing atau Nilai Tagihan Contractual Billing atau Nilai Tagihan Component
Rate Kontraktual Rate Kontraktual
Dikalikan Tingkat Dikalikan Tingkat
Penerimaan Penerimaan
(Inflow Rate) (Inflow Rate)
HQLA Value HQLA Value
After Haircut After Haircut
or Outstanding or Outstanding
Obligation Multiplied Obligation Multiplied
by the Run-Off Rate by the Run-Off Rate
or Contractual Billing or Contractual Billing
Rate Multiplied by Rate Multiplied by
Inflow Rate Inflow Rate
Number of data
points used in the LCR
63 hari 62 hari
calculation
High Quality Liquid
Asset (HQLA)
Total High Quality
6.828.404 7.958.742
Liquid Asset (HQLA)
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 205
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Ikhtisar Utama 2023 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen
Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Individual
Individual
Posisi Triwulan IV 2023 Posisi Triwulan III 2023
Fourth Quarter Position of 2023 Third Quarter Position of 2023
Nilai Oustanding Nilai HQLA Setelah Nilai Oustanding Nilai HQLA Setelah
Kewajiban dan Pengurangan Kewajiban dan Pengurangan
Komitmen/ Nilai Nilai (Haircut) Komitmen/ Nilai Nilai (Haircut)
Tagihan Kontraktual atau Outstanding Tagihan Kontraktual atau Outstanding
Outstanding Kewajiban Dikalikan Outstanding Kewajiban Dikalikan
Obligation and Tingkat Penarikan Obligation and Tingkat Penarikan
Commitment Value/ (Run-Off Rate) Commitment Value/ (Run-Off Rate)
Komponen Contractual Billing atau Nilai Tagihan Contractual Billing atau Nilai Tagihan
Rate Kontraktual Rate Kontraktual
Dikalikan Tingkat Dikalikan Tingkat
Penerimaan Penerimaan
(Inflow Rate) (Inflow Rate)
HQLA Value HQLA Value
After Haircut After Haircut
or Outstanding or Outstanding
Obligation Multiplied Obligation Multiplied
by the Run-Off Rate by the Run-Off Rate
or Contractual Billing or Contractual Billing
Rate Multiplied by Rate Multiplied by
Inflow Rate Inflow Rate
Arus Kas Keluar
(Cash Outflows)
Simpanan Nasabah
perorangan dan
pendanaan yang
berasal dari nasabah
usaha mikro dan
usaha kecil, terdiri dari:
1. Simpanan/ 2.028.233 101.412 2.112.381 105.619
pendanaan stabil
2. Simpanan/ 3.224.580 322.458 2.978.921 297.892
pendanaan kurang
stabil
Pendanaan yang
berasal dari nasabah
korporasi, terdiri dari:
1. Simpanan 7.253.384 1.660.700 7.476.265 1.714.140
operasional
2. Simpanan non- 5.304.739 2.006.687 5.960.190 2.271.881
operasional dan/
atau kewajiban
lainnya yang bersifat
non-operasional
3. Surat berharga - - - -
berupa surat utang
yang diterbitkan
oleh Bank
(unsecured debt)
Pendanaan dengan - -
agunan (secured
funding)
Arus kas keluar
lainnya (additional
requirement), terdiri
dari:
1. Arus kas keluar atas 2.997 2.997 22.589 22.589
transaksi derivatif
206 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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Operational Aspects Corporate Governance Sustainability Report Financial Statements
Konsolidasian
Consolidation
Posisi Triwulan IV 2023 Posisi Triwulan III 2023
Fourth Quarter Position of 2023 Third Quarter Position of 2023
Nilai Oustanding Nilai HQLA Setelah Nilai Oustanding Nilai HQLA Setelah
Kewajiban dan Pengurangan Kewajiban dan Pengurangan
Komitmen/ Nilai Nilai (Haircut) Komitmen/ Nilai Nilai (Haircut)
Tagihan Kontraktual atau Outstanding Tagihan Kontraktual atau Outstanding
Outstanding Kewajiban Dikalikan Outstanding Kewajiban Dikalikan
Obligation and Tingkat Penarikan Obligation and Tingkat Penarikan
Commitment Value/ (Run-Off Rate) Commitment Value/ (Run-Off Rate)
Contractual Billing atau Nilai Tagihan Contractual Billing atau Nilai Tagihan Component
Rate Kontraktual Rate Kontraktual
Dikalikan Tingkat Dikalikan Tingkat
Penerimaan Penerimaan
(Inflow Rate) (Inflow Rate)
HQLA Value HQLA Value
After Haircut After Haircut
or Outstanding or Outstanding
Obligation Multiplied Obligation Multiplied
by the Run-Off Rate by the Run-Off Rate
or Contractual Billing or Contractual Billing
Rate Multiplied by Rate Multiplied by
Inflow Rate Inflow Rate
Cash Outflows
Deposits from
individual customers
and funding from
micro- and small
business customers,
consisting of:
2.028.233 101.412 2.112.381 105.619 1. Stable deposit/
funding
3.224.580 322.458 2.978.921 297.892 2. Less-stable deposit/
funding
Funding derived from
corporate customers,
consisting of:
7.253.384 1.660.700 7.476.265 1.714.140 1. Operational Deposit
5.304.739 2.006.687 5.960.190 2.271.881 2. Non-operational
deposits and/
or other
nonoperational
obligations
- - - - 3. Securities in the
form of debentures
issued by the Bank
(unsecured debt)
- - Funding with
collateral (secured
funding)
Other cash
outflow (additional
requirements),
consisting of:
2.997 2.997 22.589 22.589 Cash outflow from
derivative transactions
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 207
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Ikhtisar Utama 2023 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen
Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Individual
Individual
Posisi Triwulan IV 2023 Posisi Triwulan III 2023
Fourth Quarter Position of 2023 Third Quarter Position of 2023
Nilai Oustanding Nilai HQLA Setelah Nilai Oustanding Nilai HQLA Setelah
Kewajiban dan Pengurangan Kewajiban dan Pengurangan
Komitmen/ Nilai Nilai (Haircut) Komitmen/ Nilai Nilai (Haircut)
Tagihan Kontraktual atau Outstanding Tagihan Kontraktual atau Outstanding
Outstanding Kewajiban Dikalikan Outstanding Kewajiban Dikalikan
Obligation and Tingkat Penarikan Obligation and Tingkat Penarikan
Commitment Value/ (Run-Off Rate) Commitment Value/ (Run-Off Rate)
Komponen Contractual Billing atau Nilai Tagihan Contractual Billing atau Nilai Tagihan
Rate Kontraktual Rate Kontraktual
Dikalikan Tingkat Dikalikan Tingkat
Penerimaan Penerimaan
(Inflow Rate) (Inflow Rate)
HQLA Value HQLA Value
After Haircut After Haircut
or Outstanding or Outstanding
Obligation Multiplied Obligation Multiplied
by the Run-Off Rate by the Run-Off Rate
or Contractual Billing or Contractual Billing
Rate Multiplied by Rate Multiplied by
Inflow Rate Inflow Rate
2. Arus kas keluar - - - -
atas peningkatan
kebutuhan kualitas
3. Arus kas atas - - - -
kehilangan
pendanaan
4. Arus kas keluar 6.529.717 906.374 6.032.110 864.285
atas penarikan
komitmen fasilitas
kredit dan fasilitas
likuiditas
5. Arus kas keluar - - - -
atas kewajiban
kontraktual lainnya
terkait penyaluran
dana
6. Arus kas keluar atas 1.340.701 55.607 1.140.029 50.883
kewajiban kontijensi
pendanaan lainnya
7. Arus kas keluar 1.466.694 1.466.694 1.301.952 1.301.952
kontraktual lainnya
Total Arus Kas Keluar - 6.522.929 - 6.629.241
(Cash Outflows)
Arus Kas Masuk (Cash
Inflows)
Pinjaman dengan - - - -
lending secured
lending
Tagihan berasal 4.065.308 3.192.119 4.070.033 3.103.082
dari pihak lawan
(counterparty) yang
bersifat lancar (inflows
from fully performing
exprosures)
208 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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Operational Aspects Corporate Governance Sustainability Report Financial Statements
Konsolidasian
Consolidation
Posisi Triwulan IV 2023 Posisi Triwulan III 2023
Fourth Quarter Position of 2023 Third Quarter Position of 2023
Nilai Oustanding Nilai HQLA Setelah Nilai Oustanding Nilai HQLA Setelah
Kewajiban dan Pengurangan Kewajiban dan Pengurangan
Komitmen/ Nilai Nilai (Haircut) Komitmen/ Nilai Nilai (Haircut)
Tagihan Kontraktual atau Outstanding Tagihan Kontraktual atau Outstanding
Outstanding Kewajiban Dikalikan Outstanding Kewajiban Dikalikan
Obligation and Tingkat Penarikan Obligation and Tingkat Penarikan
Commitment Value/ (Run-Off Rate) Commitment Value/ (Run-Off Rate)
Contractual Billing atau Nilai Tagihan Contractual Billing atau Nilai Tagihan Component
Rate Kontraktual Rate Kontraktual
Dikalikan Tingkat Dikalikan Tingkat
Penerimaan Penerimaan
(Inflow Rate) (Inflow Rate)
HQLA Value HQLA Value
After Haircut After Haircut
or Outstanding or Outstanding
Obligation Multiplied Obligation Multiplied
by the Run-Off Rate by the Run-Off Rate
or Contractual Billing or Contractual Billing
Rate Multiplied by Rate Multiplied by
Inflow Rate Inflow Rate
- - - - Cash outflow for
increasing quality
requirements
- - - - Cash flow from loss of
funding
6.529.717 906.374 6.032.110 864.285 Cash outflow for
withdrawal of loan
and liquidity facility
commitments
- - - - Cash outflow for
other contractual
obligations related to
channelling of funds
1.340.701 55.607 1.140.029 50.883 Cash outflow for other
funding contingent
liabilities
1.466.694 1.466.694 1.301.952 1.301.952 Other contractual
cash outflow
- 6.522.929 - 6.629.241 Total Cash Outflows
Cash Inflows
- - - - Loan with lending
(secured lending)
4.065.308 3.192.119 4.070.033 3.103.082 Claims from current
counterparties
(inflows from fully
performing exposures)
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 209
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Ikhtisar Utama 2023 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen
Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Individual
Individual
Posisi Triwulan IV 2023 Posisi Triwulan III 2023
Fourth Quarter Position of 2023 Third Quarter Position of 2023
Nilai Oustanding Nilai HQLA Setelah Nilai Oustanding Nilai HQLA Setelah
Kewajiban dan Pengurangan Kewajiban dan Pengurangan
Komitmen/ Nilai Nilai (Haircut) Komitmen/ Nilai Nilai (Haircut)
Tagihan Kontraktual atau Outstanding Tagihan Kontraktual atau Outstanding
Outstanding Kewajiban Dikalikan Outstanding Kewajiban Dikalikan
Obligation and Tingkat Penarikan Obligation and Tingkat Penarikan
Commitment Value/ (Run-Off Rate) Commitment Value/ (Run-Off Rate)
Komponen Contractual Billing atau Nilai Tagihan Contractual Billing atau Nilai Tagihan
Rate Kontraktual Rate Kontraktual
Dikalikan Tingkat Dikalikan Tingkat
Penerimaan Penerimaan
(Inflow Rate) (Inflow Rate)
HQLA Value HQLA Value
After Haircut After Haircut
or Outstanding or Outstanding
Obligation Multiplied Obligation Multiplied
by the Run-Off Rate by the Run-Off Rate
or Contractual Billing or Contractual Billing
Rate Multiplied by Rate Multiplied by
Inflow Rate Inflow Rate
Arus kas masuk 2.091 2.091 1.031 1.031
lainnya
Total Arus Kas Masuk 4.063.399 3.194.210 4.071.063 3.104.112
(Cash Inflows)
Total Adjusted Value1) Total Adjusted Value1)
Total HQLA 6.828.404 7.958.742
Total Arus Kas Keluar 3.328.719 3.525.129
Bersih (Net Cash
Outflows)
LCR (%) 205,14 225,77
Catatan: | Note:
1)
Adjusted value dihitung setelah pengenaan pengurangan nilai (haircut), tingkat penarikan (run-off rate), dan tingkat penerimaan
(inflow rate) serta batas maksimum komponen HQLA, misalnya batas maksimum HQLA Level 2B dan HQLA Level 2 serta batas
maksimum arus kas masuk yang dapat diperhitungkan dalam LCR.
Adjusted value is calculated after the imposition of haircut, run-off rate, and inflow rate, as well as the maximum limit of HQLA
components, for example the maximum limit of HQLA Level 2B and HQLA Level 2 and the maximum limit of cash inflow that can be
calculated in LCR.
Berdasarkan hasil perhitungan LCR untuk periode Based on LCR calculations results for the fourth
triwulan IV 2023 (rata-rata harian untuk triwulan quarter of 2023 (daily average for the fourth quarter
IV 2023), nilai LCR Bank Hana berada pada level of 2023), Hana Bank’s LCR value is 205.14%, with an
205,14%, di mana rata-rata HQLA sebesar Rp6,82 average HQLA of Rp 6.82 trillion and an average net
triliun dan rata-rata net cash out flow sebesar cash outflow of Rp 3.32 trillion. This level remains
Rp3,32 triliun. Level tersebut masih di atas above the OJK’s minimum LCR requirement, which
ketentuan minimum LCR yang ditetapkan OJK is 100%.
yaitu minimum sebesar 100%.
Apabila dibandingkan dengan posisi triwulan When compared to the previous quarter’s position
sebelumnya, yaitu sebesar 225,77%, LCR triwulan of 225.77%, the LCR for the fourth quarter of 2023
IV 2023 mengalami penurunan sebesar 20,64%. decreased by 20.64%. Net cash outflow decreased
Net cash out flow turun sebesar 5,57% dari Rp 3,52 by 5.57% from Rp 3.52 trillion to Rp 3.32 trillion, while
triliun menjadi Rp 3,32 triliun, sementara HQLA HQLA fell by 14.20% from Rp 7.95 trillion to Rp 6.82
turun sebesar 14,20% dari Rp 7,95 triliun menjadi trillion.
Rp 6,82 triliun.
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Konsolidasian
Consolidation
Posisi Triwulan IV 2023 Posisi Triwulan III 2023
Fourth Quarter Position of 2023 Third Quarter Position of 2023
Nilai Oustanding Nilai HQLA Setelah Nilai Oustanding Nilai HQLA Setelah
Kewajiban dan Pengurangan Kewajiban dan Pengurangan
Komitmen/ Nilai Nilai (Haircut) Komitmen/ Nilai Nilai (Haircut)
Tagihan Kontraktual atau Outstanding Tagihan Kontraktual atau Outstanding
Outstanding Kewajiban Dikalikan Outstanding Kewajiban Dikalikan
Obligation and Tingkat Penarikan Obligation and Tingkat Penarikan
Commitment Value/ (Run-Off Rate) Commitment Value/ (Run-Off Rate)
Contractual Billing atau Nilai Tagihan Contractual Billing atau Nilai Tagihan Component
Rate Kontraktual Rate Kontraktual
Dikalikan Tingkat Dikalikan Tingkat
Penerimaan Penerimaan
(Inflow Rate) (Inflow Rate)
HQLA Value HQLA Value
After Haircut After Haircut
or Outstanding or Outstanding
Obligation Multiplied Obligation Multiplied
by the Run-Off Rate by the Run-Off Rate
or Contractual Billing or Contractual Billing
Rate Multiplied by Rate Multiplied by
Inflow Rate Inflow Rate
2.091 2.091 1.031 1.031 Other cash inflows
4.063.399 3.194.210 4.071.063 3.104.112 Total Cash Inflows
Total Adjusted Value1) Total Adjusted Value1)
6.828.404 7.958.742 Total HQLA
3.328.719 3.525.129 Total Net Cash
Outflows
205,14 225,77 LCR (%)
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Informasi untuk konsentrasi sumber pendanaan The information for the concentration of Hana
Bank Hana pada triwulan IV tahun 2023 disajikan Bank’s funding sources in the fourth quarter of
sebagai berikut: 2023 is presented below:
FCY
Rp
(USD)
DPK 59,08% 49,84% Third Party Fund
Interbank 2,42% 35,19% Interbank
Modal 37,63% 0% Capital
Lainnya 0,87% 14,97% Others
Total 100% 100% Total
Net Stable Funding Ratio Net Stable Funding Ratio
Berdasarkan hasil perhitungan net stable funding Based on the results of the net stable funding ratio
ratio (NSFR) untuk periode triwulan IV 2023, nilai (NSFR) calculation for the fourth quarter of 2023,
NSFR Bank mencapai 114,27%, menurun sebesar the Bank’s NSFR value reached 114.27%, a 2.77%
2,77% dibandingkan dengan periode triwulan decrease from the previous quarter period, which
sebelumnya, yakni 117,04%. Pendanaan stabil was 117.04%. Available stable funding (RSA) is Rp
yang tersedia (available stable funding – RSA) 29.69 trillion, while required stable funding (RSF) is
sebesar Rp29,69 triliun dan pendanaan stabil yang Rp 25.98 trillion. The Bank’s NSFR value exceeds the
diperlukan (required stable funding - RSF) sebesar regulator’s NSFR provisions, which is 100%.
Rp25,98 triliun. Nilai NSFR Bank berada di atas
ketentuan NSFR regulator yang ditetapkan, yaitu
sebesar 100%.
Faktor utama yang mempengaruhi ASF meliputi: The primary factors influencing ASF are:
1. Modal sebesar Rp11,06 triliun (37,26% dari total 1. Capital of Rp 11.06 trillion (37.26% of the total
ASF); ASF);
2. Simpanan dan pendanaan yang berasal dari 2. Deposits and funding from individual, micro,
nasabah perorangan, mikro, dan kecil sebesar and small customers totaled Rp 8.24 trillion
Rp8,24 triliun (27,75% dari total ASF); dan (27.75% of the total ASF);
3. Simpanan dan pendanaan yang berasal dari 3. Corporate customer deposits and funding
nasabah korporasi sebesar Rp10,27 triliun amounted to Rp 10.27 trillion (34.60% of the total
(34,60% dari total ASF). ASF).
Sedangkan, faktor utama yang mempengaruhi Meanwhile, the primary factors influencing RSF are:
RSF meliputi: 1. Loans in the performing and special mention
1. Pinjaman kategori lancar dan dalam perhatian categories and securities that are not in default
khusus (performing) dan surat berharga yang amounted to Rp 23.28 trillion (89.60% of the
tidak gagal bayar (default) sebesar Rp 23,28 total RSF);
triliun (89,60% dari total RSF); dan 2. Other RSF amounted to Rp 1.88 trillion (7.27% of
2. RSF lainnya sebesar Rp1,88 triliun (7,27% dari the total RSF).
total RSF).
Pada triwulan IV 2023, Bank memiliki posisi aset In the fourth quarter of 2023, the Bank had an asset
yang memiliki pasangan kewajiban yang saling position with interdependent liability pairs and
bergantung maupun kewajiban yang memiliki liabilities with interdependent asset pairs totaling
pasangan aset yang saling bergantung sebesar Rp 1.30 trillion.
Rp1,30 triliun.
Manajemen menjalankan fungsi pengawasan Management is responsible for supervising Hana
terhadap kondisi likuiditas Bank Hana yang Bank’s liquidity conditions, which are supported by
didukung oleh perangkat pengukuran dan measurement tools and reported to Management
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dilaporkan secara berkala oleh unit kerja terkait and Regulators on a regular basis by the relevant
kepada Manajemen dan Regulator. work units.
Pemantauan terhadap likuiditas secara keseluruhan Management periodically monitors overall liquidity
juga dipantau secara berkala melalui oleh pihak through Asset and Liabilities Committee (ALCO)
manajemen melalui pertemuan Rapat Asset and meetings, whose main tasks include ensuring
Liabilities Committee (ALCO) yang memiliki tugas that the Bank has sufficient liquidity and capital to
pokok antara lain memastikan bahwa setiap saat support operational activities at all times, as well as
Bank mempunyai llikuditas dan modal yang cukup collecting and monitoring important information,
untuk mendukung kegiatan operasional juga such as the national economic and monetary
menghimpun dan memantau informasi penting, macro situation and conditions, as well as national
seperti situasi dan kondisi makro perekonomian banking developments, products, liquidity, interest
dan moneter nasional serta perkembangan on national banking funds and loans, and national
perbankan nasional, produk, likuiditas, suku bunga banking performance.
dana dan kredit perbankan nasional dan kinerja
perbankan nasional.
Internal Capital Adequacy Assessment Process Internal Capital Adequacy Assessment Process
Penerapan Internal Capital Adequacy Assessment The Internal Capital Adequacy Assessment Process
Process (ICAAP) pada Bank Hana bertujuan (ICAAP) implementation at Hana Bank aims to
untuk mengukur kecukupan modal minimum measure minimum capital adequacy in accordance
sesuai dengan profil risiko Bank. Selain itu, ICAAP with the Bank’s risk profile. Furthermore, ICAAP can
dapat membantu penetapan strategi untuk assist in the development of capital preservation
memelihara tingkat permodalan sebagai bagian strategies as part of increasing the effectiveness of
dari peningkatan efektivitas praktik manajemen the Bank’s risk management practices.
risiko di Bank.
ICAAP pada Bank Hana juga bertujuan untuk ICAAP at Hana Bank also aims to help align the
membantu menyelaraskan antara kebijakan Bank’s policies with current regulations, allowing
Bank dengan peraturan yang beraku saat ini, agar all identified and measurable risks to be reported
seluruh risiko yang teridentifikasi dan terukur directly to the Commercial Bank KPMM Reporting
dapat dilaporkan langsung kepada Tim Pelaporan Team in accordance with the risk profile submitted
KPMM Bank Umum sesuai dengan profil risiko to the Financial Services Authority each semester.
yang dilaporkan tiap semester kepada Otoritas The Hana Financial Group reports ICAAP every
Jasa Keuangan. Adapun kepada Hana Financial month.
Grup, ICAAP dilaporkan setiap bulan.
Dalam rangka meningkatkan transparansi kepada Hana Bank implements a variety of strategies to
masyarakat, Bank Hana melakukan beberapa increase public transparency, including capital
strategi seperti pengungkapan permodalan, disclosure, risk exposure disclosure, and risk
pengungkapan eksposur risiko, dan penerapan management implementation. In this way, the
manajemen risiko. Dengan demikian, masyarakat public can evaluate the Bank’s capital adequacy
dapat menilai kecukupan permodalan dan and risk profile. The Bank’s risk management
profil risiko Bank. Kebijakan terkait cakupan policy includes policies on disclosure coverage and
pengungkapan dan pengendalian internal internal controls.
tercantum dalam kebijakan manajemen risiko
Bank.
Pengelolaan Risiko melalui Permodalan Risk Management through Capital
Komposisi Permodalan Capital Composition
Komposisi permodalan Bank Hana mengacu pada Hana Bank’s capital composition is based on the
revised Pillar 3 Disclosure Requirements yang revised Pillar 3 Disclosure Requirements issued by
dikeluarkan oleh Basel Committee on Banking the Basel Committee on Banking Supervision in
Supervision pada Januari 2015. January 2015.
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Adapun pengungkapan komposisi permodalan The disclosure of the Bank’s capital composition is
Bank diuraikan sebagai berikut: described as follows:
Format Standar Pengungkapan Permodalan Standard Format for Capital Disclosure in
sesuai dengan Kerangka Basel III accordance with the Basel III Framework
(dalam jutaan rupiah) | (in million rupiah)
No. Ref yang
berasal dari
Jumlah
Keterangan Neraca Description
Amount
Ref No. from
Balance Sheet
Modal Inti Utama (Common Primary Core Capital (Common
Equity Tier I)/CET1: Instrumen Equity Tier I)/ CET1: Instruments
dan Tambahan Modal Disetor and Additions of Paid-in Capital
Saham biasa (termasuk stock 4.613.368 a Common stock (including surplus
surplus) stock)
Laba ditahan 6.403.751 b Retained earnings
Akumulasi penghasilan 21.022 c Accumulated other
komprehensif lain (dan cadangan comprehensive income (and other
lain) reserves)
Modal yang termasuk phase out N/A Capital that is included in the
dari CET 1 phase out of CET 1
Kepentingan non-pengendali 0 Calculated minority interest
yang dapat diperhitungkan
CET 1 Sebelum Regulatory 11.038.141 CET 1 Before Regulatory
Adjustment Adjustment
CET 1: Faktor Pengurang CET 1: Deduction Factors
(Regulatory Adjustment) (Regulatory Adjustment)
Selisih kurang jumlah 0 Negative differences on
penyesuaian nilai wajar dari adjustment of fair value on
instrumen keuangan dalam financial instrument in the trading
trading book book
Goodwill 0 e Goodwill
Aset tidak berwujud lainnya (16.639) f Other intangible assets (other
(selain mortgage-servicing rights) than mortgage-servicing rights)
Aset pajak tangguhan yang N/A Deferred tax assets derived from
berasal dari future profitability future profitability
Cash-flow hedge reserve N/A Cash-flow hedge reserve
Shortfall on provisions to expected N/A Shortfall on provisions to expected
losses losses
Keuntungan penjualan aset dalam 0 Gain on sale of assets in
transaksi sekuritisasi securitization transactions
Peningkatan/penurunan nilai 0 Increase/decrease in fair value of
wajar atas kewajiban keuangan financial liabilities (DVA)
(DVA)
Aset pensiun manfaat pasti N/A Defined benefit pension assets
Investasi pada saham sendiri (jika N/A Investments in own shares (if
belum di net dalam modal di not in net capital on the Balance
Neraca) Sheet)
Kepemilikan silang pada 0 Cross ownership in CET 1
instrumen CET 1 pada Entitas Lain instruments with Other Entities
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(dalam jutaan rupiah) | (in million rupiah)
No. Ref yang
berasal dari
Jumlah
Keterangan Neraca Description
Amount
Ref No. from
Balance Sheet
Investasi pada Modal Bank, N/A Investments in Bank’s Capital,
Entitas Keuangan, dan asuransi di Financial Entities, and insurance
luar cakupan konsolidasi secara outside the scope of consolidated
ketentuan, net posisi short yang provisions, permitted net short
diperkenankan, di mana Bank positions, where the Bank does
tidak memiliki lebih dari 10% not have more than 10% of the
modal saham yang diterbitkan issued share capital (amount
(jumlah di atas batasan 10%) above the 10% limit)
Investasi signifikan pada Saham N/A Significant investments in Bank’s
Biasa Bank, Entitas Keuangan, Common Stock, Financial Entities,
dan asuransi di luar cakupan and insurance outside the scope
konsolidasi secara ketentuan, net of consolidated provisions,
posisi short yang diperkenankan permitted net short positions
(jumlah di atas batasan 10%) (amount above the 10% limit)
Mortgage servicing rights 0 Mortgage servicing rights
Aset pajak tangguhan yang N/A Deferred tax assets from
berasal dari perbedaan temporer temporary differences (amount
(jumlah di atas batasan 10%, net over the 10% limit, net of tax
dari kewajiban pajak) liability)
Jumlah melebihi batasan 15% dari: N/A Amount exceeds the 15% limit of:
Investasi signifikan pada saham N/A Significant investment in
biasa Financials financials common stock
Mortgage servicing rights N/A Mortgage servicing rights
Pajak tangguhan dari perbedaan N/A Deferred tax on temporary
temporer differences
Penyesuaian berdasarkan Adjustments based on national
ketentuan spesifik nasional specific provisions
a. Selisih PPKA dan CKPN 0 Difference between PPKA and
CKPN
b. PPKA non-produktif (103.897) Non-productive PPKA
c. Aset pajak tangguhan (168.083) g Deferred tax assets
d. Penyertaan (106.519) h Equity investment
e. Kekurangan modal pada 0 Lack of capital in the insurance
perusahaan anak asuransi subsidiary
f. Eksposur sekuritisasi 0 Securitization exposure
g. Lainnya 0 Others
Penyesuaian pada CET 1 akibat The adjustment in CET 1 due to
additional tier (AT) dan Tier Additional Tier (AT) and Tier 2
2 lebih kecil daripada faktor is smaller than the deduction
pengurangnya factor
Jumlah pengurang (regulatory (547.138) Amount of deductions (regulatory
adjustment) terhadap CET 1 adjustments) to CET 1
Jumlah CET 1 setelah faktor 10.491.003 CET 1 amount after the deduction
pengurang factor
Modal Inti Tambahan (AT 1): Supplementary – Core Capital
Instrumen (AT 1): Instruments
Instrumen AT 1 yang Diterbitkan 0 AT 1 instrument issued by the
oleh Bank (termasuk stock Bank (including stock surplus)
surplus)
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(dalam jutaan rupiah) | (in million rupiah)
No. Ref yang
berasal dari
Jumlah
Keterangan Neraca Description
Amount
Ref No. from
Balance Sheet
Yang diklasifikasikan sebagai 0 Classified as equity based on
ekuitas berdasarkan standar accounting standards
akuntansi
Yang diklasifikasikan sebagai 0 Classified as liabilities based on
liabilitas berdasarkan standar accounting standards
akuntansi
Modal yang termasuk phase out N/A Capital included in phase out of
dari AT 1 AT 1
Instrumen AT 1 yang diterbitkan 0 AT 1 instrument issued by
oleh Entitas Anak yang diakui Subsidiaries which is recognized
dalam perhitungan KPMM secara in the calculation of KPMM on a
konsolidasi consolidated basis
Instrumen yang diterbitkan N/A Instruments issued by Subsidiaries
Entitas Anak yang termasuk that are included in phase out
phase out
Jumlah AT 1 Sebelum Regulatory A1 Amount before Regulatory
Adjustment Adjustment
Modal Inti Tambahan: Faktor Supplementary – Core Capital:
Pengurang (Regulatory Deduction Factor (Regulatory
Adjustment) Adjustment)
Investasi pada instrumen AT 1 N/A Investment in own AT 1 instrument
Sendiri
Kepemilikan silang pada 0 Cross ownership in AT 1
instrumen AT 1 pada Entitas Lain instrument with Other Entities
Investasi pada Modal Bank, N/A Investments in Bank’s Capital,
Entitas Keuangan, dan asuransi di Financial Entities, and insurance
luar cakupan konsolidasi secara outside the scope of consolidated
ketentuan, net posisi short yang provisions, permitted net short
diperkenankan, di mana bank positions, where the Bank does
tidak memiliki lebih dari 10% not have more than 10% of the
modal saham yang diterbitkan issued share capital (amount
(jumlah di atas batasan 10%) above the 10% limit)
Investasi signifikan pada N/A Significant investments in Bank’s
Modal Bank, Entitas Keuangan, Capital, Financial Entities, and
dan asuransi di luar cakupan insurance outside the scope of
konsolidasi secara ketentuan (net consolidated provisions (permitted
posisi short yang diperkenankan) net short positions)
Penyesuaian Berdasarkan 0 Adjustments based on national
Ketentuan Spesifik Nasional specific provisions
a. Penempatan dana pada 0 Placement of funds in AT 1
instrumen AT 1 pada Bank Lain instruments with other banks
Penyesuaian pada AT 1 akibat 0 The adjustment on AT 1 due to Tier
Tier 2 lebih kecil daripada faktor 2 is less than the deduction factor
pengurangnya
Jumlah Faktor Pengurang Total Deduction Factor
(Regulatory Adjustment) (Regulatory Adjustment) to AT 1
terhadap AT 1
Jumlah AT 1 Setelah Faktor AT 1 Amount after Deduction
Pengurang Factor
Jumlah Modal Inti (Tier 1) (CET 1 10.491.003 Total Core Capital (Tier 1) (CET 1
+ AT 1) + AT 1)
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(dalam jutaan rupiah) | (in million rupiah)
No. Ref yang
berasal dari
Jumlah
Keterangan Neraca Description
Amount
Ref No. from
Balance Sheet
Modal Pelengkap (Tier 2): Supplementary Capital (Tier 2):
Instrumen dan Cadangan Instruments and Reserves
Instrumen Tier 2 yang diterbitkan 0 i Tier 2 instruments issued by the
oleh Bank (termasuk stock Bank (including stock surplus)
surplus)
Modal yang termasuk phase out N/A Capital that is included as a phase
dari Tier 2 out of Tier 2
Instrumen Tier 2 yang diterbitkan 0 Tier 2 instrument issued by
oleh Entitas Anak yang diakui Subsidiaries which is recognized
dalam perhitungan KPMM secara in the calculation of KPMM on a
konsolidasi consolidated basis
Modal yang diterbitkan Entitas N/A Capital issued by Subsidiaries
Anak yang termasuk phase out which is included in the phase out
Cadangan umum PPKA atas aset 362.785 PPKA’s general reserve for earning
produktif yang wajib dihitung assets that must be calculated
dengan jumlah paling tinggi with a maximum amount of 1.25%
sebesar 1,25% dari ATMR untuk of the RWA for Loan Risk
Risiko Kredit
Jumlah Modal Pelengkap (Tier 2) 362.785 Total Supplementary Capital
Sebelum Faktor Pengurang (Tier 2) Before Deduction Factors
Modal Pelengkap (Tier 2): Supplementary Capital (Tier 2):
Faktor Pengurang (Regulatory Deduction Factors (Regulatory
Adjustment) Adjustment)
Investasi pada instrumen Tier 2 N/A Investment in own Tier 2
sendiri instruments
Kepemilikan silang pada 0 Cross ownership in Tier 2
instrumen Tier 2 pada Entitas Lain instruments with Other Entities
Investasi pada Modal bank, N/A Investments in Bank’s Capital,
Entitas Keuangan, dan asuransi di Finansial Entities, and insurance
luar cakupan konsolidasi secara outside the scope of consolidated
ketentuan, net posisi short yang provisions, permitted net short
diperkenankan, di mana Bank positions, where the Bank does
tidak memiliki lebih dari 10% not have more than 10% of the
modal saham yang diterbitkan issued share capital (amount
(jumlah di atas batasan 10%) above the 10% limit)
Investasi signifikan pada N/A Significant investments in Bank’s
Modal Bank, Entitas Keuangan, Capital, Financial Entities, and
dan asuransi di luar cakupan insurance outside the scope of
konsolidasi secara ketentuan (net consolidated provisions (permitted
posisi short yang diperkenankan) net short positions)
Penyesuaian berdasarkan 0 Adjustments based on national
ketentuan spesifik Nasional specific provisions
a. Sinking fund 0 Sinking fund
b. Penempatan dana pada 0 Placement of funds in Tier 2
instrumen Tier 2 pada bank lain instruments with other banks
Jumlah Faktor Pengurang 0 Total Supplementary Capital
(Regulatory Adjustment) Modal Deduction Factors (Regulatory
Pelengkap Adjustment)
Jumlah Modal Pelengkap (Tier 2) 362.785 Total Supplementary Capital
setelah Regulatory Adjustment (Tier 2) after Regulatory
Adjustments
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(dalam jutaan rupiah) | (in million rupiah)
No. Ref yang
berasal dari
Jumlah
Keterangan Neraca Description
Amount
Ref No. from
Balance Sheet
Total Modal (Modal Inti + Modal 10.853.788 Total Capital (Core Capital +
Pelengkap) Supplementary Capital)
Total Aset Tertimbang Menurut 38.282.629 Total Risk Weighted Assets
Risiko (ATMR) (RWA)
Rasio Kecukupan Pemenuhan Capital Adequacy Ratio (KPMM)
Modal Minimum (KPMM) dan and Additional Capital (Capital
Tambahan Modal (Capital Buffer) Buffer)
Rasio Modal Inti Utama (CET 1) – 27,40% Primary Core Capital (CET 1)
Persentase terhadap ATMR Ratio - Percentage of RWA
Rasio Modal Inti Utama (Tier 1) – 27,40% Primary Core Capital (Tier 1)
Persentase terhadap ATMR Ratio - Percentage of RWA
Rasio Total Modal - Persentase 28,35% Total Capital Ratio - Percentage
terhadap ATMR of RWA
Tambahan Modal (Buffer) - Additional Capital (Buffer) -
Persentase terhadap ATMR Percentage of RWA
Capital Conservation Buffer 2,50% Capital Conservation Buffer
Countercyclical Buffer - Countercyclical Buffer
Capital Surcharge untuk Bank - Capital Surcharge for Systemic
Sistemik Banks
Untuk Bank Umum Konvensional: 19,17% For Conventional Commercial
Modal Inti Utama (CET 1) yang Banks: Available Primary Core
tersedia untuk memenuhi Capital (CET 1) to fulfill Additional
Tambahan Modal (Buffer) – Capital (Buffer) - percentage of
persentase terhadap ATMR RWA For Bank’s branch offices
untuk kantor cabang dari Bank abroad: Available Share of
yang berkedudukan di luar Business Funds placed in CEMA
negeri: Bagian Dana Usaha (expressed as a percentage of
yang ditempatkan dalam CEMA RWA) to fill Buffer
(diungkapkan sebagai persentase
dari ATMR) yang tersedia untuk
memenuhi Buffer
Nasional minimal (jika berbeda National minimum (if different
dari Basel 3) from Basel 3)
Rasio terendah CET 1 nasional (jika N/A National CET 1 lowest ratio (if
berbeda dengan Basel 3) different from Basel 3)
Rasio terendah Tier 1 nasional (jika N/A National Tier 1 lowest ratio (if
berbeda dengan Basel 3) different from Basel 3)
Rasio terendah total modal N/A Total national capital lowest ratio
nasional (jika berbeda dengan (if different from Basel 3)
Basel 3)
Jumlah di bawah Batasan Amount below the Deduction
Pengurangan (sebelum Limit (before Risk Weighting)
Pembobotan Risiko)
Investasi non-signifikan pada N/A Non-significant investment in the
modal atau kewajiban TLAC other TLAC capital or liabilities of
lainnya Entitas Keuangan lain another Financial Entity
Investasi signifikan pada saham N/A Significant investment in the
biasa Entitas Keuangan Financial Entity’s common stock
Mortgage servicing rights (net dari N/A Mortgage servicing rights (net of
kewajiban pajak) tax obligations)
218 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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(dalam jutaan rupiah) | (in million rupiah)
No. Ref yang
berasal dari
Jumlah
Keterangan Neraca Description
Amount
Ref No. from
Balance Sheet
Aset pajak tangguhan yang N/A Deferred tax assets from
berasal dari perbedaan temporer temporary differences (net of tax
(net dari kewajiban pajak) liabilities)
Cap yang dikenakan untuk provisi Cap imposed for provision at Tier 2
pada Tier 2
Provisi yang dapat diakui sebagai N/A Provisions that can be recognized
Tier 2 sesuai dengan eksposur as Tier 2 in accordance with the
berdasarkan pendekatan standar exposure based on the standard
(belum dikenakan cap) approach (not capped)
Cap atas provisi yang diakui N/A Cap on provisions recognized
sebagai Tier 2 berdasarkan as Tier 2 based on the standard
pendekatan standar approach
Provisi yang dapat diakui sebagai N/A Provisions that can be recognized
Tier 2 sesuai dengan eksposur as Tier 2 in accordance with
berdasarkan pendekatan IRB the exposure based on the IRB
(sebelum dikenakan cap) approach (before cap)
Cap atas provisi yang diakui N/A Cap on provisions recognized as
sebagai Tier 2 berdasarkan Tier 2 based on the IRB approach
pendekatan IRB
Instrumen Modal yang termasuk Capital Instruments included as
Phase Out (hanya berlaku antara a phase out (only valid between 1
1 Jan 2018-1 Jan 2022) Jan 2018-1 Jan 2022)
Cap pada CET 1 yang termasuk N/A Cap on CET 1 which includes
phase out phase out
Jumlah yang dikecualikan N/A Amount excluded from CET 1
dari CET 1 karena adanya cap due to cap (excess over cap after
(kelebihan di atas cap setelah redemptions and maturities)
redemtions dan maturities)
Cap pada AT 1 yang termasuk N/A Cap on AT 1 which includes phase
phase out out
Jumlah yang dikecualikan dari AT N/A Amount excluded from AT 1 due
1 karena adanya cap (kelebihan di to cap (excess over cap after
atas cap setelah redemptions dan redemptions and maturities)
maturities)
Cap pada Tier 2 yang termasuk N/A Cap on Tier 2 which includes
phase out phase out
Jumlah yang dikecualikan dari Tier N/A Amount excluded from Tier 2
2 karena adanya cap (kelebihan di due to cap (excess over cap after
atas cap setelah redemptions dan redemptions and maturities)
maturities)
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Rekonsiliasi Permodalan Capital Reconciliation
Bank Hana menyusun rekonsiliasi permodalan Hana Bank prepares its capital reconciliation for
tahun 2023 berdasarkan komponen dalam Laporan 2023 based on the components in the published
Posisi Keuangan yang dipublikasikan sebagaimana Financial Position Report as described below:
diuraikan berikut:
(dalam jutaan rupiah) | (in million rupiah)
Bank
Pos-Pos No. Ref Posts
Nominal
Ref Number
Aset Assets
Kas 172.058 Cash
Penempatan pada Bank Indonesia 3.663.978 Placements with Bank Indonesia
Penempatan pada Bank Lain 472.245 Interbank Placements
Tagihan Spot dan Derivatif 31.911 Spot and Derivative Claims
Surat Berharga yang Dimiliki 6.199.485 Securities
Surat Berharga yang Dijual dengan - Securities Sold with a Repo
Janji Dibeli Kembali (Repo) Agreement
Tagihan atas Surat Berharga yang - Receivables on Securities Purchased
Dibeli dengan Janji Dijual Kembali with a Resale Agreement (Reverse
(Reverse Repo) Repo)
Tagihan Akseptasi 1.305.493 Acceptances Receivable
Kredit yang Diberikan 34.324.051 Loans Provided
Pembiayaan Syariah 1)
- Sharia Financing1)
Penyertaan Modal Capital Investment
i. Penyertaan sebagai Faktor 106.519 h Equity Investment as a Capital
Pengurang Modal Deduction Factor
ii. Penyertaan Tidak sebagai Faktor - Equity Investment not as a Capital
Pengurang Modal Deduction Factor
Aset keuangan lainnya 200.023 Aset keuangan lainnya
Cadangan Kerugian Penurunan Nilai Allowance for Impairment Losses on
Aset Keuangan -/- Financial Assets -/-
a. Surat Berharga (10.393) Securities
b. Kredit (984.674) Loans
c. Lainnya (12.083) Others
Aset Tidak Berwujud Intangible Assets
i. Goodwill e Goodwill
ii. Aset Tidak Berwujud Lainnya 683.675 f Other Intangible Assets
Akumulasi Amortisasi Aset Tidak Accumulated Amortization of
Berwujud -/- Intangible Assets -/-
i. Goodwill - e Goodwill
ii. Aset Tidak Berwujud Lainnya (515.036) f Other Intangible Assets
Aset Tetap dan Inventaris 1.328.966 Fixed Assets and Equipment
Akumulasi Penyusutan Aset Tetap (900.223) Accumulated Depreciation of Fixed
dan Inventaris -/- Assets and Equipment - / -
Aset Non-Produktif Non-Productive Assets
Properti Terbengkalai 16.628 Abandoned Properties
a. Agunan yang Diambil Alih 467.564 Foreclosed Assets
b. Rekening Tunda 11 Suspense Account
c. Aset Antar Kantor2) - Interbranch Assets2)
220 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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(dalam jutaan rupiah) | (in million rupiah)
Bank
Pos-Pos No. Ref Posts
Nominal
Ref Number
Sewa Pembiayaan1) - Leasing1)
Aset Pajak Tangguhan 168.083 g Deferred Tax Assets
Aset Lainnya 165.585 Other Assets
Total Aset 46.883.866 Total Assets
Liabilitas dan Ekuitas Liabilities and Equity
Liabilitas Liabilities
Giro 8.083.209 Current Accounts
Tabungan 1.429.677 Savings
Deposito 16.716.207 Deposit
Uang Elektronik - E-Money
Liabilitas kepada Bank Indonesia - Liabilities to Bank Indonesia
Liabilitas kepada Bank Lain 4.747.125 Interbank Liabilities
Liabilitas Spot dan Derivatif 26.248 Spot and Derivative Payables
Liabilitas atas Surat Berharga yang - Liabilities on Securities Sold under
Dijual dengan Janji Dibeli Kembali Repurchase Agreement (Repo)
(Repo)
Liabilitas Akseptasi 1.305.493 Acceptances Liabilities
Surat Berharga yang Diterbitkan - Issued Securities
i. Surat Berharga Diterbitkan yang - i Securities Issued That Can Be
Dapat Diperhitungkan sebagai Calculated as Capital
Modal
ii. Surat Berharga Diterbitkan - Other Issued Securities
Lainnya
Pinjaman yang Diterima 2.578.595 Borrowings
Setoran Jaminan 9.968 Guarantee Deposit
Liabilitas Antar Kantor2) - Interbranch Liabilities2)
Liabilitas Pajak Tangguhan - g Deferred Tax Liabilities
Liabilitas Lainnya 923.901 Other Liabilities
Dana Investasi Profit Sharing1) - Profit Sharing Investment1)
Total Liabilitas 35.820.423 Total Liabilities
Ekuitas Equity
Modal Disetor Paid in Capital
a. Modal Dasar 4.600.000 a Capital
b. Modal yang Belum Disetor -/- (1.439.907) a Unpaid Capital -/-
c. Saham yang Dibeli Kembali - a (Treasury Stock) -/-
(Treasury Stock) -/-
Tambahan Modal Disetor 1.453.275 a Additional Paid-in Capital
a. Agio - a Agio
b. Disagio -/- - Disagio -/-
c. Modal Sumbangan - Donated Capital
d. Dana Setoran Modal - Fund for Paid-Up Capital
e. Lainnya - Others
Pendapatan (Kerugian) - Other Comprehensive Income (Loss)
Komprehensif Lain
a. Keuntungan - Gain
b. Kerugian - Loss
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 221
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
(dalam jutaan rupiah) | (in million rupiah)
Bank
Pos-Pos No. Ref Posts
Nominal
Ref Number
Selisih Kuasi Reorganisasi3) - Difference in Quasi-Reorganization3)
Selisih Restrukturisasi Entitas - Difference in Restructuring Under
Sepengendali Common Control
Ekuitas Lainnya - Other Equity
Cadangan Reserves
a. Cadangan Umum 30.120 c General Reserves
b. Cadangan Tujuan - Appropriated Reserves
Laba/Rugi Gain/Loss
a. Tahun-Tahun Lalu 5.950.542 b Previous Years
b. Tahun Berjalan 453.209 b Current Year
Total Ekuitas 11.063.443 Total Equity
Total Liabilitas dan Ekuitas 46.883.866 Total Liabilities and Equity
Rincian Instrumen Permodalan Details of Capital Instruments
Adapun instrumen permodalan yang diterbitkan The capital instruments issued by the Bank are
Bank diuraikan sebagai berikut: described as follows:
Jawaban
Pertanyaan Question
Answer
Obligasi Subordinasi IDR I Tahun Subordinated Bonds IDR I Year 2016
2016
Penerbit PT Bank KEB Hana Indonesia Publisher
Nomor identifikasi IDA000078802 Identification number
Hukum yang digunakan Hukum Indonesia Applicable laws
Indonesian Law
Perlakuan Instrumen berdasarkan Instrument treatment based on
ketentuan KPMM KPMM provision
Pada saat masa transisi N/A In transition period
Setelah masa transisi Tier 2 After transition period
Apakah instrumen eligible untuk Group dan solo Is the instrument eligible for Solo/
Solo/Group atau Group dan Solo Group and solo Group or Group and Solo?
Jenis instrumen Obligasi/Surat Berharga Type of instrument
Subordinasi
Subordinated Bonds/
Securities
Jumlah yang diakui dalam 0 The amount recognized in the KPMM
perhitungan KPMM calculation
Nilai par dari instrumen Rp244.000 juta | million Instrument nominal value
Klasifikasi akuntansi Liabilitas – amortised cost Accounting classification
Liabilities - amortized cost
Tanggal penerbitan 21 Desember 2016 Published date
December 21, 2016
Tidak ada jatuh tempo (perpetual) Dengan jatuh tempo No perpetual or with maturity date
atau dengan jatuh tempo With maturity
Tanggal jatuh tempo 21 Desember 2023 Maturity date
December 21, 2023
Eksekusi call option atas persetujuan Tidak Call option execution with approval
Otoritas Jasa Keuangan No from the Financial Service Authority
222 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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Operational Aspects Corporate Governance Sustainability Report Financial Statements
Jawaban
Pertanyaan Question
Answer
Tanggal call option, jumlah penarikan N/A Call option date, withdrawal amount,
dan persyaratan call option lainnya and other call option requirement (if
(bila ada) any)
Subsequent call option N/A Subsequent call option
Kupon/dividen Coupons/dividends
Dividen/kupon dengan bunga tetap Tetap Dividends/coupons with fixed or
atau floating Fixed floating interest rate
Tingkat dari coupon rate atau index 9,95% The rate of the coupon rate or other
lain yang menjadi acuan index that become the reference
Ada atau tidaknya dividend stopper Tidak There is a dividend stopper or not
No
Fully Discretionary; Partial, atau Wajib Fully Discretionary, Partial, or
Mandatory Mandatory Mandatory
Apakah terdapat fitur step up atau Tidak Is there any step-up feature or other
insentif lain No incentive?
Non-cumulative atau cumulative Kumulatif Non-cumulative or cumulative
Cumulative
Convertible atau non-convertible Tidak dapat Dikonversi Convertible or not convertible
Non-convertible
Jika dapat dikonversi, sebutkan N/A If convertible, specify the trigger point
trigger point-nya
Jika dapat dikonversi, apakah seluruh N/A If convertible, is it full or partial
atau sebagian
Jika dapat dikonversi, bagaimana rate N/A If convertible, what is the conversion
konversinya rate
Jika dapat dikonversi; apakah N/A If convertible, is it mandatory or
mandatory atau optional optional
Jika dapat dikonversi, sebutkan jenis N/A If convertible, specify the conversion
instrumen konversinya instrument type
Jika dapat dikonversi, sebutkan issuer N/A If convertible, specify the issuer of
of instrument it converts into instrument it converts into
Fitur write-down Ya / Yes Write-down feature
Jika terjadi write-down, sebutkan Ketika Bank berpotensi If written-down, specify the trigger
trigger-nya terganggu kelangsungan
usahanya dan mendapat
perintah dari Otoritas Jasa
Keuangan
When the Bank’s business
continuity is potentially
disrupted and gets an order
from the Financial Services
Authority
Jika terjadi write-down, apakah penuh Sebagian If written-down, is it full or partial
atau sebagian Partial
Jika terjadi write down; permanen Permanen If written-down, is it permanent or
atau temporer Permanent temporary
Jika terjadi write down temporer, N/A If temporary written-down, explain the
jelaskan mekanisme write-up write-up mechanism
Hierarki instrumen pada saat likuidasi Junior/Subordinasi Instrument hierarchy during
Junior/Subordination liquidation
Apakah terdapat fitur yang non- Tidak Is there any non-compliant feature?
compliant No
Jika ya, jelaskan fitur yang non- N/A If yes, explain the non-compliant
compliant feature
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 223
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Jawaban
Pertanyaan Question
Answer
Obligasi Subordinasi USD I Tahun Subordinated Bonds USD I Year 2016
2016
Penerbit PT Bank KEB Hana Indonesia Publisher
Nomor identifikasi IDA000078901 Identification number
Hukum yang digunakan Hukum Indonesia Applicable laws
Indonesian Law
Perlakuan Instrumen berdasarkan Instrument treatment based on
ketentuan KPMM KPMM provision
Pada saat masa transisi N/A In transition period
Setelah masa transisi Tier 2 After transition period
Apakah instrumen eligible untuk Group dan solo Is the instrument eligible for Solo/
Solo/Group atau Group dan Solo Group and solo Group or Group and Solo?
Jenis instrumen Obligasi/Surat Berharga Type of instrument
Subordinasi
Subordinated Bonds/
Securities
Jumlah yang diakui dalam Rp0 juta The amount recognized in the KPMM
perhitungan KPMM million calculation
Nilai par dari instrumen Rp712.143 juta Instrument nominal value
million
Klasifikasi akuntansi Liabilitas – amortised cost Accounting classification
Liabilities - amortized cost
Tanggal penerbitan 21 Desember 2016 Published date
December 21, 2016
Tidak ada jatuh tempo (perpetual) Dengan jatuh tempo No perpetual or with maturity date
atau dengan jatuh tempo With maturity
Tanggal jatuh tempo 21 Desember 2023 Maturity date
December 21, 2023
Eksekusi call option atas persetujuan Tidak Call option execution with approval
Otoritas Jasa Keuangan No from the Financial Service Authority
Tanggal call option, jumlah penarikan N/A Call option date, withdrawal amount,
dan persyaratan call option lainnya dan other call option requirement (if
(bila ada) any)
Subsequent call option N/A Subsequent call option
Kupon/dividen Coupons/dividends
Dividen/kupon dengan bunga tetap Tetap Dividends/coupons with fixed or
atau floating Fixed floating interest rate
Tingkat dari coupon rate atau index 6,05% The rate of the coupon rate or other
lain yang menjadi acuan index that become the reference
Ada atau tidaknya dividend stopper Tidak There is a dividend stopper or not
No
Fully Discretionary; Partial, atau Wajib Fully Discretionary; Partial, or
Mandatory Mandatory Mandatory
Apakah terdapat fitur step up atau Tidak Is there any step-up feature or other
insentif lain No incentive?
Non-cumulative atau cumulative Kumulatif Non-cumulative or cumulative
Cumulative
Convertible atau non-convertible Tidak dapat Dikonversi Convertible or not convertible
Non-convertible
Jika dapat dikonversi, sebutkan N/A If convertible, specify the trigger point
trigger point-nya
Jika dapat dikonversi, apakah seluruh N/A If convertible, is it full or partial
atau sebagian
Jika dapat dikonversi, bagaimana rate N/A If convertible, what is the conversion
konversinya rate
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Jawaban
Pertanyaan Question
Answer
Jika dapat dikonversi; apakah N/A If convertible, is it mandatory or
mandatory atau optional optional
Jika dapat dikonversi, sebutkan jenis N/A If convertible, specify the conversion
instrumen konversinya instrument type
Jika dapat dikonversi, sebutkan issuer N/A If convertible, specify the issuer of
of instrument it converts into instrument it converts into
Fitur write-down Ya Write-down feature
Yes
Jika terjadi write-down, sebutkan Ketika Bank berpotensi If written-down, specify the trigger
trigger-nya terganggu kelangsungan
usahanya dan mendapat
perintah dari Otoritas Jasa
Keuangan
When the Bank’s business
continuity is potentially
disrupted and gets an order
from the Financial Services
Authority
Jika terjadi write-down, apakah penuh Sebagian If written-down, is it full or partial
atau sebagian Partially
Jika terjadi write-down; permanen Permanen If written-down, is it permanent or
atau temporer Permanent temporary
Jika terjadi write-down temporer, N/A If temporary written-down, explain the
jelaskan mekanisme write-up write-up mechanism
Hierarki instrumen pada saat likuidasi Junior/Subordinasi Instrument hierarchy during
Junior/Subordination liquidation
Apakah terdapat fitur yang non- Tidak Is there any non-compliant feature?
compliant No
Jika ya, jelaskan fitur yang non- N/A If yes, explain the non-compliant
compliant feature
Struktur Permodalan dan Kecukupan Capital Structure and Capital Adequacy
Permodalan
Bank menerapkan kebijakan diversifikasi sumber In order to manage capital risk, the Bank
permodalan dalam rangka mengelola risiko implements a policy of diversifying its capital
permodalan. Penerapan kebijakan tersebut telah sources. The implementation of this policy has
disesuaikan dengan rencana strategis jangka been tailored to long-term strategic plans, efficient
panjang, kebijakan alokasi modal secara efisien capital allocation policies in business segments
pada segmen bisnis yang memiliki profil risk-return with an optimal risk-return profile, and meeting
yang optimal, serta pemenuhan ekspektasi para stakeholder expectations. Furthermore, capital
pemangku kepentingan. Selain itu, perhitungan adequacy calculations are performed based on
kecukupan modal dilakukan berdasarkan regulatory provisions (regulatory capital) and
ketentuan regulasi (regulatory capital) maupun internal needs (economic capital) to mitigate losses
kebutuhan internal (economic capital) untuk from loan risk, market risk, and operational risk.
mengendalikan kerugian dari risiko kredit, risiko
pasar, dan risiko operasional.
Untuk menghitung risiko kredit, Bank The Bank employs the Basel II method
menggunakan pendekatan Basel II (standardized (standardized approach) to calculate Loan risk. The
approach). Adapun risiko pasar telah dihitung Bank has calculated market risk exposure using
Bank melalui pencadangan modal terhadap capital reserves, but it is still limited to calculating
eksposur risiko pasar, namun masih terbatas pada exposure to net foreign exchange position (PDN).
perhitungan eksposur posisi devisa neto (PDN). Capital adequacy for operational risk is calculated
Perhitungan kecukupan permodalan untuk using the Basel II basic indicator approach.
risiko operasional berdasarkan pada pendekatan
indikator dasar Basel II (basic indicator approach).
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 225
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Pada akhir tahun 2023, struktur permodalan At the end of 2023, the Bank’s capital structure
Bank terdiri dari modal inti sebesar Rp10,49 triliun consisted of Rp10.49 trillion core capital and
dan modal pelengkap sebesar Rp362,79 miliar. Rp362.79 billion supplementary capital. The
Informasi mengenai kecukupan modal Bank Hana following information relates to Hana Bank’s capital
disajikan sebagai berikut: adequacy.
Pengungkapan Kuantitatif Struktur Permodalan Quantitative Disclosure of Capital Structure of
Bank Umum Commercial Bank
(dalam jutaan rupiah) | (in million rupiah)
31 Desember 2023 31 Desember 2022
Komponen Model Model Components
31 December 2023 31 December 2022
I. Komponen Inti I. Core Component
A. Modal Inti (Tier 1) 10.491.003 9.944.686 A. Core Capital (Tier 1)
1. Modal Disetor 3.160.093 3.160.093 1. Paid-in Capital
2. Cadangan 7.774.151 7.337.243 2. Additional Capital
Tambahan Modal Reserve
3. Kepentingan - - 3. Calculable Non-
Non-Pengendali Controlling Interest
yang dapat
Diperhitungkan
4. Faktor (443.241) (552.650) 4. Main Core Capital
Pengurangan Deducting Factor
Modal Inti Utama
B. Modal Pelengkap 362.785 357.776 B. Supplementary
(Tier 2) Capital (Tier 2)
1. Instrumen - - 1. Capital Instruments
Modal dalam in the form of
Bentuk Saham Shares or others
atau Lainnya Complying with
yang Memenuhi Requirements of
Persyaratan Tier 2 Tier 2
2. Agio/Disagio - - 2. Shares Agio/Disagio
3. Cadangan umum 362.785 357.776 3. General allowance
PPA atas aset for earning losses
produktif yang required to allocate
wajib dibentuk (maximum 1.25% of
(paling tinggi 1,25% Loan Risk RWA)
ATMR Risiko Kredit)
4. Faktor Pengurang - - 4. Supplementary
Modal Pelengkap Capital Deducting
Factor
II. Total Modal Inti dan 10.853.788 10.302.462 II. Total Core Capital and
Modal Pelengkap (A+B) Supplementary Capital
(A+B)
III. Aset Tertimbang 36.341.717 34.881.140 III. Risk-weighted Assets
Menurut Risiko (ATMR) (RWA) for Loan Risk
untuk Risiko Kredit
IV. Aset Tertimbang 1.854.798 3.855.250 IV. Risk-weighted Assets
Menurut Risiko (RWA) for Operational
(ATMR) untuk Risiko Risk
Operasional
V. Aset Tertimbang 86.114 53.771 V. Risk-weighted Assets
Menurut Risiko (ATMR) (RWA) for Market Risk
untuk Risiko Pasar
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(dalam jutaan rupiah) | (in million rupiah)
31 Desember 2023 31 Desember 2022
Komponen Model Model Components
31 December 2023 31 December 2022
VI. Rasio Kewajiban 28,35 26,56 VI. Minimum Capital
Penyediaan Modal Requirement Ratio (%)
Minimum (%)
VII. Kekurangan Modal - - VII. Deficit of Main Core
Inti Utama untuk Capital to Meet the
Memenuhi 4,5% Minimum of 4.5%
Minimum
VIII. Kekurangan Modal - - VIII. Deficit of Core Capital
Inti untuk Memenuhi to Meet the Minimum
6% Minimum of 6%
IX. Rasio KPMM sesuai 9,18 9,48 IX. KPMM Ratio according
Profil Risiko (%) to Risk Profile (%)
X. Alokasi Rasio KPMM 9,18 9,48 X. Allocation of Actual
Aktual untuk Capital Adequacy Ratio
Pemenuhan KPMM for KPMM Fulfillment
sesuai Profil Risiko (%) according to Risk
Profile (%)
XI. Kekurangan Modal - - XI. Deficit of Capital to
untuk Pemenuhan Meet KPMM of Risk
KPMM Profil Risiko Profile
XII. Modal Inti Utama 19,17 17,08 XII. Main Core Capital
yang Tersedia untuk Available to Meet Buffer
Pemenuhan Buffer (%)
(%)
XIII. Jumlah Buffer yang 2,50 2,50 XIII. Number of Mandatory
Wajib Dibentuk (%) Buffer (%)
XIV. Kelebihan atau 19,17 17,08 XIV. Surplus or Deficit of
Kekurangan Modal Main Core Capital to
Inti Utama untuk Meet Buffer (%)
Pemenuhan Buffer
(%)
Pemenuhan kecukupan modal minimum di Bank Hana Bank always meets the minimum capital
Hana selalu berada dalam kondisi yang baik karena adequacy requirement because its capital
rasio kecukupan modal (CAR) masih berada di atas adequacy ratio (CAR) is still higher than the KPMM
ketentuan KPMM. Per 31 Desember 2023, CAR Bank provisions. As of December 31, 2023, the Bank’s CAR
berada di posisi 28,35% dengan rasio Tier 1 terhadap is 28.35%, with a Tier 1 to RWA ratio of 27.40%. The
ATMR di level 27,40%. Rasio kecukupan modal capital adequacy ratio is expected to anticipate
tersebut diharapkan dapat mengantisipasi juga potential losses caused by risks other than the
potential loss yang disebabkan oleh risiko-risiko Bank’s 4 main risks.
lain di luar 4 risiko utama Bank.
Pengelolaan Risiko Risk Management
Pengelolaan risiko pada Bank Hana dilakukan Hana Bank manages risk in accordance with its risk
antara lain dengan penetapan dan pemantauan management strategy, which includes determining
terhadap risk appetite serta risk tolerance sesuai and monitoring risk appetite and risk tolerance. The
dengan strategi manajemen risiko. Penyusunan Board of Directors and Board of Commissioners
kebijakan manajemen risiko dan limit risiko terlebih approve risk management policies and risk limits
dahulu disetujui oleh Direksi dan Dewan Komisaris after consulting with each relevant work unit.
setelah didiskusikan dengan masing-masing unit
kerja terkait.
Dalam implementasinya, kebijakan dan sistem limit In its implementation, the policy and limit system
tersebut berpedoman pada seluruh limit per risiko are guided by all risk limits as well as limits for
dan limit per aktivitas fungsional tertentu yang specific functional activities with risk exposure.
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memiliki eksposur risiko. Pengelolaan risiko yang This targeted risk management aims to support
terarah ini bertujuan untuk mendukung strategi business strategy, business expansion, and achieve
bisnis, ekspansi bisnis, serta mencapai profil risk- a more optimal risk-reward profile by mitigating
reward yang lebih optimal melalui pengendalian operational risks.
risiko dari aktivitas operasional.
Dalam menjalankan kegiatan operasionalnya, The Bank faces a variety of risks while carrying out
Bank dihadapkan oleh berbagai kemungkinan its operational activities, including loan risk, market
risiko yang muncul seperti risiko kredit, risiko risk, and operational risk. If not managed properly,
pasar, dan risiko operasional. Risiko tersebut this risk has the potential to harm the sustainability
berpotensi memberikan dampak yang negatif of banking and financial businesses. Therefore,
bagi keberlangsungan bisnis perbankan dan the Bank must implement a variety of policies to
keuangan jika tidak dikelola dengan baik. Untuk prevent, manage, and overcome various potential
itu, Bank perlu menerapkan beberapa kebijakan risks.
dalam rangka mencegah, mengelola, serta
menanggulangi berbagai risiko yang dapat terjadi.
1. Pengelolaan Risiko Kredit 1. Loan Risk Management
Risiko kredit timbul karena kegagalan kreditur Loan risk arises from creditors’ failure to meet
dalam memenuhi kewajiban kepada Bank their obligations to the Bank, resulting in losses.
sehingga menyebabkan kerugian. Terkait risiko Regarding this risk, the Bank manages loan risk
ini, Bank melakukan pengelolaan risiko kredit appropriately by identifying, measuring, and
yang tepat dengan melakukan identifikasi, anticipating potential debtor (counterparty)
pengukuran, serta antisipasi terhadap potensi failure to complete obligations so that losses do
kegagalan debitur (counterparty) dalam not affect productive assets or financial position.
menyelesaikan kewajiban agar kerugian tidak
mempengaruhi aktiva produktif dan posisi
keuangan.
Pelaksanaan manajemen risiko kredit pada The implementation of loan risk management
Bank mengandung prinsip: at the Bank contains the following principles:
a. Mendukung standar pemberian kredit yang a. Support healthy lending standards;
sehat; b. Encourage the implementation of loan risk
b. Mendorong dilaksanakannya pemantauan monitoring and control;
dan pengendalian risiko kredit; c. Identifying and handling problem loans; and
c. Mengidentifikasi dan menangani kredit d. Protection against the risk of loss.
bermasalah; serta
d. Proteksi terhadap risiko kerugian.
Bank telah menjalankan pengelola risiko The Bank has implemented loan risk
kredit melalui Satuan Kerja Bisnis, Satuan Kerja management through the Business Work Units,
Credit Review, Satuan Kerja Corporate Legal, which include the Loan Review Work Unit,
Satuan Kerja Loan Administration, Satuan Kerja Corporate Legal Work Unit, Loan Administration
Compliance, Satuan Kerja Manajemen Risiko, Work Unit, Compliance Work Unit, Risk
Loan Review, serta unit kerja lainnya yang Management Work Unit, Loan Review, and other
dapat mendukung pelaksanaan penerapan work units that can assist in the implementation
manajemen risiko kredit yang baik. of good loan risk management.
Kebijakan Kredit Loan Policy
Pemberian kredit dikelola Bank Hana melalui Hana Bank provides loan through its Loan Policy,
Kebijakan Perkreditan Bank Hana yang which outlines the process. This policy has
memuat proses perkreditan. Kebijakan ini telah been tailored to each Bank work unit, as have
disusun untuk masing-masing satuan kerja the product manuals in a more complete and
Bank dan manual produk dalam bentuk yang specific form. The loan management process
lebih lengkap dan spesifik. Adapun proses begins with identifying the target market for
pengelolaan kredit dimulai dengan menetapkan the loan pipeline, conducting risk assessments,
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target pasar terhadap loan pipeline, melakukan monitoring loan disbursement, and handling
risk assessment, dan pemantauan pemberian non-performing loans.
kredit hingga penanganan kredit bermasalah.
Faktor lain yang menjadi pokok perhatian Bank, Another major focus of the Bank is the
yaitu pemberian kredit yang memperhatikan provision of loan that takes into account the
penerapan manajemen risiko secara khusus application of risk management, particularly
terhadap lingkungan hidup dan aspek sosial. in the environmental and social sectors.
Hal ini menjadi faktor pendukung utama dalam This is a significant factor in implementing
penerapan keuangan berkelanjutan, dan akan sustainable finance, and it will add value to all
memberikan nilai tambah baik kepada seluruh Bank shareholders and stakeholders, as well as
pemegang saham dan pemangku kepentingan the continuation of social and environmental
Bank serta bagi kelangsungan aspek sosial dan aspects in Indonesia.
lingkungan hidup di Indonesia.
Satuan Kerja Bisnis dan Satuan Kerja Credit The Business Work Unit and the Loan Review
Review akan menganalisis seluruh aktivitas Work Unit will conduct independent analyses of
pengelolaan kredit secara independen. Kedua all loan management activities. These two work
satuan kerja tersebut juga merangkap sebagai units also serve as Loan Risk Functions within
Credit Risk Function di Bank. Mengenai fungsi the Bank. The Bank uses the four eyes principle
persetujuan kredit, Bank merujuk pada four in its loan approval function. Furthermore,
eyes principle. Selain itu, fungsi administrasi the Loan Administration Work Unit, which is
kredit Bank menjadi tanggung jawab Satuan independent of the Business Work Unit and
Kerja Credit Administration yang bersifat the Loan Review Work Unit, is in charge of the
independen terhadap Satuan Kerja Business Bank’s loan administration functions.
dan Satuan Kerja Credit Review.
Tagihan yang Jatuh Tempo dan Tagihan yang Due Receivables and Impaired Receivables
Mengalami Penurunan Nilai/Impairment
Pengukuran tagihan yang jatuh tempo dan Due receivables and impaired receivables are
tagihan yang mengalami penurunan nilai measured individually and collectively by the
dilakukan Bank secara individual dan kolektif. Bank. In 2023, due receivables were recorded at
Pada tahun 2023, tagihan yang telah jatuh Rp534.12 billion and impaired receivables were
tempo tercatat sebesar Rp534,12 miliar dan recorded at Rp634.96 billion.
tagihan yang mengalami penurunan nilai
sebesar Rp634,96 miliar.
Pendekatan dalam Pembentukan CKPN, Approach and Statistics Methods used
serta Metode Statistik yang Digunakan toEstablishing CKPN
Cadangan kerugian penurunan nilai (CKPN) Allowance for impairment losses (CKPN) is
dihitung Bank dengan menggunakan calculated by the Bank using Statement of
Pernyataan Standar Akuntansi Keuangan Financial Accounting Standards (PSAK) 71
(PSAK) 71 secara individual untuk aset keuangan individually for significant financial assets
yang signifikan dan secara kolektif untuk and collectively for financial assets that
aset keuangan yang secara individual tidak are individually insignificant or individually
signifikan maupun secara individual signifikan, significant but for which there is no objective
namun tidak terdapat bukti objektif. Selain itu, evidence. In addition, the Bank calculates
Bank menghitung probability of default (PD), the probability of default (PD), recoverability
recorverability amount, loss given default, dan amount, loss given default, and exposure at
exposure at default (EAD). default (EAD).
Pengungkapan Risiko Kredit terkait Loan Risk Disclosure Related to the Use of
Penggunaan Peringkat Ratings
Bank berpedoman pada ketentuan Otoritas The Bank is guided by the Financial Services
Jasa Keuangan mengenai Aset Tertimbang Authority’s provisions on risk-weighted assets
Menurut Risiko (ATMR) untuk pengungkapan (RWA) for disclosing loan risks associated with
risiko kredit terkait penggunaan peringkat the use of ratings using a standard approach.
dengan menggunakan pendekatan standar.
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Pengungkapan Risiko Kredit Pihak Lawan Disclosure of Counterparty Loan Risk
Counterparty credit risk (CCR) merupakan Counterparty loan risk (CCR) is a risk that arises
risiko yang timbul akibat terjadinya kegagalan as a result of a counterparty’s failure to fulfill its
pihak lawan dalam memenuhi kewajibannya obligations, and it occurs in transactions with
dan timbul dari jenis transaksi yang memiliki specific characteristics, such as transactions
karakteristik tertentu, misalnya transaksi yang influenced by movements in fair value or market
dipengaruhi oleh pergerakan nilai wajar atau value. CCR is one of several types of loan risk that
nilai pasar. CCR ini merupakan salah satu dari the Bank faces, including loan risk due to debtor
beberapa jenis risiko kredit yang dihadapi Bank, failure, loan concentration risk, and settlement
selain risiko kredit akibat kegagalan debitur, risk. CCR is also defined as a type of loan risk that
risiko konsentrasi kredit, dan settlement risk. includes compliance with framework standards
CCR juga didefinisikan sebagai bentuk risiko for stress testing approaches, “residual risk”
kredit yang mencakup pemenuhan standar from loan risk mitigation techniques, and loan
kerangka mengenai pendekatan untuk concentration.
melakukan stress testing, “risiko residual” yang
terkait dengan teknik mitigasi risiko kredit, dan
konsentrasi kredit.
Terkait dengan limit terhadap counterparty, The Bank has prepared policies and related
Bank telah menyusun kebijakan dan limit- limits for counterparties. The limit for a single
limit terkait. Limit untuk satu debitur atau debtor or counterparty can be determined using
counterparty dapat didasarkan atas hasil analisis both quantitative data analysis from Financial
data kuantitatif yang diperoleh dari informasi Statement information and qualitative data
Laporan Keuangan, maupun hasil analisis analysis from debtor interviews. The following
informasi kualitatif yang dapat bersumber dari describes how limits are managed for each
hasil interview dengan debitur. Pengelolaan customer:
limit untuk masing-masing nasabah dilakukan,
sebagai berikut: a. The limit for each debtor is determined by
a. Limit untuk masing-masing debitur the Loan Review Work Unit and approved by
dilakukan oleh Satuan Kerja Credit Review the Credit Committee;
dan disetujui oleh Komite Kredit;
b. Limit untuk masing-masing bank b. The limits for each counterparty bank are
counterparty dilakukan oleh Satuan determined by the Financial Institution Unit
Financial Institution dan disetujui oleh and approved by the Board of Directors;
Direksi;
c. Limit untuk masing-masing Non-Bank c. The limit for each Non-Bank Counterparty
Counterparty dilakukan oleh Satuan Non- is determined by the Non-Bank Financial
Bank Financial Institution dan disetujui oleh Institution Unit and approved by the Board
Direksi; serta of Directors; and
d. Limit untuk debitur dan bank counterparty, d. The limits for debtors and counterparty
dan limit untuk grup debitur tidak boleh banks and limits for groups of debtors must
melebihi ketentuan Otoritas Jasa Keuangan not exceed the provisions of the Financial
terkait dengan batas maksimum pemberian Services Authority regarding the Legal
kredit (BMPK) dan ketentuan lain yang Lending Limit (LLL) and other provisions that
wajib diikuti oleh Bank. Definisi dan kriteria must be followed by banks. Definitions and
yang terkait dengan pengklasifikasian criteria related to the classification of debtor
grup debitur akan selalu mengacu pada groups will always refer to the provisions of
ketentuan Otoritas Jasa Keuangan terkait the Financial Services Authority regarding
dengan BMPK. LLL.
Persetujuan Kredit Loan Approval
Persetujuan kredit pada Bank dimulai Loan approval at the Bank begins with the
dengan identifikasi dan pengukuran dengan identification and measurement of business
menggunakan penilaian analisis bisnis yang analysis assessments prepared by the Loan
disusun oleh Satuan Kerja Kredit Review secara Review Work Unit in an integrated and end-
terintegrasi dan end-to-end. Proses analisis ini to-end manner. This analysis process employs
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menggunakan spreadsheet dan credit analysis spreadsheets and loan analysis to grant
untuk kemudian diberikan persetujuan dan approval and impose limits on the small and
menerapkan limit bagi segmen small medium medium-sized enterprises (SMEs), commercial,
enterprises (SMEs), commercial, dan corporate and corporate banking segments.
banking.
Bagi pihak yang diberikan kredit oleh Bank, Parties who receive loan from the Bank
wajib menyertakan agunan yang memiliki must provide collateral that has economic,
nilai ekonomis, marketable, transferable, serta marketable, transferable, and legal value.
bernilai yuridis. Agunan tersebut dapat berupa Collateral can take the form of movable objects,
benda bergerak, benda tidak bergerak, dan immovable objects, or non-financeable objects,
objek yang tidak dapat dibiayai, seperti personal such as personal or corporate guarantees.
guarantee ataupun corporate guarantee.
Penilaian dan Pengelolaan Agunan Collateral Appraisal and Management
Bank telah memiliki kebijakan serta prosedur The Bank has comprehensive and integrated
penilaian dan pengelolaan agunan yang policies and procedures for assessing and
komprehensif dan terintegrasi dalam proses managing collateral in work processes involving
kerja yang melibatkan unit kerja appraisal yang appraisal work units that are independent of
terpisah dari unit bisnis. Agunan pada Bank business units. Collateral with the Bank is not
bukan merupakan sumber pelunasan kredit the primary source of loan repayment, but it
yang utama, namun berfungsi sebagai alat serves as a risk mitigation tool in the provision
mitigasi risiko dalam pemberian fasilitas kredit. of loan facilities. Collateral will be evaluated as
Agunan pun akan dilakukan penilaian sebagai one of the considerations in the loan approval
salah satu bahan pertimbangan dalam proses process.
persetujuan kredit.
Pemantauan Kredit Loan Monitoring
Bank melakukan pemantauan kredit, antara The bank monitors loan, including through the
lain melalui proses Call Report yang di Call Report process, which provides information
dalamnya terdapat informasi kondisi usaha, on business conditions, developments, and
perkembangan usaha ataupun permasalahan debtor problems on a regular basis. One of
yang dihadapi oleh debitur secara periodik. the Call Report’s results is the categorization
Salah satu hasil dari Call Report adalah of debtors based on their risk level, with the
pengkategorian debitur sesuai dengan tingkat intensity of monitoring varying according to
risikonya dimana intensitas pemantauannya the risk level. To ensure accurate and adequate
dilakukan sesuai dengan tingkat risiko. Untuk report quality, the Bank conducts regular
menghasilkan kualitas laporan yang akurat reviews of Call Report parameters, which are
dan memadai, Bank melakukan kaji ulang updated to reflect current conditions.
secara berkala atas parameter Call Report yang
disesuaikan dengan kondisi terkini.
Bank juga melakukan analisis portofolio The Bank also conducted a portfolio analysis
dari beberapa faktor secara khusus untuk of several factors specifically for the SMEs
segmen SMEs dengan menggunakan business segment, with a business ceiling of less than Rp
plafond di bawah Rp1 miliar. Faktor yang 1 billion. The quality and quantity of the portfolio
menjadi pertimbangan adalah kualitas dan are considered from a variety of perspectives,
kuantitas portofolio dari berbagai perspektif, including industry, region, product, loan type,
seperti industri, wilayah, produk, jenis kredit, segmentation, and so on. The monitoring
segmentasi, dan sebagainya. Hasil pemantauan results for the SMEs segment will be included
terhadap segmen SMEs akan dicantumkan in a structured report as material for periodic
dalam Laporan terstruktur sebagai bahan evaluation by the Risk Management Committee.
evaluasi Komite Manajemen Risiko secara
periodik.
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Credit Collection dan Recovery Loan Collection and Recovery
Satuan Kerja Special Asset Management The Special Asset Management Work Unit is
memegang tanggung jawab sepenuhnya dalam solely responsible for the Bank’s loan collection
credit collection dan recovery Bank. Satuan Kerja and recovery. The Special Asset Management
Special Asset Management bertugas untuk Work Unit is in charge of managing debtors who
mengelola debitur-debitur yang tidak dapat cannot fulfill their obligations and conducting
memenuhi kewajibannya serta melakukan debtor collateral auctions. This is to ensure the
pelelangan jaminan milik debitur. Hal tersebut Bank’s stability and health.
adalah untuk mempertahankan kestabilan dan
kesehatan Bank.
Portofolio Manajemen dan Risiko Konsentrasi Portfolio Management and Concentration Risk
Manajemen pemberian kredit dilakukan melalui Loan provision is managed by determining loan
penentuan batasan kredit, baik perorangan, limits for individuals, groups, and other economic
kelompok, atau pelaku ekonomi lainnya. actors. This policy is used to manage and control
Kebijakan tersebut dilakukan dalam rangka loan concentration. In addition to managing
mengelola dan mengendalikan konsentrasi and controlling loan concentration, the Bank
kredit. Dalam pengelolaan dan pengendalian establishes internal limits for the economic
konsentrasi kredit tersebut, juga dilakukan sector. The highest level of loan concentration
penetapan limit untuk sektor ekonomi secara risk faced by the Bank is 37.26% at the end of
internal Bank. Tingkat risiko konsentrasi kredit December 2023.
tertinggi yang dihadapi oleh Bank sebesar
37,26% pada akhir Desember 2023.
Rencana Bisnis Bank memuat penetapan target The Bank’s Business Plan includes the
pasar dengan tujuan mengidentifikasi segmen determination of market targets with the goal of
bisnis yang dijalankan, sehingga Bank akan identifying the business segments being carried
lebih fokus mengupayakan strategi pemasaran out, allowing the Bank to focus more on pursuing
yang sesuai dan memudahkan Bank untuk appropriate marketing strategies and make it
menentukan pencegahan risiko yang diperlukan. easier for the Bankto determine the necessary
Bank senantiasa mengkaji dan menelaah target risk prevention measures. The Bank always
pemberian kredit dan target pasar berdasarkan reviews and evaluates loan provision and market
perkembangan ekonomi dan akan dilakukan targets in light of economic developments, and
penyesuaian ulang jika diperlukan. will adjust as necessary.
Kebijakan terkait Wrong-Way Risk (WWR) Policy related to Wrong-Way Risk (WWR)
Bank tidak memiliki kebijakan terkait wrong- The Bank does not have a policy regarding
way risk (WWR). wrongway risk (WWR).
Pertumbuhan dan Kualitas Kredit Loan Growth and Quality
Pertumbuhan dan kualitas kredit Bank Hana Hana Bank’s loan growth and quality during
selama tahun 2023 sebesar Rp34,32 triliun 2023 was amounted to Rp34.32 trillion with a
dengan rasio kredit bermasalah sebesar 0,86%. non-performing loan ratio of 0.86%.
Eksposur Risiko Kredit Loan Risk Exposure
Informasi terkait eksposur risiko kredit Bank Information on the loan risk exposure of the
dapat dilihat pada lampiran dalam Laporan Bank is shown in the attachment to this Annual
Tahunan ini. Report.
Eksposur Risiko Kredit untuk Transaksi Loan Risk Exposure for Derivative Transactions
Derivatif dan Repo and Repo
Tingkat eksposur derivatif Bank dinilai masih The Bank’ derivative exposure level is still
cukup rendah. Meskipun demikian, Bank considered quite low. Nevertheless, the Bank
senantiasa melakukan kontrol atau pemantauan continues to consistently and comprehensively
terhadap eksposur derivatif secara konsisten control or monitor its derivative exposure.
dan menyeluruh.
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Tagihan Bersih Derivatif Kredit (CCR6) Net Receivables of Loan Derivative (CCR6)
Bank tidak memiliki tagihan bersih derivatif The Bank does not have net receivables of loan
kredit (CCR6). derivative (CCR6).
Pengungkapan Kualitatif Eksposur Sekuritas Qualitative Disclosure of Securities Exposures
Bank tidak memiliki transaksi terkait sekuritas. The Bank does not have any transactions related
to securities.
Eksposur Sekuritisasi pada Banking Book Securitization Exposure in Banking Book
(SEC1) (SEC1)
Bank tidak memiliki eksposur sekuritisasi pada The Bank does not have securitization exposure
banking book. in the banking book.
Eksposur Sekuritisasi pada Trading Book Securitization Exposure in Trading Book
(SEC2) (SEC2)
Bank tidak memiliki eksposur sekuritisasi pada The Bank does not have securitization exposure
trading book. in the trading book.
Eksposur Sekuritisasi pada Banking Book Securitization Exposure in the Banking Book
dan terkait Persyaratan Modalnya Bank yang and related to Capital Requirements of Banks
Bertindak sebagai Originator atau Sponsor Acting as Originators or Sponsors (SEC3)
(SEC3)
Bank tidak memiliki eksposur sekuritisasi pada The Bank does not have securitization exposure
banking book dan terkait persyaratan modalnya in the banking book and related to capital
Bank yang bertindak sebagai originator atau requirements of Banks acting as originators or
sponsor. sponsors.
Eksposur Sekuritisasi pada Banking Book dan Securitization Exposure in the Banking Book
Persyaratan Modalnya Bank yang Bertindak and Capital Requirements of Banks Acting as
sebagai Investor (SEC4) Investors (SEC4)
Bank tidak memiliki eksposur sekuritisasi pada The Bank does not have securitization exposure
banking book dan persyaratan modalnya Bank in the banking book and its capital requirements
yang bertindak sebagai investor. of Banks acting as investors.
2. Pengelolaan Risiko Pasar 2. Market Risk Management.
Risiko Pasar – Trading Book Market Risk - Trading Book
Penyebab terjadinya risiko pasar adalah adanya Market risk is caused by changes in interest
perubahan suku bunga dan nilai tukar yang and exchange rates, which affect the Bank’s
berdampak pada eksposur Bank. Pada saat ini, exposure. At this time, the Bank is more affected
Bank lebih banyak terdampak dari risiko suku by interest rate risk on the Bank’s books, whereas
bunga pada buku Bank, sedangkan risiko nilai exchange rate risk is deemed insignificant due
tukar dinilai tidak signifikan dikarenakan PDN to the Bank’s extremely low PDN.
Bank yang sangat rendah.
Risiko Pasar – Banking Book Market Risk - Banking Book
Penyebab terjadinya banking book adalah The banking book is the result of changes
akibat dari perubahan suku bunga dan nilai in interest rates and the Rupiah exchange
tukar Rupiah pada aktivitas banking book. rate during banking book activities. Efforts to
Upaya yang dilakukan dalam memitigasi risiko mitigate this risk include optimizing the Bank’s
ini adalah dengan mengoptimalkan struktur balance sheet structure in order to achieve
neraca Bank agar memperoleh imbal hasil yang optimal returns. In addition, the Bank establishes
optimal. Selain itu, Bank menetapkan limit-limit limits based on regulatory and internal bank
yang berlandaskan pada kebijakan regulator policies. This procedure is supervised by the
dan internal Bank. Prosedur ini diawasi oleh Risk Management Work Unit and assisted by
Satuan Kerja Manajemen Risiko dan dibantu the Financial Planning Work Unit.
oleh Satuan Kerja Financial Planning.
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Risiko bunga terkait banking book yang The Bank also anticipates interest risks related to
ditimbulkan dari pergerakan suku bunga pasar the banking book as a result of market interest
yang berlawanan dengan posisi atau transaksi rate movements that are contrary to positions or
juga diantisipasi oleh Bank. Risiko tersebut transactions. This risk has the potential to have
berpotensi dapat memengaruhi profitabilitas an impact on the Bank’s profitability (earnings
Bank (earning perspective) dan nilai ekonomis perspective) as well as the economic value of its
modal Bank (economic value perspective). capital (economic value perspective). The basis
Dasar munculnya risiko suku bunga banking for the emergence of banking book interest rate
book, yaitu: risk is as follows:
a. Repricing risk (repricing mismatch antara a. Repricing risk (repricing mismatch between
komponen aset dan kewajiban); asset and liability components);
b. Basis risk (penggunaan suku bunga acuan b. Basis risk (use of different reference interest
yang berbeda); rates);
c. Yield curve risk (perubahan bentuk dan c. Yield curve risk (changes in the shape and
slope yield curve); serta slope of the yield curve); and
d. Option risk (pelunasan kredit atau pencairan d. Option risk (loan repayment or deposit
deposito sebelum jatuh waktu). disbursement before maturity).
Terkait dengan risiko tersebut, Bank melakukan In order to mitigate this risk, the Bank employs 2
pencegahan melalui 2 metode, yaitu repricing methods, namely repricing gaps and sensitivity
gap dan sensitivity analysis. Pengelolaan analysis. Proper management of this method
metode tersebut secara tepat akan menjaga will preserve net interest income (NII) and
net interest income (NII) dan economic value of economic value of equity (EVE).
equity (EVE).
Risiko pasar banking book lainnya adalah risiko Another banking book market risk is that
nilai tukar yang berpotensi berlawanan arah exchange rates may move in the opposite
pada saat Bank memiliki posisi terbuka. Upaya direction while the Bank holds an open position.
mitigasi yang dilakukan Bank adalah berfokus The Bank’s mitigation efforts are centered
pada pengelolaan posisi devisa neto (PDN) on managing daily net foreign exchange
harian yang disesuaikan dengan peraturan (PDN) positions in accordance with regulatory
regulator dan limit internal. requirements and internal limits.
Manajemen Pricing Pricing Management
Manajemen pricing difokuskan pada Pricing management focuses on the
produk pendanaan dan produk kredit Bank. Bank’s funding and loant products. Pricing
Diterapkannya manajemen pricing bermanfaat management implementation helps the Bank
bagi Bank dalam menjaga dan memperkuat net maintain and strengthen its net interest margin
interest margin (NIM) serta mendukung untuk (NIM), as well as control its revenue market
menguasai revenue market share. Manajemen share. The Bank’s pricing management has
pricing Bank telah dilengkapi dengan strategi- been equipped with strategies for funding
strategi mengenai pricing pendanaan, serta pricing, which are being implemented on an
diterapkan secara berkelanjutan. Bank akan ongoing basis. To achieve these goals, the Bank
melakukan strategi agresif (lebih besar dari will implement aggressive (larger than main
pesaing utama) atau defensif (sama atau lebih competitors) or defensive (equal or smaller than
kecil dari pesaing utama) untuk mencapai main competitors) strategies while keeping
tujuan tersebut dengan memperhitungkan funding and liquidity needs in mind.
kebutuhan dana dan likuiditas.
Bank senantiasa menyempurnakan risk based The Bank is working to improve risk-based
pricing. Risk based pricing ini mengatur pricing. This risk-based pricing governs
pemberian suku bunga kredit kepada nasabah the provision of varying loan interest rates
secara bervariasi, berdasarkan tingkat risiko to customers based on their level of loan
kredit. Dalam penerapannya, akan timbul risiko risk. Interest rate risks will arise during its
suku bunga yang harus dikendalikan. Oleh implementation, and they must be controlled.
sebab itu, Bank melakukan penyesuaian suku Therefore, the Bank adjusts loan interest rates to
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bunga kredit dengan suku bunga sumber dana the interest rates of financing funding sources.
pembiayaan. Penentuan suku bunga kredit Loan interest rates are determined on either a
dilakukan secara mengambang (floating rate) floating or fixed basis (fixed rate). In addition,
atau secara tetap (fixed rate). Tak hanya itu, when determining loan interest rates, the
Bank memperhatikan giro wajib minimum Bank considers the minimum statutory reserve
(GWM) dan margin keuntungan Bank untuk (GWM) and the Bank’s profit margin.
menentukan suku bunga kredit.
Bank Hana juga telah menerbitkan Suku Hana Bank publishes the prime lending rate
Bunga Dasar Kredit (SBDK) mata uang Rupiah (SBDK) in Rupiah currency through quarterly
melalui pengumuman di setiap kantor cabang announcementat at each Bank branch office,
Bank, situs web Bank, dan melalui surat kabar on the Bank’s website, and in newspapers. This
setiap triwulan. Tindakan tersebut dilakukan action was taken to comply with the policy of
sebagai bentuk pemenuhan kebijakan Surat Bank Indonesia Circular Letter No. 13/5/DPNP
Edaran Bank Indonesia No. 13/5/DPNP tanggal dated February 8, 2011.
8 Februari 2011.
Pengungkapan Informasi mengenai Interest Disclosure of Information on Interest Rate
Rate Risk in Banking Book (IRRBB) Risk in Banking Books (IRRBB)
Bank menghitung IRRBB menggunakan The Bank calculate IRRBB using a variety of
beberapa asumsi seperti untuk non-maturity assumptions, including non-maturity deposits
deposit (NMD) yang terdiri dari giro dan (NMD) made up of current accounts and
tabungan, penempatan cash flow berdasarkan savings, as well as cash flow placement based on
core dan non-core deposit. Perhitungan core core and non-core deposits. Core and non-core
dan non-core deposit menggunakan metode deposits are calculated using the time series
time series approach (TSA) dengan 36 data approach (TSA) method with 36 backward data
ke belakang (data historis 3 tahun). Masing- points (3 years of historical data). Each type of
masing jenis retail transaksional, retail non- transactional retail, non-transactional retail, and
transaksional, dan wholesale memiliki caps wholesale has a cap for core deposits, which are
untuk core deposit yang akan ditempatkan di placed in the time bucket overnight, while non-
time bucket over night, sedangkan non-core core deposits are placed in accordance with the
deposit ditempatkan sesuai dengan penjelasan description in the table below:
tabel berikut:
Caps terhadap Jangka Waktu
Caps terhadap Proporsi Core
Rata-Rata dari Core Deposit
Uraian Deposit
Caps to the Average Term of Core
Description Caps to Core Deposit Proportion
Deposit
(dalam % / in %)
(dalam tahun / in years)
Retail/Transaksional 90 5
Retail/ Transactional
Retail/Non-Transaksional 70 4,5
Retail/Non-Transactional
Wholesale 50 4
Sementara itu, untuk asumsi prepayment atau Meanwhile, prepayment assumptions or
pelunasan/penarikan dipercepat berlaku untuk accelerated repayment/withdrawals are applicable
deposito dan kredit kepada nasabah dengan suku to deposits and loans to customers with fixed or
bunga fixed rate ataupun floating rate. Data historis floating interest rates. The historical data used to
yang digunakan untuk mengetahui nilai skalar determine the scalar value, or how many customers
atau berapa banyak nasabah yang melakukan have made loan repayments or accelerated
pelunasan kredit ataupun penarikan dipercepat withdrawals, spans the last three years.
adalah selama 3 tahun terakhir.
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Bank melakukan pengukuran, pemantauan, dan The Bank conducts IRRBB measurements,
evaluasi IRRBB setiap bulanan untuk internal monitoring, and evaluations on a monthly basis
Bank, sedangkan untuk tujuan pelaporan kepada for the Bank’s internal purposes, while reporting to
regulator dilakukan setiap triwulan bersamaan regulators is carried out on a quarterly basis along
dengan laporan risk profile dan dilakukan setiap with the risk profile report and the health level
satu semester bersamaan dengan laporan tingkat report on a semesterly basis.
kesehatan
Pengungkapan Eksposur Interest Rate Risk in Disclosure of Exposures of Interest Rate Risk in
Banking Book (IRRBB) - Bank secara Individu (Mata Banking Book (IRRBB) - Individual Bank (Currency:
Uang: Rupiah) Rupiah)
(dalam jutaan rupiah) | (in million rupiah)
ΔEVE ΔNII
Periode Desember Desember Desember Desember Period
December December December December
2023 2022 2023 2022
Parallel Up 312.017 517.834 57.937 16.558 Parallel Up
Parallel Down (499.839) (794.725) (57.937) (16.558) Parallel Down
Steepener (112.338) (33.769) Steepener
Flattener 142.811 101.906 Flattener
Short Rate Up 279.313 353,690 Short Rate Up
Short Rate Down (295.768) (370.894) Short Rate Down
Nilai Maksimum 499.839 794.725 57.937 16.558 Negative
Negatif (Absolut) Maximum Value
(Absolute)
Modal Tier 1 10.472.762 10.038.862 390.456 327.813 Tier 1 Capital
(untuk ∆EVE) atau (for ΔEVE) or
Projected Income Projected Income
(untuk ∆NII) (for ΔNII)
Nilai Maksimum 4,77% 7,92% 14,84% 5,05% Maximum Value
dibagi Modal Tier 1 Divided by Tier 1
(untuk ∆EVE) atau Capital (for ΔEVE)
Projected Income or Projected
(untuk ∆NII) Income (for ΔNII)
Keterangan Laporan Perhitungan IRRBB
Information on IRRBB Calculation Report
Delta EVE
499.839
Delta NII
57.937
Pengungkapan Eksposur Interest Rate Risk in Disclosure of Exposures of Interest Rate Risk in
Banking Book (IRRBB) - Bank Secara Individu Banking Book (IRRBB) - Individual Bank (Currency:
(Mata Uang: USD) USD)
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(dalam USD) | (in USD)
ΔEVE ΔNII
Periode Desember Desember Desember Desember Period
December December December December
2023 2022 2023 2022
Parallel Up (129.372) (142.689) 83.026 58.808 Parallel Up
Parallel Down 139.111 153.115 (83.026) (58.808) Parallel Down
Steepener 7.493 (1.026) Steepener
Flattener (36.383) (31.210) Flattener
Short Rate Up (86.182) (87.485) Short Rate Up
Short Rate Down 91.185 91.598 Short Rate Down
Nilai Maksimum 129.372 142.689 83.026 58.808 Negative
Negatif (Absolut) Maximum Value
(Absolute)
Modal Tier 1 10.472.762 10.038.862 390.456 327.813 Tier 1 Capital
(untuk ∆EVE) atau (for ΔEVE) or
Projected Income Projected Income
(untuk ∆NII) (for ΔNII)
Nilai Maksimum 1,24% 1,42 % 21,26% 17,94% Maximum Value
dibagi Modal Tier 1 Divided by Tier 1
(untuk ∆EVE) atau Capital (for ΔEVE)
Projected Income or Projected
(untuk ∆NII) Income (for ΔNII)
Keterangan Laporan Perhitungan IRRBB
Information on IRRBB Calculation Report
Delta EVE
129.372
Delta NII
83.026
Analisa Kualitatif
Qualitative Analysis
1. Penjelasan mengenai bagaimana Bank mendefinisikan IRRBB untuk pengukuran dan pengendalian
risiko
Explanation of how the Bank defines IRRBB for risk measurement and control
IRRBB adalah risiko suku bunga (Pilar 2 Basel II) atas eksposur banking book dan off balance sheet yang
sensitive terhadap perubahan suku bunga. Risiko IRRBB terdiri dari Gap Risk, Yield Curve Risk, Basis Risk, dan
Optionality Risk. Pengukuran IRRBB menggunakan pendekatan berdasarkan delta EVE dan delta NII. Untuk
pengendalian risiko IRRBB dalam mata uang Rupiah dan USD, ditetapkan sebesar 15% dari modal inti Bank.
IRRBB is interest rate risk (Pillar 2 of Basel II) on banking book and off balance sheet exposures, which are
sensitive to changes in interest rates. IRRBB risks consist of Gap Risk, Yield Curve Risk, Basis Risk, and Optionality
Risk. IRRBB is measured by using an approach based on EVE delta and NII delta. IRRBB risk control in Rupiah
and USD is set at 15% of the Bank's core capital.
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Analisa Kualitatif
Qualitative Analysis
2. Penjelasan mengenai strategi manajemen risiko dan mitigasi risiko untuk IRRBB
Explanation of risk management and risk mitigation strategies for IRRBB
Eksposur terkait IRRBB senantiasa dibahas secara berkala, selain itu perangkat IRRBB juga dapat digunakan
untuk melakukan simulasi perubahan suku bunga untuk mengetahui dampaknya terhadap pendapatan
bunga. Untuk melakukan mitigasi IRRBB, Bank senantiasa memantau limit risiko internal IRRBB. Apabila
eksposur IRRBB akan mendekati limit internal, Bank akan melakukan mitigasi dengan cara natural hedging,
yaitu memperkecil gap antara Rate Sensitivity Asset (RSA) dan Rate Sensitivity Liabilities (RSL). Selain itu, Bank
juga melakukan stress testing IRRBB untuk mengetahui dampak terburuk yang mungkin terjadi apabila suku
bunga berubah secara tidak normal.
Exposures related to IRRBB are discussed periodically. IRRBB tools are also used for simulation of changes in
interest rates to determine the impact on interest income. To mitigate IRRBB, the Bank constantly monitors
IRRBB internal risk limit. If IRRBB exposure is close to the internal limit, the Bank will mitigate by natural
hedging, which is reducing the gap between Rate Sensitivity Assets (RSA) and Rate Sensitivity Liabilities (RSL).
Moreover, the Bank also conducts IRRBB stress testing to find out the worst impact that might occur if interest
rates change abnormally.
3. Periodisasi perhitungan IRRBB Bank dan penjelasan mengenai pengukuran spesifik yang digunakan
bank untuk mengukur sensitivitas terhadap IRRB
Periodization of the Bank’s IRRBB calculation and explanation of specific measurements used by the
Bank for measuring sensitivity analysis of IRRBB
Bank menggunakan Sistem Informasi Manajemen (SIM) untuk menghitung eksposur IRRBB yang dipantau
secara bulanan. Untuk keperluan pelaporan, perhitungan IRRBB dilakukan setiap triwulanan. Untuk mengukur
sensitivitas IRRBB, hasil perhitungan selain dihubungkan dengan modal inti Bank dan proyeksi pendapatan,
juga dihubungkan dengan perhitungan KPMM untuk mengetahui dampak IRRBB terhadap pemenuhan
kebutuhan modal (Pilar I dan Pilar II).
The Bank uses a Management Information System (MIS) to calculate IRRBB exposure, which is monitored
on a monthly basis. For reporting purpose, IRRBB is calculated quarterly. To measure IRRBB sensitivity, the
calculation results are not only connected to the Bank’s core capital and revenue projection, but are also
connected to CAR calculation to determine IRRBB impact on fulfilling capital requirements (Pillar I and Pillar
II).
4. Penjelasan mengenai skenario shock suku bunga dan skenario stress yang digunakan bank dalam
perhitungan IRRBB dengan menggunakan metode EVE dan NII
Explanation of the interest rate of shock scenario and stress scenario used by the Bank in calculating
IRRBB by using EVE and NII methods
Sesuai POJK, Bank menggunakan pendekatan standar dalam mengukur IRRBB dengan 6 skenario shock
suku bunga yang berbeda-beda untuk setiap kurs mata uang. Untuk scenario stress test, Bank menggunakan
asumsi “worstcase but plausible,” yaitu perubahan suku bunga sebesar 100 bps berlaku untuk seluruh mata
uang disesuaikan dengan kondisi di pasar.
In accordance with OJK Regulation, the Bank uses a standard approach in measuring IRRBB with 6 different
interest rate of shock scenarios for each currency. For stress test scenario, the Bank uses the “worst case but
plausible” assumption, which is a change in interest rates of 100 bps that applies to all currencies according to
market conditions.
5. Apabila terdapat asumsi pemodelan yang digunakan secara signifikan dalam MIS Bank (contoh: hasil
pengukuran EVE yang dilakukan oleh Bank untuk tujuan selain pengungkapan, assessment internal
terhadap kecukupan permodalan) berbeda dari asumsi permodelan yang digunakan dalam Laporan
Perhitungan IRRBB dengan pendekatan standar, Bank harus memberikan penjelasan terhadap asumsi
tersebut termasuk dampaknya serta alasan penggunaan asumsi tersebut (contoh: data historis,
pertimbangan, dan analisis manajemen)
In the event that the modeling assumption used significantly in the Bank’s MIS (example: EVE
measurement results by the Bank for purposes other than disclosure, internal assessment of capital
adequacy) is different from the modeling assumption used in the IRRBB Calculation Report by using a
standard approach, the Bank must give an explanation of the assumption, including the impacts and
reasons for using the assumption (example: historical data, judgment, and management analysis)
Dalam analisis internal IRRBB atau kepentingan Asset Liabilities Management (ALMA), Bank menggunakan
asumsi-asumsi yang sama dengan yang digunakan untuk tujuan pelaporan IRRBB kepada OJK. Dengan kata
lain tidak terdapat asumsi permodelan yang bersifat signifikan antara penilaian Bank dengan standardized
IRRBB.
In IRRBB internal analysis or Asset Liabilities Management (ALMA) interest, the Bank uses the same
assumptions used for IRRBB reporting purposes to OJK. In other words, there are no significant modeling
assumptions between the Bank's assessment and standardized IRRBB.
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Analisa Kualitatif
Qualitative Analysis
6. Penjelasan mengenai bagaimana Bank melakukan lindung nilai (hedging) terhadap IRRBB (apabila ada)
dan perlakuan akuntansi terkait
Explanation of how the Bank performs hedging for IRRBB (if any) and the relevant accounting treatment
Dalam analisis lindung nilai atas eksposur RSA dan RSL, Bank menggunakan natural hedging sehingga gap
RSA dan RSL dapat terjaga nilainya agar senantiasa berada di dalam limit internal maupun hard limit sehingga
tingkat risiko dapat dijaga agar tetap terkendali.
In the hedging analysis of RSA and RSL exposures, the Bank uses natural hedging so that RSA and RSL gap
value can be maintained and always remains within internal and hard limits, and thus, the risk level can be
maintained under control.
7. Penjelasan komprehensif mengenai asumsi utama pemodelan dan parametrik yang digunakan dalam
menghitung ΔEVE dan ΔNII, paling sedikit
Comprehensive explanation of the main modeling assumptions and parametrics used in calculating
ΔEVE and ΔNII should at least
a. Menentukan apakah margin komersial dan spread components lainnya telah diperhitungkan dalam
arus kas dan dalam tingkat suku bunga diskonto yang digunakan dalam perhitungan dengan metode
EVE
Determine whether commercial margins and other spread components have been calculated in cash
flow and in discount rate used in calculations by using the EVE method
Bank menggunakan tingkat suku bunga diskonto yang terdiri dari risk free rate yang bersumber dari yield
Obligasi Pemerintah masing-masing mata uang dengan tenor 1 tahun dan margin komersial yang berasal
dari spread antara Obligasi Korporasi yang dikeluarkan Bank (Rating AAA) dengan tenor 1 tahun, sedangkan
margin komersial mata uang lain diasumsikan besarnya sama.
The Bank uses a discount rate, which consists of a risk-free rate derived from the yield of Government Bonds
in each currency with a 1-year tenor and a commercial margin derived from the spread between Corporate
Bonds issued by the Bank (Rating AAA) with a 1-year tenor, while the commercial margin of other currencies
is assumed to be the same.
b. Menentukan bagaimana rata-rata jatuh tempo penilaian ulang (repricing maturities) non-maturity
deposit (NMD) dalam pengungkapan kuantitatif ditentukan (termasuk karakteristik unik produk yang
mempengaruhi assessment repricing behaviour)
Determine how the average repricing maturities of Non-maturity Deposits (NMD) in the quantitative
disclosure is determined (including the unique characteristics of products affecting the repricing
behavior assessment)
Bank menggunakan metode Time Impact Analysis (TIA) dengan data historis 24 bulan terakhir untuk masing-
masing mata uang dan dibagi berdasarkan jenis NMD, yaitu Ritel Transaksional, Ritel Non-Transaksional,
dan Wholesale untuk mendapatkan persentase Core NMD dan Non-Core NMD dengan mengacu tabel
"Caps terhadap core deposit dan jangka waktu rata-rata berdasarkan kategori.” Sementara itu, untuk Non-
Core NMD ditempatkan pada time bucket overnight, sedangkan untuk Core NMD ditempatkan pada time
bucket sesuai tabel yang sudah disebutkan sebelumnya.
The Bank uses the Time Impact Analysis (TIA) method with historical data for the last 24 months for each
currency and is divided by types of NMD, which are Transactional Retail, Non-Transactional Retail, and
Wholesale to obtain the percentage of Core NMD and Non-Core NMD with reference to table of “Caps to core
deposit and average term by category.” Meanwhile, Non-Core NMD is placed in the overnight time bucket,
while Core NMD is placed in the time bucket according to the table previously mentioned.
c. Metodologi yang digunakan untuk mengestimasi prepayment rate dari pinjaman dan/atau early
withdrawal rate untuk deposito berjangka dan asumsi signifikan lainnya
Convey the methodology used for estimating the prepayment rate of loans and/or early withdrawal
rates for time deposits and other significant assumptions
Untuk metodologi prepayment rate dari pinjaman dan/atau early redemption pada deposito berjangka
ritel, Bank menggunakan data historis 36 bulan ke belakang untuk mengetahui berapa banyak debitur
dengan fixed rate loan yang melakukan pelunasan kredit dipercepat (prepayment rate) dan deposan yang
melakukan penarikan deposito berjangka dipercepat (early withdrawal) setiap bulannya. Lalu, total 36 bulan
data tersebut masing-masing dibagi dengan total fixed rate loan dan total deposito selama 36 bulan untuk
mendapatkan estimasi prepayment rate dari pinjaman dan early withdrawal pada deposito berjangka.
For the prepayment rate methodology for loans and/or early redemption for retail time deposits, the Bank
uses historical data for the past 36 months to find out how many debtors at fixed-rate make early redemption
(prepayment rate) and depositors make early withdrawal every month. Then, the total 36 months of data
is each divided by the total fixed rate loans and total deposits for 36 months to obtain an estimate of
prepayment rate of the loans and early withdrawal on time deposits.
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Caps terhadap Caps terhadap Jangka
Proporsi Waktu Rata-Rata dari
Core Deposit Core Deposit
Uraian Uraian
Caps to Core Deposit Caps to the Average
Description Description
Proportion Term of Core Deposit
(dalam % / in %) (dalam tahun / in years)
Retail/Transaksional 90 5 Retail/ Transactional
Retail/Non-Transaksional 70 4,5 Retail/Non-Transactional
Wholesale 50 4 Wholesale
Analisa Kualitatif
Qualitative Analysis
d. Asumsi lainnya, termasuk instrumen dengan opsi perilaku (behaviour options) yang telah dikeluarkan
dari perhitungan, yang memiliki dampak material terhadap ΔEVE dan ΔNII yang diungkapkan dalam
Laporan Perhitungan IRRBB dengan pendekatan standar serta penjelasan mengenai bagaimana hal
tersebut berdampak material
Convey other assumptions, including instruments with behavioral options that are already excluded
from the calculation, which have a material impact on ΔEVE and ΔNII as disclosed in the IRRBB
Calculation Report by using a standard approach and an explanation of how it impacts materially
Berdasarkan asumsi internal Bank bahwa untuk kredit yang jenis suku bunganya floating namun tidak
memiliki suku bunga benchmark yang jelas dan jatuh tempo di atas 3 bulan, maka 50% penempatan
repricing suku bunga dari kredit tersebut masuk ke dalam time bucket 3-6 bulan dan 50% penempatan
repricing suku bunga masuk ke dalam time bucket 6-9 bulan. Sedangkan yang jatuh tempo di bawah 3
bulan sloting menggunakan tenor jatuh tempo kredit tersebut.
Based on the Bank’s internal assumption that for loans with floating interest rates, no clear benchmark
interest rates, and maturities of more than 3 months, 50% of repricing interest rate placements from these
loans are included in the 3-6 months’ time bucket and 50% of repricing interest rate placement in the 6-9
months’ time bucket. Whereas, those with maturities of less than 3 months use the loan maturity tenor.
e. Metodologi agregasi antar mata uang dan korelasi suku bunga antar mata uang yang signifikan
Convey methodology of aggregating currencies and correlating interest rates among significant
currencies
Untuk agregasi antar mata uang dan korelasi suku bunga antar mata uang yang signifikan, Bank langsung
menjumlahkan eksposur risiko per jenis skenario shock suku bunga.
For cross-currency aggregation and significant inter-currency interest rate correlation, the Bank immediately
adds up the risk exposure per type of interest rate of shock scenario.
8. Informasi lainnya yang perlu diungkapkan oleh Bank terkait interpretasi Bank terhadap signifikansi
dan sensitivitas hasil pengukuran IRRBB yang telah diungkapkan dan/atau penjelasan terhadap variasi
yang signifikan pada tingkat IRRBB yang dilaporkan dibandingkan dengan pengungkapan sebelumnya
(apabila ada)
Other information that the Bank needs to disclose relating to the Bank’s interpretation of the significance
and sensitivity of the IRRBB measurement results that have been disclosed and/or explanation of
significant variations at the reported IRRBB level compared to that of previous disclosures (if any)
Untuk saat ini Bank menggunakan pendekatan standar OJK.
Currently, the Bank uses OJK standard approach.
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Analisa Kuantitatif
Quantitative Analysis
1. Rata-rata jangka waktu penyesuaian suku bunga (repricing maturity) yang diterapkan untuk NMD
Average repricing maturity period applied for NMD
Bank menggunakan metode Time Impact Analysis (TIA) dengan data historis 24 bulan terakhir untuk masing-
masing mata uang dan dibagi berdasarkan jenis NMD, yaitu Ritel Transaksional, Ritel Non-Transaksional, dan
Wholesale untuk mendapatkan persentase Core NMD dan Non-Core NMD dengan mengacu tabel "Caps
terhadap core deposit dan jangka waktu rata-rata berdasarkan kategori.” Untuk Non-Core NMD ditempatkan
pada time bucket over night sedangkan untuk Core ditempatkan pada time bucket sesuai tabel yang sudah
disebutkan sebelumnya, seperti pada analisis kualitatif poin 7b di atas.
The Bank uses the Time Impact Analysis (TIA) method with historical data for the last 24 months for each
currency and is divided by types of NMD, which are Transactional Retail, Non-Transactional Retail and Wholesale
to obtain the percentage of Core NMD and Non-Core NMD with reference to table of “Caps to core deposit and
average term by category.” For Non-Core NMD, it is placed in the overnight time bucket, while for the Core, it
is placed in the time bucket according to the table previously mentioned, similar as in the qualitative analysis
point 7b above.
2. Jangka waktu penyesuaian suku bunga (repricing maturity) terlama yang diterapkan untuk NMD
The longest period of repricing maturity applied for NMD repricing maturity
Repricing maturity terpanjang yang diterapkan untuk NMD ada di time bucket antara 4 tahun sampai dengan
5 tahun.
The longest repricing maturity applied to NMD is in the time bucket between 4 years and 5 years.
3. Pengelolaan Risiko Likuiditas 3. Liquidity Risk Management
Timbulnya risiko likuiditas dikarenakan Bank Liquidity risk arises when the Bank is unable
yang tidak mampu untuk memenuhi kewajiban to meet financial obligations that are due
finansial yang jatuh tempo baik kepada to both customers and counterparties. The
nasabah maupun pihak lawan (counterparty). goal of managing liquidity risk is to be able to
Tujuan mengelola risiko likuiditas adalah agar meet financial obligations in accordance with
dapat memenuhi kewajiban finansial sesuai the agreement on time while maintaining
dengan perjanjian secara tepat waktu serta optimal liquidity levels. The Bank’s liquidity
agar dapat memelihara tingkat likuiditas secara measurement policy is carried out through a
optimal. Kebijakan pengukuran likuiditas number of parameters, including the primary
Bank diterapkan melalui beberapa parameter, reserve ratio (minimum statutory reserve ratio),
antara lain primary reserve ratio (rasio giro secondary reserve (liquidity reserve), loan-to-
wajib minimum), secondary reserve (cadangan deposit ratio (LDR), and several other liquidity
likuiditas), loan to deposit ratio (LDR), dan ratios. Meanwhile, to controll liquidity risk, the
beberapa rasio likuiditas lainnya. Sementara Bank has established limits that are aligned
untuk pengendalian risiko likuiditas, Bank with regulatory and internal Bank regulations.
telah menetapkan limit-limit yang disesuaikan Hana Bank’s liquidity is influenced by its
dengan ketentuan regulator dan internal Bank. funding structure, asset liquidity, obligations
Likuiditas Bank Hana dipengaruhi oleh struktur to counterparties, and loan commitments to
pendanaan, likuiditas aset, kewajiban kepada debtors.
counterparty, dan komitmen kredit kepada
debitur.
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Bank terus berupaya melakukan antisipasi The Bank continues to strive to anticipate
apabila terjadi peningkatan risiko likuiditas. any increase in liquidity risk. This effort is
Upaya tersebut dibuktikan melalui penetapan demonstrated by determining projections
proyeksi dengan metodologi liquidity gap yang using the liquidity gap methodology, which is
merupakan maturity mismatch antar aspek- a maturity mismatch between aspects of assets
aspek aset dan liabilitas (termasuk off balance and liabilities (including off balance sheet) that
sheet) yang disusun dalam periode waktu (time are organized into time periods (time buckets)
bucket) berdasarkan contractual maturity. based on contractual maturity. In 2023, the
Selama tahun 2023, tingkat likuiditas Bank ada Bank’s liquidity level was in a good position.
pada posisi yang baik.
Bank Hana juga memiliki kerangka metodologi Hana Bank also employs a liquidity risk stress
stress testing risiko likuiditas untuk menguji testing methodology framework to test both
skenario umum dan skenario spesifik. general and specific scenarios. The goal
Tujuannya untuk mengetahui efek perubahan is to determine how market changes and
pasar dan faktor internal dalam kondisi yang internal factors affect liquidity under extreme
ekstrem (krisis) terhadap likuiditas. Kebijakan conditions (crisis). Another policy is the liquidity
lainnya adalah liquidity contingency plan contingency plan (LCP), which includes funding
(LCP) yang mencakup strategi pendanaan, di strategies such as money market loans, repo,
antaranya pinjaman pasar uang, repo, pinjaman bilateral loans, FX swaps, sales of securities, and
bilateral, FX swap, penjualan surat berharga, pricing strategies.
serta strategi pricing.
Pengungkapan Nilai Liquidity Coverage Ratio Disclosure of Liquidity Coverage Ratio Value
Berdasarkan hasil perhitungan LCR untuk Based on the results of LCR calculations for the
periode triwulan IV 2023 sebesar 205,14%. fourth quarter of 2023, it was 205.14%.
Pengungkapan Aset Terikat (Encumbrance/ Disclosure of Encumbrance (ENC)
ENC)
Bank tidak memiliki aset terikat (encumbrance/ The bank does not have encumbrance (ENC)
ENC). assets.
4. Pengelolaan Risiko Operasional 4. Operational Risk Management
Risiko operasional dapat menimbulkan Operational risks can result in losses to the
kerugian pada sistem dan kegiatan operasional Bank’s systems and daily operational activities.
sehari-hari Bank. Risiko tersebut disebabkan This risk is caused by a variety of factors,
karena beberapa faktor, seperti ketidakcukupan including ineffective and/or non-functional
dan/atau tidak berfungsinya proses internal, internal processes, human error, system failure,
kesalahan manusia, kegagalan sistem, atau and external events.
adanya kejadian-kejadian eksternal.
Dalam rangka mengelola eksposur risiko In order to manage operational risk exposure,
operasional yang berpotensi menimbulkan which has the potential to cause financial
kerugian finansial dan non-finansial, Bank and non-financial losses, the Bank employs a
melakukan berbagai strategi mitigasi risiko variety of operational risk mitigation strategies
operasional dan memiliki Kebijakan Risiko and maintains an Operational Risk Policy as a
Operasional sebagai acuan dalam mengelola reference for managing the Bank’s operational
risiko operasional Bank. risks.
Kebijakan Risiko Operasional menjadi pedoman The Operational Risk Policy is the Bank’s
manajemen risiko operasional Bank. Strategi operational risk management guidelines.
pengendalian risiko operasional di antaranya Operational risk control strategies include the
mencakup hal-hal sebagai berikut: following:
a. Berkoordinasi dengan Unit Anti Fraud a. Coordinate with the Anti-Fraud Unit
terkait penerapan fungsi anti fraud; regarding the implementation of the anti
fraud function;
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b. Penerapan Loss Event Database (LED). Bank b. Implementation of the Loss Event Database
menerapkan kebijakan yang mewajibkan (LED). The Bank implements a policy that
seluruh satuan kerja untuk mencatat insiden requires all work units to record incidents
yang terjadi di masing-masing aktivitas that occur in each functional activity as a
fungsional sebagai akibat risiko operasional result of operational risks that occur in each
yang terjadi pada masing-masing fungsi work function;
kerjanya; c. Implementation of the Business Continuity
c. Penerapan Business Continuity Management program;
Management program; d. Implementation of surveillance on Bank
d. Penerapan surveilance terhadap cabang- branches;
cabang Bank; e. Carrying out operational risk awareness in
e. Melakukan operational risk awareness ke branches;
cabang-cabang; f. Preparation of business impact analysis and
f. Penyusunan business impact anaysis dan business continuity plans for critical work
business continuity plan untuk unit kerja units; and
kritikal; dan g. Implementation of the Zero Defect and
g. Penerapan program Zero Defect dan Destroy the Silo programs to improve work
Destroy the Silo untuk meningkatkan proses processes and reduce waste/defects in work
kerja dan mengurangi waste/defect unit units or across departments.
kerja ataupun lintas departemen.
Furthermore, the Bank’s operational risk capital
Selanjutnya, kecukupan modal risiko operasional adequacy is reported to the Financial Services
Bank dilaporkan kepada Otoritas Jasa Keuangan Authority in a standard manner. The table below
dengan menggunakan pendekatan standar. provides a comparison of standard approaches
Perbandingan pendekatan standar selama 2 over the last 2 years.
tahun terakhir diuraikan pada tabel berikut:
Pengungkapan Kuantitatif Risiko Operasional Quantitative Disclosure of Operational Risks
(dalam jutaan rupiah / in million rupiah)
31 Desember 2023
Pendekatan yang Digunakan 31 December 2023
Approach Used Indikator Bisnis (rata-rata 3 Tahun Terakhir)
Operational Risk Minimum Capital
Komponen Indikator Bisnis (KIB) 148.384
Business Indicator Components
Faktor Pengali Kerugian Internal (FPKI) 1
Internal Loss Multiplier Factor
Modal Minimum Risiko Operasional (MMRO) 148.384
Operational Risk Minimum Capital
ATMR untuk Risiko Operasional 1.854.798
RWA for Operational Risk
(dalam jutaan rupiah / in million rupiah)
31 Desember 2022
31 December 2022
Indikator Bisnis
Pendekatan Yang Digunakan (rata-rata 3 Tahun
Approach Used Terakhir) Beban Modal ATMR
Business Indicators Capital Charge RWA
(Average of 3 Last
Years)
Pendekatan Indikator Dasar 2.056.133 308.420 3.855.250
Basic Indicator Approach
Total 2.056.133 308.420 3.855.250
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Strategi Anti Fraud Anti Fraud Strategy
Strategi anti fraud merupakan strategi Bank The anti-fraud strategy is the Bank’s strategy for
dalam mengendalikan fraud yang dirancang controlling fraud, which is designed to develop,
untuk mengembangkan, menerapkan, dan implement, and improve the zero-tolerance
meningkatkan program zero tolerance terhadap program for fraud in running the Bank’s business.
fraud di dalam menjalankan bisnis Bank. Dalam In its implementation, the anti-fraud strategy is
pelaksanaannya, strategi anti fraud dikelola managed based on Financial Services Authority
berdasarkan Peraturan Otoritas Jasa Keuangan Regulation No. 39/POJK.03/2019 concerning the
No. 39/POJK.03/2019 tentang Penerapan Strategi Implementation of Anti-Fraud Strategies for
Anti Fraud bagi Bank Umum yang tertuang dalam Commercial Banks which is contained in the anti-
kerangka anti fraud yang mencakup: fraud framework, which includes:
a. Pilar Pencegahan; a. Prevention Pillar;
b. Pilar Deteksi; b. Detection Pillar;
c. Pilar Investigasi, pelaporan, dan sanksi; c. Investigation, reporting, and sanctions pillars;
d. Pilar Pemantauan, evaluasi, dan tindak lanjut; d. Monitoring, evaluation, and follow-up pillars;
e. Tata Kelola, yang merupakan rencana tingkat e. Governance, which is a high-level plan that
tinggi yang menjadi panduan untuk desain dan guides the design and implementation of
implementasi program fraud management the Bank’s fraud management program by
Bank dengan mempertimbangkan strategi considering the overall strategy, relevant fraud
keseluruhan, risiko fraud yang relevan, selera risks, general risk appetite, and legal and
risiko umum, dan persyaratan hukum dan regulatory requirements;
peraturan;
f. Budaya Anti Fraud, mencakup program f. Anti Fraud Culture, including a strong training
pelatihan dan kesadaran yang kuat dengan and awareness program with related activities,
aktivitas terkait harus dilaksanakan agar setiap must be implemented so that every employee
karyawan memiliki kesadaran umum tentang has a general awareness of fraud, how it occurs,
fraud, bagaimana hal itu terjadi, dan sikap Bank and the Bank’s attitude towards fraud; and
terhadap fraud; serta
g. Pentingnya pengawasan aktif Dewan Komisaris g. The importance of active supervision by the
dan Direksi serta kejelasan peran dan tanggung Board of Commissioners and the Board of
jawab seluruh organisasi Bank dalam penerapan Directors, as well as clarity on the roles and
strategi anti fraud. responsibilities of the entire Bank organization
in implementing anti-fraud strategies.
Anti Pencucian Uang dan Pencegahan Anti-Money Laundering and Counter-Terrorism
Pendanaan Terorisme Financing
Bank secara berkelanjutan menerapkan program In accordance with applicable regulatory
anti pencucian uang (APU) dan pencegahan requirements, the Bank continuously implements
pendanaan terorisme (PPT) melalui proses due anti-money laundering (AML) and counter-
diligence dan pengelolaan risiko terhadap nasabah terrorism financing (CTF) programs for customers
sesuai aturan regulator yang berlaku. Mekanisme through due diligence processes and risk
due diligence dan pengelolaan risiko terhadap management. Customers’ due diligence and risk
nasabah berpegang pada prinsip risk-based management mechanisms follow the risk-based
approach yang mengidentifikasi, mengklasifikasi, approach, which identifies, classifies, monitors,
memantau, dan mengelola risiko transaksi oleh and manages customer transaction risks based
nasabah atas dasar karakteristik produk, nasabah, on product, customer, and geographical (country,
dan geografis (negara, cross-border). cross-border) characteristics.
Business Continuity Management Business Continuity Management
Bank menerapkan business continuity The Bank implement business continuity
management sebagai upaya dalam management as an effort to maintain daily
mempertahankan kegiatan operasional bisnis business operational activities. In current business
sehari-hari. Pada perkembangan bisnis saat ini, developments, the Bank must have resilience
Bank harus memiliki ketahanan agar bisnis dapat so that the business can be run sustainably. In
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dijalankan secara berkelanjutan, dimana dalam its implementation, the Bank has a Business
penerapannya Bank memiliki dokumen Business Continuity Management (BCM) document that
Continuity Management (BCM) yang mencakup, includes a Disaster Recovery Plan (DRP) and
Disaster Recovery Plan (DRP), dan Business Business Continuity Plan (BCP).
Continuity Plan (BCP).
Keputusan strategis BCM disusun oleh Bank The Bank carefully prepares BCM strategic
secara seksama dengan memperhatikan aspek decisions while keeping employees’ security and
keamanan dan keselamatan jiwa pegawai dalam life safety in mind during business disruptions,
kondisi gangguan bisnis, serta melihat panduan as well as considering the DRP guidelines for
DRP untuk rencana kerja mengenai persiapan work plans regarding preparation and recovery
dan pemulihan dari gangguan yang berdampak from disruptions that impact information
kepada layanan teknologi informasi. Bank technology services. The Bank is also guided by
juga berpedoman sesuai panduan BCP yang the BCP guidelines, which include procedures and
memuat prosedur dan informasi untuk menjaga information for ensuring the operational continuity
kelangsungan operasional suatu unit kerja. of a work unit.
5. Risiko Lain 5. Other Risks
Terdapat beberapa risiko yang mungkin terjadi Several risks can arise in banking activities,
dalam aktivitas perbankan antara lain risiko including legal risk, compliance risk, strategic
hukum, risiko kepatuhan, risiko strategis, risk, and reputation risk. These other risks must
dan risiko reputasi. Risiko-risiko lain ini harus be carefully considered and well managed in
diperhatikan dan dikelola dengan baik agar order to mitigate their negative impact on the
dapat mengurangi dampak negatif terhadap Bank. The Bank will measure all of its risks in
Bank. Bank akan mengukur seluruh risiko yang a top-down manner and evaluate them on a
dimiliki Bank secara top-down dan dievaluasi regular basis. Every quarter, the Bank conducts
secara berkala. Bank juga mengkaji profil risiko a bottom-up review of its risk profile.
dengan metode bottom-up per triwulan.
a. Risiko Hukum a. Legal Risk
Bank mengelola Risiko Hukum untuk The Bank manages Legal Risk to reduce
meminimalisir dampak negatif yang dapat negative consequences that could harm the
merugikan Bank, seperti risiko akibat Bank, such as lawsuit risks and/or weaknesses
tuntutan hukum dan/atau kelemahan in juridical aspects. To mitigate legal risks,
aspek yuridis. Dalam mencegah risiko the Legal Work Unit, Litigation Work Unit,
hukum, Satuan Kerja Legal, Satuan Kerja and Board of Directors conduct regular
Litigasi dan Direksi melakukan pemantauan monitoring and meetings on the use of
dan pertemuan secara berkala untuk legal consultants and the litigation process.
penggunaan konsultan hukum dan proses Meanwhile, the Legal Work Unit and the
litigasi. Sedangkan Satuan Kerja Legal Board of Directors hold regular monitoring
dan Direksi melakukan pemantauan and meetings to conduct reviews or reviews
dan pertemuan secara berkala untuk of standard documentation and evaluation
melakukan peninjauan atau kajian terhadap processes for new products and services
dokumentasi standar dan proses evaluasi to ensure that all activities/transactions
atas produk maupun layanan baru untuk are in accordance with the law, including
menjamin seluruh kegiatan/transaksi telah appropriate mitigation procedures.
sesuai dari sisi hukum, termasuk prosedur
mitigasi yang sesuai.
Bank juga mengelola risiko hukum melalui The Bank also manages legal risks by
pemantauan dan pengkajian terhadap monitoring and reviewing all activities,
seluruh aktivitas, terutama yang melibatkan particularly those involving third parties,
pihak ketiga, yang berpotensi menimbulkan that have the potential to result in conflicts
benturan kepentingan maupun tuntutan of interest or legal claims against the Bank,
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hukum terhadap Bank ataupun akibat or due to weaknesses in juridical aspects
kelemahan aspek yuridis yang timbul dari resulting from the Bank’s involvement.
keterlibatan Bank. Dalam hal ini, Satuan In this case, the Legal Work Unit reviews
Kerja Legal secara berkala melakukan cooperation agreements with third parties
tinjauan terhadap perjanjian kerja sama on a regular basis to protect the Bank’s
dengan pihak ketiga untuk melindungi legal interests and avoid legal risks, as well
kepentingan hukum Bank dan menghindari as to play a role in resolving legal problems
terjadinya risiko hukum serta berperan that arise both inside and outside the court,
dalam penyelesaian masalah hukum including the implementation of legal
yang terjadi, baik di dalam maupun di luar handling procedures.
pengadilan, termasuk melakukan proses
penanganan hukum.
b. Risiko Kepatuhan b. Compliance Risk
Bank mencegah risiko kepatuhan dengan The Bank mitigates compliance risks by
menilai kepatuhan Bank terhadap assessing its compliance with applicable
peraturan perundang-undangan yang Indonesian laws and regulations. The
berlaku di Indonesia. Bank mendukung Bank encourages employees to follow
karyawan untuk mematuhi peraturan sesuai regulations in accordance with the Code of
dengan Code of Conduct (CoC) dan budaya Conduct (CoC) and company culture. The
perusahaan. Bank melakukan kajian secara Bank conducts a comprehensive review
menyeluruh terhadap aspek kepatuhan of compliance aspects, which are then
yang diterapkan secara sistematis dalam systematically applied to all of the Bank’s
tiap proses dan aktivitas Bank. Mekanisme processes and activities. Control mechanisms
pengendalian dan risiko kepatuhan and compliance risks are managed using a
dilakukan melalui proses yang dilakukan comprehensive process that includes risk
secara menyeluruh, meliputi proses identification, measurement, monitoring,
identifikasi, pengukuran, pemantauan, and control. Compliance risk identification
dan pengendalian risiko. Identifikasi dan and measurement are accomplished
pengukuran risiko kepatuhan dilakukan through compliance reviews of the Bank’s
melalui kajian kepatuhan terhadap sistem, systems, policies, and procedures to detect
kebijakan, prosedur yang dimiliki oleh potential non-compliance with applicable
Bank untuk mendeteksi adanya potensi laws and regulations.
ketidakpatuhan terhadap ketentuan atau
peraturan perundang-undangan yang
berlaku.
Hal ini sejalan dengan strategi manajemen This is consistent with the compliance risk
risiko kepatuhan yang didasarkan pada management strategy, which focuses on
tindakan atau langkah-langkah yang bersifat preventive actions or steps to ensure that the
preventif untuk memastikan bahwa sistem, Bank’s systems, policies, and procedures, as
kebijakan, dan prosedur, serta kegiatan well as business activities, are in accordance
usaha yang dilakukan oleh Bank telah sesuai with the provisions of the Financial Services
dengan ketentuan Otoritas Jasa Keuangan, Authority, Bank Indonesia, and other
Bank Indonesia, dan otoritas pengawas supervisory authorities. This is also done
lainnya. Hal ini juga dilakukan dalam rangka to demonstrate the Bank’s commitment
memastikan bahwa komitmen Bank untuk to following healthy banking practice
mematuhi standar praktik perbankan yang standards in order to improve operational
sehat sehingga dapat meningkatkan kinerja performance, business, and stakeholder
operasional, bisnis, serta kepercayaan dari trust.
para pemangku kepentingan.
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c. Risiko Strategis c. Strategic Risk
Bank mencegah risiko strategis dengan The Bank mitigates strategic risks by
melakukan pengelolaan dan menguatkan managing and strengthening financial
program pendukung kinerja finansial. Selain performance support programs.
itu, Bank juga melakukan evaluasi kinerja Furthermore, the Bank evaluates
dan kebijakan penyusunan target bisnis, performance and policies for preparing
serta membuat langkah-langkah perbaikan business targets, as well as taking steps to
rencana strategis dan target bisnis sesuai improve strategic plans and business targets
dengan kondisi internal dan eksternal Bank. in light of the Bank’s internal and external
Parameter pengukuran dan pengukuran conditions. Strategic risk measurement and
risiko strategis dilakukan berdasarkan measurement parameters are calculated
kinerja Bank dengan membandingkan based on the Bank’s performance,
hasil aktual dengan target yang sudah comparing actual results to predetermined
ditetapkan. Selain itu, kinerja Bank juga targets. In addition, the Bank’s performance
diperbandingkan dengan peer group. is compared to that of its peer group.
d. Risiko Reputasi d. Reputation Risk
Pengelolaan risiko reputasi dilakukan secara Reputation risk management is carried out
terpadu berkoordinasi dengan Satuan Kerja in an integrated manner in collaboration
Corporate Communication dan Satuan with the Corporate Communication Work
Kerja Contact Center yang memfasilitasi Unit and the Contact Center Work Unit,
kemudahan dalam akses informasi dan resulting in easier access to information and
melakukan peningkatan layanan Bank. improves Bank services. In addition, a Service
Selain itu, Service Level Agreement Level Agreement is implemented to handle
diterapkan untuk menangani keluhan customer complaints regarding Bank
nasabah terkait layanan Bank melalui hotline services via the customer service hotline and
pelayanan nasabah dan surat elektronik ke electronic mail through the Bank’s website.
situs Bank.
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Pengukuran Profil Risiko Risk Profile Measurement
Pengukuran profil risiko Bank didasari oleh The Bank’s risk profile is measured in accordance
ketentuan Otoritas Jasa Keuangan mengenai with the Financial Services Authority’s provisions
Penerapan Manajemen Risiko bagi Bank Umum for the implementation of risk management
maupun Penerapan Manajemen Risiko Terintegrasi for commercial banks and the implementation
terhadap Perusahaan Anak yang dilakukan secara of integrated risk management for subsidiary
bankwide. Adapun perolehan peringkat komposit companies, which are carried out bankwide.
dari self-assessment dijelaskan dalam tabel berikut: The composite ranking obtained from the self-
assessment is explained in the table below:
Peringkat Kualitas Penerapan Peringkat
Jenis Risiko Peringkat Risiko Inheren Manajemen Risiko Tingkat Risiko
Type of Risk Inherent Risk Rating Rating of Risk Management Risk Level
Implementation Quality Rating
Risiko Kredit
2 2 2
Loan Risk
Risiko Pasar
1 2 1
Market Risk
Risiko Likuiditas
2 2 2
Liquidity Risk
Risiko Operasional
3 2 2
Operational Risk
Risiko Hukum
2 2 2
Legal Risk
Risiko Strategis
2 2 2
Strategic Risk
Risiko Kepatuhan
2 2 2
Compliance Risk
Risiko Reputasi
2 2 2
Reputation Risk
Peringkat Komposit
2 2 2
Composite Rating
Pada tahun 2023, Bank Hana memperoleh In 2023, Hana Bank received a composite rating
peringkat komposit 2 yang menunjukkan profil of 2, indicating that the Bank’s risk profile is in the
risiko Bank dalam kategori Low to Moderate Low to Moderate Risk category. Based on these
Risk. Berdasarkan hasil tersebut, Bank telah findings, the Bank has effectively implemented
melaksanakan pengelolaan manajemen risiko bank-wide risk management.
secara bankwide dengan baik.
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Evaluasi terhadap Efektivitas Sistem Manajemen Evaluation of The Effectiveness of The Risk
Risiko Management System
Dewan Komisaris dan Direksi melakukan evaluasi The Board of Commissioners and the Board
terhadap efektivitas sistem manajemen risiko of Directors assesses the effectiveness of the
Bank melalui rapat pembahasan bersama dengan Bank’s risk management system through
menggunakan pendekatan self-assessment. joint discussion meetings that employ a self-
Kebijakan serta prosedur evaluasi sistem assessment methodology. The risk management
manajemen risiko tersebut senantiasa dianalisis system evaluation policies and procedures are
dan disempurnakan seiring dengan perkembangan constantly analyzed and refined in response to
usaha Bank dan industri perbankan. the development of the Bank’s business and the
banking industry.
Berdasarkan hasil evaluasi untuk tahun buku Based on the evaluation results for the financial
2023, Dewan Komisaris dan Direksi menilai bahwa year 2023, the Board of Commissioners and the
penerapan sistem manajemen risiko pada Bank Board of Directors assesses that the Bank’s risk
telah cukup baik. Sistem manajemen risiko yang management system is well-implemented. The
telah ada saat ini dinilai telah mumpuni dalam Bank’s existing risk management system is thought
mengendalikan berbagai risiko yang terjadi dalam to be capable of controlling a variety of risks that
aktivitas operasional Bank. arise during its operational activities.
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1. Analisa Eksposur Counterparty Credit Risk (CCR1)
Counterpary Credit Risk Exposure Analysis (CCR1)
31 Desember 2023 / 31 December 2023
1 SA-CCR
2 Metode Internal Model (untuk derivatif dan SFT)
Internal model method (for derivative and SFTs)
3 Pendekatan sederhana untuk mitigasi risiko kredit (untuk SFT)
Simple approach for credit risk mitigation (forSFTs)
4 Pendekatan komprehensif untuk mitigasi risiko kredit (untuk SFT)
Comprehensive approach for credit risk mitigation (for SFTs)
5 VaR untuk SFT
VaR for SFTs
Total
Pengungkapan Tambahan / Additional Disclosures
Eksposur Counterparty Credit Risk terdiri dari tagihan derivatif yang berasal dari Tagihan kepada Bank dan Tagihan kepada Korporasi.
Counterparty Credit Risk exposure consists of derivative receivables from Receivables to Banks and Receivables to Corporates.
2. Capital Charge untuk Credit Valuation Adjustment (CCR2)
Capital Charge for Credit Valuation Adjustments (CCR2)
Bank tidak memiliki eksposur credit valuation adjustment (CCR2).
The Bank has no Credit Valuation Adjustment (CCR2) exposure.
3. Eksposur Counterparty Berdasarkan Kategori Portofolio dan Bobot Risiko (CCR3)
Counterparty Exposure based on Portfolio Category and Risk Weighting (CCR3)
a
Kategori Portofolio
No.
Portfolio Category 0%
31 Desember 2023 / 31 December 2023
1 Tagihan Kepada Pemerintah / Receivables on Sovereigns -
a. Tagihan kepada Pemerintah Indonesia / Receivables on the Government of Indonesia
b. Tagihan kepada Pemerintah Negara Lain / Receivables on Governments of Other Countries
2 Tagihan Kepada Entitas Sektor Publik / Publik Receivables on Public Sector Entities
3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional /
Receivables on Multilateral Development Banks and International Institutions
4 Tagihan Kepada Bank / Receivables on Banks -
a. Tagihan Jangka Pendek / Short Term Receivables
b. Tagihan Jangka Panjang / Long Term Receivables
5 Tagihan kepada Perusahaan Efek dan Lembaga Jasa Keuangan Lainnya / Receivables -
to Securities Companies and Other Financial Services Institutions
a. Tagihan Jangka Pendek / Short Term Receivables
b. Tagihan Jangka Panjang / Long Term Receivables
6 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel
Receivables on Micro, Small Business & Retail Portfolio
7 Tagihan kepada Korporasi / Receivables on Corporate
Total Eksposur Counterparty Credit Risk -
250 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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Operational Aspects Corporate Governance Sustainability Report Financial Statements
(dalam jutaan rupiah / in million rupiah)
a b c d e f
Alpha yang
digunakan untuk
Replacement cost Potential Future perhitungan Tagihan Bersih ATMR
EEPE
(RC) Exposure (PFE) regulatory Alpha Net Receivables RWA
used to calculate
regulatory EAD
31.911 38.964 1,4 99.225 87.752
87.752
(dalam jutaan rupiah / in million rupiah)
b c d e f g h i j k
Total Tagihan Bersih
10% 20% 30% 40% 50% 75% 85% 100% 150%
Net Receivables
- - - - - - - - - -
-
-
-
-
- 14.342 - - - - - - - 14.342
14.342 14.342
-
- - - - - - - - - -
-
-
-
84.885 84.885
- 14.342 - - - - - 84.885 - 99.227
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 251
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Ikhtisar Utama 2023 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen
Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
4. Pengungkapan Kualitas Kredit atas Kredit (CR1)
Disclosure of Credit Quality over Credit
Nilai Tercatat Bruto
Gross Carrying Value
Tagihan yang Belum
Tagihan yang Telah
Jatuh Tempo
Jatuh Tempo
Non Past Due
Past Due Receivables
Receivables
a b
31 Desember 2023 / 31 December 2023
1 Kredit 249.191
Credit 34.074.860
2 Surat Berharga 6.199.485
Securities
3 Transaksi Rekening Administratif 3.764.360
Other Off-Balance Sheet
Total 249.191 44.038.705
Pengungkapan Tambahan / Additional Disclosures
Tagihan yang Telah Jatuh Tempo mencangkup tagihan-tagihan yang telah memiliki jumlah hari tunggakan lebih dari 90 hari atau
kolektibilitas 3,4, dan 5.
Past Due Bills include bills that have more than 90 days overdue or collectibility 3,4, and 5.
5. Pengungkapan Mutasi Kredit dan Surat Berharga yang Telah Jatuh Tempo (CR2)
Disclosures of Past Due Credit and Securities Movements (CR2)
(dalam jutaan rupiah / in million rupiah)
31 Desember 2023 / 31 December 2023
1 Kredit dan Surat Berharga yang Telah Jatuh Tempo pada periode pelaporan terakhir 299.940
Past Due Credit and Securities in prior reporting
2 Kredit dan Surat Berharga yang Telah Jatuh Tempo sejak periode pelaporan terakhir 144.505
Past Due Credit and Securities since prior reporting
3 Kredit dan Surat Berharga yang kembali menjadi tagihan yang belum Jatuh Tempo (118.100)
Credit and Securities Restated to Not Past Due Receivables
4 Nilai Hapus Buku (77.154)
Written-Of
5 Perubahan Lain -
Other Changes
6 Kredit dan Surat Berharga yang Telah Jatuh Tempo pada akhir periode pelaporan (1+2+3+4+5) 249.191
Past Due Credit and Securities for end of reporting period (1+2-3-4+5)
Pengungkapan Tambahan / Additional Disclosures
Tagihan yang Telah Jatuh Tempo seluruhnya berasal dari Kredit yang Diberikan.
Past Due Receivables are entirely derived from Loans.
252 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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(dalam jutaan rupiah / in million rupiah)
CKPN
Allowance for
impairment losses Nilai Bersih
CKPN CKPN (Pendekatan IRB)
(a + b -c )
Allowance for Allowance for
Net Receivables
impairment losses Stage 2 dan Stage 3 impairment losses
Stage 1 (a+b-c)
Stage 2 and Stage 3
c d e f g
984.674 733.511 251.163 33.339.377
10.393 10.393 6.189.092
9.959 9.959 3.754.401
1.005.026 733.511 271.515 43.282.870
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 253
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Ikhtisar Utama 2023 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen
Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
6. Tabel CRB.1 Pengungkapan Tagihan Bersih Berdasarkan Wilayah
Table CRB.1 Disclosure of Net Receivables by Region
(dalam jutaan rupiah / in million rupiah)
Saldo Baki Debet Bank / Bank Debit Balance
Tagihan Bersih berdasarkan Wilayah
Receivables and Allowance Based on Region
Kategori Portofolio
No.
Category of Portfolio Sulawesi dan
Jawa lainnya
Sumatera
Java Sulawesi and
others
31 Desember 2023 / 31 December 2023
1 Tagihan Kepada Pemerintah 4.303.830 - -
Receivable to Government
2 Tagihan Kepada Entitas Sektor Publik 2.334.456 - -
Receivable to Public Entity
3 Tagihan Bank Pembangunan Multilateral dan Lembaga - - -
Internasional
Multilateral Development Bank and International Agency
4 Tagihan Kepada Bank 4.875.863 45.873 171.850
Receivable toBank
5 Tagihan Berupa Covered Bond - - -
Receivables by Covered Bond
6 Tagihan kepada Perusahaan Efek dan Lembaga Jasa 151.040 - -
Keuangan Lainnya
Receivables to Securities Companies and Other Financial
Services Institutions
7 Tagihan berupa Surat Berharga/Piutang Subordinasi, - - -
Ekuitas, dan Instrumen Modal Lainnya
Receivables in the Form of Subordinated Securities, Equity,
and Other Capital Instruments
8 Kredit Beragun Rumah Tinggal 32.084 497 762
Loan Secured by Residential Property
9 Kredit Beragunan Properti Komersial 3.621.979 17.273 120.654
Loan Secured bu Commercial Property
10 Kredit untuk Pengadaan Tanah, Pengolahan Tanah, dan 626.453 3.372 -
Konstruksi
Credit for Land Acquisition, Soil Processing, and
Construction
11 Kredit Pegawai/Pensiunan 11.025 11.661 16.357
Employee/Pension Loan
12 Tagihan kepada Usaha Mikro, Usaha Kecil, dan Portofolio 1.153.852 86.899 73.201
Ritel
Receivable to Micro, Small Enterprise, and Retail Portfolio
13 Tagihan kepada Korporasi 27.070.478 1.447.395 1.407.313
Receivable to Corporate
14 Tagihan yang Telah Jatuh Tempo 81.369 4.855 9.670
Past Due Receivables
15 Aset Lainnya 2.058.235 - -
Other Assets
Total 46.320.664 1.617.825 1.799.807
254 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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Aspek Operasional Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Operational Aspects Corporate Governance Sustainability Report Financial Statements
7. Tabel CRB.1 Pengungkapan Tagihan Bersih Berdasarkan Wilayah
Table CRB.1 Disclosure of Net Receivables by Region
(dalam jutaan rupiah / in million rupiah)
Saldo Baki Debet Bank / Bank Debit Balance
Tagihan Bersih berdasarkan Wilayah
Receivables and Allowance Based on Region
Kategori Portofolio
No.
Category of Portfolio Sulawesi dan
Jawa lainnya
Sumatera
Java Sulawesi and
others
31 Desember 2022 / 31 December 2022
1 Tagihan Kepada Pemerintah 9.040.915 - -
Receivable to Government
2 Tagihan Kepada Entitas Sektor Publik 2.078.701 - -
Receivable to Public Entity
3 Tagihan Bank Pembangunan Multilateral dan Lembaga - - -
Internasional
Multilateral Development Bank and International Agency
4 Tagihan Kepada Bank 1.419.507 27.017 19.829
Receivable toBank
5 Kredit Beragun Rumah Tinggal 20.084 3.598 -
Loan Secured by Residential Property
6 Kredit Beragunan Properti Komersial 4.743.208 30.351 12.970
Loan Secured bu Commercial Property
7 Kredit Pegawai/Pensiunan - - -
Employee/Pension Loan
8 Tagihan kepada Usaha Mikro, Usaha Kecil, 880.980 29.658 14.367
dan Portofolio Ritel
Receivable to Micro, Small Enterprise, and Retail Portfolio
9 Tagihan kepada Korporasi 33.837.226 344.140 387.095
Receivable to Corporate
10 Tagihan yang Telah Jatuh Tempo 244.436 27.431 28.072
Past Due Receivables
11 Aset Lainnya 1.766.932 - -
Other Assets
12 Eksposur Sekuritas - - -
Exposure of Securities
Total 54.031.990 462.195 462.333
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 255
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
8. Tabel Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak (CRB-2)
Disclosure of Net Receivables based on Contract Maturity Outstanding
Kategori Portofolio
No.
Category of Portfolio
(1) (2)
31 Desember 2023 / 31 December 2023
1 Tagihan Kepada Pemerintah
Receivable to Government
2 Tagihan Kepada Entitas Sektor Publik
Receivable to Public Entity
3 Tagihan Bank Pembangunan Multilateral dan Lembaga Internasional
Multilateral Development Bank and International Agency
4 Tagihan Kepada Bank
Receivable toBank
5 Tagihan Berupa Covered Bond
Receivables by Covered Bond
6 Tagihan kepada Perusahaan Efek dan Lembaga Jasa Keuangan Lainnya
Receivables to Securities Companies and Other Financial Services Institutions
7 Tagihan berupa Surat Berharga/Piutang Subordinasi, Ekuitas, dan Instrumen Modal Lainnya
Receivables in the Form of Subordinated Securities, Equity, and Other Capital Instruments
8 Kredit Beragun Rumah Tinggal
Loan Secured by Residential Property
9 Kredit Beragunan Properti Komersial
Loan Secured bu Commercial Property
10 Kredit untuk Pengadaan Tanah, Pengolahan Tanah, dan Konstruksi
Credit for Land Acquisition, Soil Processing, and Construction
11 Kredit Pegawai/Pensiunan
Employee/Pension Loan
12 Tagihan kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel
Receivable to Micro, Small Enterprise, and Retail Portfolio
13 Tagihan kepada Korporasi
Receivable to Corporate
14 Tagihan yang Telah Jatuh Tempo
Past Due Receivables
15 Aset Lainnya
Other Assets
Total
256 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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Operational Aspects Corporate Governance Sustainability Report Financial Statements
(dalam jutaan rupiah / in million rupiah)
Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak / Receivable based on Contract Maturity Outstanding
> 3 Tahun s/d
< 1 Tahun > 1 Tahun s/d 3 5 Tahun > 5 Tahun Non- Kontraktual
Total
< 1 Year >1 Year to 3 Years >3 Years to > 5 Years Non- Contractual
5 Years
(3) (4) (5) (6) (7) (8)
730.721 1.283.331 1.206.640 1.083.138 - 4.303.830
630.109 244.436 596.795 863.116 - 2.334.456
- - - - - -
4.181.799 737.922 173.865 - - 5.093.586
- - - - - -
151.040 - - - - 151.040
- - - - - -
- 5.240 3.427 24.676 - 33.343
857.748 544.425 494.202 1.863.531 - 3.759.906
327.587 4.095 115.515 182.628 - 629.825
90 4.156 12.154 22.643 - 39.043
712.381 293.205 159.652 148.714 - 1.313.952
17.321.185 5.265.979 4.328.145 3.009.877 - 29.925.186
69.834 5.421 6.952 13.687 - 95.894
- - - - 2.058.235 2.058.235
24.982.491 8.388.206 7.097.342 7.212.004 2.058.228 49.738.288
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 257
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
8. Tabel Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak (CRB-2)
Disclosure of Net Receivables based on Contract Maturity Outstanding
Kategori Portofolio
No.
Category of Portfolio
(1) (2)
31 Desember 2022 / 31 December 2022
1 Tagihan Kepada Pemerintah
Receivable to Government
2 Tagihan Kepada Entitas Sektor Publik
Receivable to Public Entity
3 Tagihan Bank Pembangunan Multilateral dan Lembaga Internasional
Multilateral Development Bank and International Agency
4 Tagihan Kepada Bank
Receivable toBank
5 Kredit Beragun Rumah Tinggal
Loan Secured by Residential Property
6 Kredit Beragunan Properti Komersial
Loan Secured bu Commercial Property
7 Kredit Pegawai/Pensiunan
Employee/Pension Loan
8 Tagihan kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel
Receivable to Micro, Small Enterprise, and Retail Portfolio
9 Tagihan kepada Korporasi
Receivable to Corporate
10 Tagihan yang Telah Jatuh Tempo
Past Due Receivables
11 Aset Lainnya
Other Assets
Total
258 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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(dalam jutaan rupiah / in million rupiah)
Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak / Receivable based on Contract Maturity Outstanding
> 3 Tahun s/d
< 1 Tahun > 1 Tahun s/d 3 5 Tahun > 5 Tahun Non- Kontraktual
Total
< 1 Year >1 Year to 3 Years >3 Years to > 5 Years Non- Contractual
5 Years
(3) (4) (5) (6) (7) (8)
4.689.841 - - 4.351.073 - 9.040.914
13.047 989.912 - 1.088.787 - 2.091.746
- - - - - -
1.009.800 - 111.242 346.450 - 1.467.492
481 13.884 2.616 6.702 -
23.683
1.262.095 1.861.481 268.291 1.394.662 - 4.786.529
- - - - - -
406.076 195.580 263.212 60.137 - 925.005
20.833.909 4.250.564 4.307.523 5.162.280 - 34.554.276
218.011 42.590 18.186 21.153 - 299.940
- - - - 1.766.932 1.766.932
28.433.260 7.354.011 4.971.070 12.431.244 1.766.932 54.956.518
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 259
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Ikhtisar Utama 2023 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen
Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
9. Tabel CRB.3 Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi
Table CRB.3Disclosure of Net Receivables by Economic Sector
Tagihan kepada
Sektor Ekonomi Pemerintah
No.
Economic Sector Receivable to the
Government
(a) (b) (c)
31 Desember 2023 / 31 December 2023
1 Pertanian, Kehutanan, dan Perikanan / Agriculture, foresty, and fishery -
2 Pertambangan dan penggalian / Mining and exploration -
3 Industri pengolahan / Manufacturing -
4 Pengadaan Listrik, Gas, Uap/Air Panas, dan Udara Dingin/ Procurement of Electricity, Gas, Steam/Hot -
Water, and Chilled Air
5 Pengelolaan Air, Pengelolaan Air Limbah, Pengelolaan dan Daur Ulang Sampah / -
Water Management, Wastewater Management, Waste Management and Recycling
6 Konstruksi / Construction -
7 Perdagangan Besar dan Eceran; Reparasi dan Perawatan Mobil / -
Wholesale and Retail Trade; Car Repair and Maintenance
8 Pengangkutan dan Pergudangan / Transportation and Warehousing -
9 Penyediaan akomodasi dan penyediaan makan minum / Accommodation food and beverage -
10 Informasi dan Komunikasi / Information and Communication -
11 Aktivitas Keuangan dan Asuransi / Financial and Insurance Activities 3.445.226
12 Real Estate / Real Estate -
13 Aktivitas Profesi, Ilmiah, dan Teknis / Professional, Scientific, and Technical Activities -
14 Aktivitas Penyewaan dan Sewa Guna Usaha Tanpa Hak Opsi, Ketenagakerjaan, Agen Perjalanan, dan -
Penunjang Usaha Lainnya / Leasing and Rental Activities Without Option Rights, Employment, Travel
Agents, and Other Business Support
15 Administrasi pemerintahan, pertahanan, dan jaminan sosial wajib / Public administration, defense, and 858.604
mandatory social insurance
16 Pendidikan / Education -
17 Aktivitas Kesehatan Manusia dan Aktivitas Sosial / Healthcare and social activity -
18 Kesenian, Hiburan, dan Rekreasi / Arts, Entertainment, and Recreation -
19 Aktivitas Jasa Lainnya / Other Service Activities -
20 Aktivitas Rumah Tangga Sebagai Pemberi Kerja, Aktivitas yang Menghasilkan Barang dan Jasa oleh -
Rumah Tangga yang Digunakan untuk Memenuhi Kebutuhan Sendiri
Household Activities as Employer; Activities which Generate Products or Services
by Household, Use for Fulfilling Self-Needs
21 Aktivitas Badan Internasional dan Badan Ekstra Internasional Lainnya / International agency and other -
suprastate institution Activity
22 Rumah Tangga / Household Activities -
23 Bukan lapangan usaha / Non-business sector -
24 Lainnya / Others -
Total 4.303.830
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Operational Aspects Corporate Governance Sustainability Report Financial Statements
(dalam jutaan rupiah / in million rupiah)
Tagihan berupa
Tagihan kepada Surat Berharga/
Bank Pembangunan Tagihan kepada Piutang Subordinasi,
Multilateral Perusahaan Efek Ekuitas, dan
Tagihan kepada Tagihan Berupa
dan Lembaga dan Lembaga Jasa Instrumen Modal
Entitas Sektor Tagihan kepada Covered Bond
Internasional Keuangan Lainnya Lainnya
Publik Bank Receivables
Receivables Receivables to Receivables
Receivables on Receivables to Banks by Covered
on Multilateral Securities Companies in the Form of
Public Sector Entities Bond
Development Banks and Other Financial Subordinated
and International Services Institutions Securities, Equity,
Institution and Other Capital
Instruments
(d) (e) (f) (g) (h) (i)
- - - - - -
- - - - - -
553.820 - - - - -
662.558 - - - - -
- - - - - -
199.595 - - - - -
- - - - - -
670.235 - - - - -
- - - - - -
- - - - - -
248.248 - 5.093.586 - 151.040 -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
2.334.456 - 5.093.586 - 151.040 -
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 261
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Ikhtisar Utama 2023 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen
Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
9. Tabel CRB.3 Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi - lanjutan
Table CRB.3Disclosure of Net Receivables by Economic Sector - continued
Kredit Beragunan
Sektor Ekonomi Rumah Tinggal
No.
Economic Sector Loans Secured by
Residential Property
(a) (b) ( j)
31 Desember 2023 / 31 December 2023
1 Pertanian, Kehutanan, dan Perikanan / Agriculture, foresty, and fishery -
2 Pertambangan dan penggalian / Mining and exploration -
3 Industri pengolahan / Manufacturing -
4 Pengadaan Listrik, Gas, Uap/Air Panas, dan Udara Dingin/ Procurement of Electricity, Gas, Steam/Hot -
Water, and Chilled Air
5 Pengelolaan Air, Pengelolaan Air Limbah, Pengelolaan dan Daur Ulang Sampah / -
Water Management, Wastewater Management, Waste Management and Recycling
6 Konstruksi / Construction -
7 Perdagangan Besar dan Eceran; Reparasi dan Perawatan Mobil / -
Wholesale and Retail Trade; Car Repair and Maintenance
8 Pengangkutan dan Pergudangan / Transportation and Warehousing -
9 Penyediaan akomodasi dan penyediaan makan minum / Accommodation food and beverage -
10 Informasi dan Komunikasi / Information and Communication -
11 Aktivitas Keuangan dan Asuransi / Financial and Insurance Activities -
12 Real Estate / Real Estate -
13 Aktivitas Profesi, Ilmiah, dan Teknis / Professional, Scientific, and Technical Activities -
14 Aktivitas Penyewaan dan Sewa Guna Usaha Tanpa Hak Opsi, Ketenagakerjaan, Agen Perjalanan, dan -
Penunjang Usaha Lainnya / Leasing and Rental Activities Without Option Rights, Employment, Travel
Agents, and Other Business Support
15 Administrasi pemerintahan, pertahanan, dan jaminan sosial wajib / Public administration, defense, -
and mandatory social insurance
16 Pendidikan / Education -
17 Aktivitas Kesehatan Manusia dan Aktivitas Sosial / Healthcare and social activity -
18 Kesenian, Hiburan, dan Rekreasi / Arts, Entertainment, and Recreation -
19 Aktivitas Jasa Lainnya / Other Service Activities -
20 Aktivitas Rumah Tangga Sebagai Pemberi Kerja, Aktivitas yang Menghasilkan Barang dan Jasa oleh -
Rumah Tangga yang Digunakan untuk Memenuhi Kebutuhan Sendiri
Household Activities as Employer; Activities which Generate Products or Services
by Household, Use for Fulfilling Self-Needs
21 Aktivitas Badan Internasional dan Badan Ekstra Internasional Lainnya / International agency and -
other suprastate institution Activity
22 Rumah Tangga / Household Activities 33.343
23 Bukan lapangan usaha / Non-business sector -
24 Lainnya / Others -
Total 33.343
262 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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Operational Aspects Corporate Governance Sustainability Report Financial Statements
(dalam jutaan rupiah / in million rupiah)
Kredit untuk
Tagihan Kepada
Pengadaan
Usaha
Kredit Beragunan Tanah,
Mikro, Usaha Tagihan yang
Properti Pengolahan Kredit Pegawai/ Tagihan kepada
Kecil, dan Telah Jatuh
Komersial Tanah, dan Pensiunan Korporasi Aset Lainnya
Portofolio Ritel Tempo
Loans Secured by Konstruksi Employee/ Receivables to Other Assets
Receivables on Past Due
Commercial Credit for Land Pension Loans Corporate
Micro, Small Receivables
Property Acquisition, Soil
Business, and
Processing, and
Retail Portfolio
Construction
(k) (l) (m) (n) (o) (p) (q)
- - - 9.121 869.560 810 -
- - - 939 1.092.995 - -
- - - 12.439 13.262.441 10.693 -
- - - - 524.114 - -
- - - 88 - - -
168.242 629.825 - - - 2.964 -
- - - 69.298 3.694.421 52.028 -
- - - 3.340 811.175 - -
- - - 7.402 1.002.146 - -
- - - 661 355.991 - -
- - - 1.629 3.895.987 (8) -
3.591.664 - - - 2.536 6.375 -
- - - 3.234 307.089 2.984 -
- - - 5.122 697.063 2.375 -
- - - - - - -
- - - - 149.550 - -
- - - 29 216.141 - -
- - - 296 - - -
- - - 6.157 335.070 - -
- - - - - - -
- - - - - - -
- - 39.043 1.194.197 185.930 17.673 -
- - - - - - -
- - - - 2.522.977 - 2.058.235
3.759.906 629.825 39.043 1.313.952 29.925.186 95.894 2.058.235
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 263
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Ikhtisar Utama 2023 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen
Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
9. Tabel CRB.3 Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi
Tabel CRB.3Disclosure of Net Receivables by Economic Sector
Tagihan kepada
Sektor Ekonomi Pemerintah
No.
Economic Sector Receivable to the
Government
(1) (2) (3)
31 Desember 2022 / 31 December 2022
1 Pertanian, perburuan, dan kehutanan / Agriculture, foundery, and forestry -
2 Pertambangan dan penggalian / Mining and exploration -
3 Industri pengolahan / Manufacturing -
4 Pengadaan Listrik, Gas, Uap/Air Panas, dan Udara Dingin/ Procurement of Electricity, Gas, Steam/Hot -
Water, and Chilled Air
5 Pengelolaan Air, Pengelolaan Air Limbah, Pengelolaan dan Daur Ulang Sampah / Water -
Management, Wastewater Management, Waste Management and Recycling
6 Konstruksi / Construction -
7 Perdagangan Besar dan Eceran; Reparasi dan Perawatan Mobil / -
Wholesale and Retail Trade; Car Repair and Maintenance
8 Pengangkutan dan Pergudangan / Transportation and Warehousing -
9 Penyediaan akomodasi dan penyediaan makan minum / Accommodation food and beverage -
10 Informasi dan Komunikasi / Information and Communication -
11 Aktivitas Keuangan dan Asuransi / Financial and Insurance Activities -
12 Real Estate / Real Estate -
13 Aktivitas Profesi, Ilmiah, dan Teknis / Professional, Scientific, and Technical Activities -
14 Aktivitas Penyewaan dan Sewa Guna Usaha Tanpa Hak Opsi, Ketenagakerjaan, Agen Perjalanan, dan -
Penunjang Usaha Lainnya / Leasing and Rental Activities Without Option Rights, Employment, Travel
Agents, and Other Business Support
15 Administrasi pemerintahan, pertahanan, dan jaminan sosial wajib / Public administration, defense, 9.040.914
and mandatory social insurance
16 Jasa pendidikan / Education service -
17 Aktivitas Kesehatan Manusia dan Aktivitas Sosial / Healthcare and social activity -
18 Kesenian, Hiburan, dan Rekreasi / Arts, Entertainment, and Recreation -
19 Aktivitas Jasa Lainnya / Other Service Activities -
20 Aktivitas Rumah Tangga Sebagai Pemberi Kerja / Household Activities as Employer -
21 Aktivitas Badan Internasional dan Badan Ekstra Internasional Lainnya / International agency and -
other suprastate institution Activity
22 Bukan lapangan usaha / Non-business sector -
23 Lainnya / Others -
Total 9.040.914
264 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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Operational Aspects Corporate Governance Sustainability Report Financial Statements
(dalam jutaan rupiah / in million rupiah)
Tagihan kepada
Bank Pembangunan
Multilateral dan
Tagihan kepada Entitas Kredit Beragunan Kredit Beragunan
Lembaga Internasional
Sektor Publik Tagihan kepada Bank Rumah Tinggal Properti Komersial
Receivables
Receivables on Public Receivables to Banks Loans Secured by Loans Secured by
on Multilateral
Sector Entities Residential Property Commercial Property
Development Banks
and International
Institution
(4) (5) (6) (7) (8)
- - - - -
- - - - -
557.378 - - - -
400.480 - - - -
- - - - -
- - - - -
283.787 - - - 509.873
106.411 - - - -
589.432 - - - -
- - - - -
154.258 - 1.175.684 - -
- - 291.808 - -
- - - - 4.276.656
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - 23.683 -
- - - - -
2.091.746 - 1.467.492 23.683 4.786.529
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 265
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Ikhtisar Utama 2023 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen
Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
9. Tabel CRB.3 Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi - lanjutan
Tabel CRB.3Disclosure of Net Receivables by Economic Sector - continued
Kredit Pegawai/
Sektor Ekonomi Pensiunan
No.
Economic Sector Employee/ Pension
Loans
(1) (2) (9)
31 Desember 2022 / 31 December 2022
1 Pertanian, perburuan, dan kehutanan / Agriculture, foundery, and forestry -
2 Pertambangan dan penggalian / Mining and exploration -
3 Industri pengolahan / Manufacturing -
4 Pengadaan Listrik, Gas, Uap/Air Panas, dan Udara Dingin / Procurement of Electricity, Gas, Steam/Hot -
Water, and Chilled Air
5 Pengelolaan Air, Pengelolaan Air Limbah, Pengelolaan dan Daur Ulang Sampah / Water -
Management, Wastewater Management, Waste Management and Recycling
6 Konstruksi / Construction -
7 Perdagangan Besar dan Eceran; Reparasi dan Perawatan Mobil -
/ Wholesale and Retail Trade; Car Repair and Maintenance
8 Pengangkutan dan Pergudangan / Transportation and Warehousing -
9 Penyediaan akomodasi dan penyediaan makan minum / Accommodation food and beverage -
10 Informasi dan Komunikasi / Information and Communication -
11 Aktivitas Keuangan dan Asuransi / Financial and Insurance Activities -
12 Real Estate / Real Estate -
13 Aktivitas Profesi, Ilmiah, dan Teknis / Professional, Scientific, and Technical Activities -
14 Aktivitas Penyewaan dan Sewa Guna Usaha Tanpa Hak Opsi, Ketenagakerjaan, Agen Perjalanan, dan -
Penunjang Usaha Lainnya / Leasing and Rental Activities Without Option Rights, Employment, Travel
Agents, and Other Business Support
15 Administrasi pemerintahan, pertahanan, dan jaminan sosial wajib / Public administration, defense, -
and mandatory social insurance
16 Jasa pendidikan / Education service -
17 Aktivitas Kesehatan Manusia dan Aktivitas Sosial / Healthcare and social activity -
18 Kesenian, Hiburan, dan Rekreasi / Arts, Entertainment, and Recreation -
19 Aktivitas Jasa Lainnya / Other Service Activities -
20 Aktivitas Rumah Tangga Sebagai Pemberi Kerja / -
Household Activities as Employer
21 Aktivitas Badan Internasional dan Badan Ekstra Internasional Lainnya / International agency and -
other suprastate institution Activity
22 Bukan lapangan usaha / Non-business sector -
23 Lainnya / Others -
Total -
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Operational Aspects Corporate Governance Sustainability Report Financial Statements
(dalam jutaan rupiah / in million rupiah)
Tagihan Kepada Usaha
Eksposur di Unit
Mikro, Usaha Kecil, dan Tagihan kepada
Tagihan yang Telah Usaha Syariah
Portofolio Ritel Korporasi Aset Lainnya
Jatuh Tempo (apabila ada)
Receivables on Micro, Receivables to Other Assets
Past Due Receivables Exposure in Sharia
Small Business, and Corporate
Business Unit (if any)
Retail Portfolio
(10) (11) (12) (13) (14)
499 775.261 1.712 - -
- 878.657 - - -
14.997 16.720.037 52.956 - -
- 791.694 - - -
- - - - -
- 6.996 - - -
823 480.686 30.387 - -
39.970 4.305.671 80.626 - -
3.230 1.061.803 - - -
5.343 1.088.984 55.536 - -
737 716.997 - - -
860 3.560.453 1.699 - -
- 4.445 9.000 - -
651 562.288 6.314 - -
5.955 1.231.239 5.958 - -
366 - - - -
- 205.748 - - -
- 218.011 - - -
2.889 466.216 1.280 - -
- - - - -
- - - - -
848.685 310.716 54.472 - -
- 1.168.374 - 1.766.932 -
925.005 34.554.277 299.940 1.766.932 -
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 267
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
10. Tabel CRB.4 Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah - Konvensional
Table CRB.4 Disclosure of Receivables and Provisioning based on Area - Konventional
31 Desember 2023 / 31 December 2023
No. Keterangan Jawa Sulawesi dan Bali
Sumatera
Java Sulawesi and Bali
(1) (2) (3) (4) (5)
1 Tagihan / Receivables 43.009.884 1.659.991 1.817.222
2 Tagihan yang mengalami penurunan nilai (impaired) / - - -
Impaired recevaibles
a. Belum jatuh tempo / Non-past due 370.063 21 5.903
b. Telah jatuh tempo / Past due 189.736 38.733 20.722
3 Cadangan kerugian penurunan nilai (CKPN) - Stage 1 / 250.378 10.485 12.776
Stage 1 allowance for impairment losses
4 Cadangan kerugian penurunan nilai (CKPN) - Stage 2 / 551.557 2.781 813
Stage 2 allowance for impairment losses
5 Cadangan kerugian penurunan nilai (CKPN) - Stage 3 / 130.076 33.899 14.385
Stage 3 allowance for impairment losses
6 Tagihan yang dihapus buku / Written-off receivables 76.981 - 173
268 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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Operational Aspects Corporate Governance Sustainability Report Financial Statements
(dalam jutaan rupiah / in million rupiah)
31 December 2022 / 31 December 2022
Jawa Sulawesi dan Bali
Sumatera
Java Sulawesi and Bali
(6) (7) (8)
42.580.475 368.402 408.619
1.110.280 10.987 16.277
244.435 28.072 27.431
473.762 2.297 2.575
407.825 244 1.341
129.286 15.008 13.063
108.036 81 23
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 269
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
11. Tabel CRB.5. Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi
Table CRB.5. Disclosure of Receivables and Provisioning based on Economic Sectors
Tagihan yang mengalami Penurunan Nilai
Sektor Ekonomi Tagihan Impaired Receivables
No.
Economic Sector Receivables
Bukan Jatuh Tempo Telah Jatuh Tempo
Non-Past Due Past Due
(1) (2) (3) (4) (5)
31 Desember 2023 / 31 December 2023
1 Pertanian, perburuan, dan kehutanan / Agriculture, 883.702 - 1.712
foundery, and forestry
2 Pertambangan dan penggalian / Mining and 1.099.234 - -
exploration
3 Industri pengolahan / Manufacturing 14.227.672 336.163 54.166
4 Pengadaan Listrik, Gas, Uap/Air Panas, dan Udara 1.182.565 - -
Dingin/ Procurement of Electricity, Gas, Steam/Hot
Water, and Chilled Air
5 Pengelolaan Air, Pengelolaan Air Limbah, Pengelolaan 88 - -
dan Daur Ulang Sampah / Water Management,
Wastewater Management, Waste Management and
Recycling
6 Konstruksi / Construction 1.095.680 3.774 6.277
7 Perdagangan Besar dan Eceran; Reparasi dan 3.902.073 2.874 98.623
Perawatan Mobil / Wholesale and Retail Trade; Car
Repair and Maintenance
8 Pengangkutan dan Pergudangan / Transportation and 1.506.702 26.160 -
Warehousing
9 Penyediaan akomodasi dan penyediaan makan 1.060.134 - -
minum / Accommodation food and beverage
10 Informasi dan Komunikasi / Information and 357.917 - -
Communication
11 Aktivitas Keuangan dan Asuransi / Financial and 12.802.862 - 1.703
Insurance Activities
12 Real Estate / Real Estate 3.736.858 4.995 15.765
13 Aktivitas Profesi, Ilmiah, dan Teknis / Professional, 318.389 - 6.320
Scientific, and Technical Activities
14 Aktivitas Penyewaan dan Sewa Guna Usaha Tanpa 710.755 - 5.024
Hak Opsi, Ketenagakerjaan, Agen Perjalanan, dan
Penunjang Usaha Lainnya / Leasing and Rental
Activities Without Option Rights, Employment, Travel
Agents, and Other Business Support
15 Administrasi pemerintahan, pertahanan, dan jaminan 851.363 - -
sosial wajib / Public administration, defense, and
mandatory social insurance
16 Pendidikan / Education 150.006 - -
17 Aktivitas Keseharan Manusia dan Aktivitas Sosial / 216.494 - -
Healthcare and social activity
18 Kesenian, Hiburan, dan Rekreasi / Arts, Entertainment, 298 - -
and Recreation
19 Aktivitas Jasa Lainnya / Other Service Activities 343.824 - 1.280
20 Aktivitas Rumah Tangga sebagai Pemberi Kerja / - - -
Household Activities as Employers
21 Aktivitas Badan Internasional dan Badan Ekstra - - -
Internasional Lainnya / International agency and other
suprastate institution Activity
22 Rumah Tangga / Household Activities 1.518.638 2.021 58.321
23 Bukan lapangan usaha / Non-business sector - - -
24 Lainnya / Others 521.843 - -
Total 46.487.097 375.987 249.191
270 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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Aspek Operasional Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Operational Aspects Corporate Governance Sustainability Report Financial Statements
(dalam jutaan rupiah / in million rupiah)
Cadangan kerugian Cadangan kerugian Cadangan kerugian
penurunan nilai (CKPN) penurunan nilai (CKPN) penurunan nilai (CKPN)
Individual Allowance for Collective Allowance for Collective Allowance for Tagihan yang Dihapus Buku
Impairment Losses Impairment Losses Impairment Losses Write-off Receivables
Stage 1 Stage 2 Stage 3
(6) (7) (8)
7.466 520 902 -
7.851 - - -
82.258 305.917 43.471 -
7.746 - - -
- - - -
8.666 82.272 5.302 -
28.303 19.628 48.333 -
9.605 - 17.380 -
34.060 20.991 - -
2.319 4 - -
32.977 - 1.712 -
21.864 118.467 12.080 -
2.020 - 3.336 -
4.566 423 2.649 -
- - - -
974 - - -
1.409 - - -
2 - - -
2.205 356 1.280 -
- - - -
- - - -
9.570 6.573 41.915 -
- - - -
9.778 - - 77.154
273.639 555.151 178.360 77.154
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 271
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
11. Tabel CRB.5. Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi
Table CRB.5. Disclosure of Receivables and Provisioning based on Economic Sectors
Tagihan yang mengalami Penurunan Nilai
Sektor Ekonomi Tagihan Impaired Receivables
No.
Economic Sector Receivables
Bukan Jatuh Tempo Telah Jatuh Tempo
Non-Past Due Past Due
(1) (2) (3) (4) (5)
31 Desember 2022 / 31 December 2022
1 Pertanian, perburuan, dan kehutanan / Agriculture, 673.434 4.577 1.712
foundery, and forestry
2 Pertambangan dan penggalian / Mining and 873.465 - -
exploration
3 Industri pengolahan / Manufacturing 13.732.239 659.190 52.956
4 Pengadaan Listrik, Gas, Uap/Air Panas, dan Udara 2.082.216 - -
Dingin/ Procurement of Electricity, Gas, Steam/Hot
Water, and Chilled Air
5 Pengelolaan Air, Pengelolaan Air Limbah, Pengelolaan 4.632 - -
dan Daur Ulang Sampah / Water Management,
Wastewater Management, Waste Management and
Recycling
6 Konstruksi / Construction 1.150.224 288.360 30.387
7 Perdagangan Besar dan Eceran; Reparasi dan 3.255.183 61.054 80.626
Perawatan Mobil / Wholesale and Retail Trade; Car
Repair and Maintenance
8 Pengangkutan dan Pergudangan / Transportation and 1.513.908 867 -
Warehousing
9 Penyediaan akomodasi dan penyediaan makan 1.113.707 70.549 55.536
minum / Accommodation food and beverage
10 Informasi dan Komunikasi / Information and 288.705 - -
Communication
11 Aktivitas Keuangan dan Asuransi / Financial and 10.984.354 - 1.699
Insurance Activities
12 Real Estate / Real Estate 4.036.798 4.445 9.000
13 Aktivitas Profesi, Ilmiah, dan Teknis / Professional, 522.955 - 6.314
Scientific, and Technical Activities
14 Aktivitas Penyewaan dan Sewa Guna Usaha Tanpa 1.221.860 4.218 5.958
Hak Opsi, Ketenagakerjaan, Agen Perjalanan, dan
Penunjang Usaha Lainnya / Leasing and Rental
Activities Without Option Rights, Employment, Travel
Agents, and Other Business Support
15 Administrasi pemerintahan, pertahanan, dan jaminan 5.407.355 - -
sosial wajib / Public administration, defense, and
mandatory social insurance
16 Jasa Pendidikan / Education 200.369 - -
17 Aktivitas Kesehatan Manusia dan Aktivitas Sosial / 164.142 - -
Healthcare and social activity
18 Kesenian, Hiburan, dan Rekreasi / Arts, Entertainment, 366 - -
and Recreation
19 Aktivitas Jasa Lainnya / Other Service Activities 459.605 - 1.280
20 Aktivitas Rumah Tangga sebagai Pemberi Kerja / - - -
Household Activities as Employers
21 Aktivitas Badan Internasional dan Badan Ekstra - - -
Internasional Lainnya / International agency and other
suprastate institution Activity
23 Bukan lapangan usaha / Non-business sector 1.220.129 44.284 54.471
24 Lainnya / Others 463.859 - -
Total 49.369.505 1.137.544 299.939
272 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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Operational Aspects Corporate Governance Sustainability Report Financial Statements
(dalam jutaan rupiah / in million rupiah)
Cadangan kerugian Cadangan kerugian Cadangan kerugian
penurunan nilai (CKPN) penurunan nilai (CKPN) penurunan nilai (CKPN)
Individual Allowance for Collective Allowance for Collective Allowance for Tagihan yang Dihapus Buku
Impairment Losses Impairment Losses Impairment Losses Write-off Receivables
Stage 1 Stage 2 Stage 3
(6) (7) (8)
5.794 637 795 -
6.056 - - -
121.703 300.528 33.791 -
6.177 - - -
29 - - -
26.535 66.979 15.074 -
32.922 9.986 33.678 -
28.828 121 - -
35.262 23.357 23.925 -
1.779 - - -
38.170 - 1.712 -
149.518 2.336 4.939 -
3.505 - 2.584 -
7.469 592 2.769 -
- - - -
1.237 - - -
1.014 - - -
2 - - -
3.318 - 1.280 -
- - - -
- - - -
7.636 4.876 36.808 -
- - - 108.140
476.954 409.412 157.355 108.140
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
12. Tabel CRB.6 Pengungkapan Tagihan Berdasarkan Hari Tunggakan
Disclosure of Receivables by Due Date
(dalam jutaan rupiah / in million rupiah)
Tagihan Berdasarkan Hari Tunggakan
Jenis Eksposur Receivables by Due Date
No
Exposure Class >90 hari s.d 120 hari >120 hari s.d 180 hari >180 hari
Total
> 90 days to 120 days > 120 days to 180 days > 180 days
31 Desember 2023 / 31 December 2023
1 Kredit yang termasuk dalam Tagihan 18.759 9.346 221.086 249.191
yang Telah Jatuh Tempo
Credit include to Past Due
Receivables
2 Surat Berharga yang Termasuk - - - -
dalam Tagihan yang Telah Jatuh
Tempo
Securities include to Past Due
Receivables
Total 18.759 9.346 221.086 249.191
13. Risiko Kredit - Pengungkapan Aset Performing & Non Performing (CRB-A1)
Market Risk - Discosure of Performing and Non Performing Asset
Performing
(Kualitas L dan DPK)
Performing
(Current and Special
Mention Quality)
CKPN
Nilai Tercatat Bruto
Allowance
Gross
for impairment
Carrying Value
losses
a b
Periode 31 Desember 2023 / 31 December 2023
1 Surat Berharga / Securities 6.199.485 10.393
2 Kredit / Credit 34.035.036 806.314
a. Korporasi / Corporate 30.839.805 761.818
b. Ritel / Retail 3.195.232 44.496
3 Transaksi Rekening Administratif 3.764.360 9.959
Other Off- Balance Sheet
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Operational Aspects Corporate Governance Sustainability Report Financial Statements
(dalam jutaan rupiah / in million rupiah)
Non Performing
(Kualitas KL, D, M)
Non Performing
(Substandard, Doubtful, and Loss Quality)
Tagihan yang Tidak Mengalami
Tagihan yang Mengalami Penurunan Nilai
Penurunan Nilai Unimpaired Loss Receivables
Impaired Memiliki Memiliki
Loss Receivables Tunggakan > 90 Hari Tunggakan ≤ 90 Hari
Due date > 90 days Due date ≤ 90 days
CKPN
CKPN Nilai Tercatat Bruto CKPN
Nilai Tercatat Bruto Allowance Nilai Tercatat Bruto
Allowance Gross Allowance
Gross Carrying Value for impairment Gross Carrying Value
for impairment losses Carrying Value for impairment losses
losses
c d e f g h
- - - - - -
289.014 178.360 - - - -
160.640 95.569 - - - -
128.374 82.791 - - - -
- - - - - -
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Ikhtisar Utama 2023 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen
Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
14. Risiko Kredit - Pengungkapan Aset Restrukturisasi Performing & Non Performing (CRB-A2)
Market Risk - Disclosure of Performing and Non Performing Asset
Performing
(Kualitas L dan DPK)
Performing
(Current and Special
Mention Quality)
CKPN
Nilai Tercatat Bruto
Allowance
Gross
for
Carrying
impairment
Value
losses
a b
Periode 31 Desember 2023 / 31 December 2023
1 Surat Berharga / Securities - -
2 Kredit / Credit
a. Korporasi / Corporate 2.552.748 545.045
b. Ritel / Retail 140.118 13.481
3 Transaksi Rekening Administratif 1.594 5
Other Off- Balance Sheet
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Operational Aspects Corporate Governance Sustainability Report Financial Statements
(dalam jutaan rupiah / in million rupiah)
Non Performing
(Kualitas KL, D, M)
Non Performing Stage 1 Stage 2 Stage 3
(Substandard, Doubtful, and Loss
Quality)
CKPN
Nilai Tercatat CKPN Nilai Tercatat CKPN Nilai Tercatat CKPN Nilai Tercatat
Allowance
Bruto Allowance Bruto Allowance Bruto Allowance Bruto
for
Gross for Gross for Gross for Gross
impairment
Carrying impairment Carrying impairment Carrying impairment Gross Carrying
losses
Value losses Value losses Value losses Value
c d e f g h i j
- - - - - - - -
131.771 68.129 1.200.848 7.787 1.351.900 537.258 131.771 68.129
55.064 32.134 85.533 4.319 54.585 9.162 55.064 32.134
- - - - 1.594 5 - -
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
15. CRD: MARKET RISK
CRD: MARKET RISK
Untuk Tahun 2023, Bank menggunakan peringkat eksternal dari PT Fitch Ratings Indonesia sebagai
Lembaga Pemeringkat eksternal.
For the year 2023, the Bank uses external ratings obtained from PT Fitch Ratings Indonesia as external
Rating Agencies.
16. Pengungkapan Kuantitatif terkait Teknik MRK (CR3)
Disclosure of Quantitative Related to Credit Risk Mitigation Techniques
Tagihan yang Tidak Dijamin
No dengan Teknik MRK
Unsecured Receivables
a
31 Desember 2023 / 31 December 2023
1 Kredit / Credit 30.910.931
2 Surat Berharga / Securities 6.189.092
3 Total 37.100.023
4 Kredit dan Surat Berharga yang Telah Jatuh Tempo 95.894
Past Due Credit and Securities
17. Pengungkapan Tambahan
Additional Disclosures
Bank menerapkan Teknik MRK agunan dengan The Bank applies the collateral MRK technique with
pendekatan sederhana (simple approach) pada a simple approach to loan and securities exposures.
eksposur kredit dan surat berharga.
Seluruh tagihan yang dijamin dengan teknik MRK All receivables secured by the MRK technique are
berasal dari kredit yang diberikan kepada nasabah. derived from loans granted to customers.
Tidak terdapat perubahan yang signifikan pada There is no significant change in the exposure of
eksposur posisi aset dalam laporan keuangan. asset position in the financial statements.
278 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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(dalam jutaan rupiah / in million rupiah)
Tagihan yang Dijamin
Tagihan yang Dijamin dengan Garansi,
Tagihan yang Dijamin Tagihan yang Dijamin
dengan Teknik MRK Penjaminan, dan/atau
dengan Agunan dengan Derivaif Kredit
Secured Receivables by Asuransi Kredit
Secured Receivables by Secured Receivables by
Credit Risk Mitigation Secured Receivables
Collateral Credit Derivatives
Techniques by Warranty, Guarantee, and/
or Credit Insurance
b c d e
2.428.446 2.428.446
2.428.446 2.428.446 -
- -
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
18. Pengungkapan Eksposur Risiko dan Dampak Teknik MRK (CR4)
Disclosure of Credit Risk Exposure and Credit Risk Mitigation Techniques Impact
Tagihan Bersih Sebelum Penerapan FKK
dan Teknik MRK
Net Receivable before Credit Conversion
Kategori Portofolio Factor and Credit Risk Mitigation Techniques
Portfolio Category
Laporan Posisi
TRA
Keuangan
Off Balance Sheet
Balance Sheet
31 Desember 2023 / 31 December 2023 a b
1 Tagihan kepada Pemerintah / Receivables on Sovereigns 7.967.807 -
a. Tagihan Kepada Pemerintah Indonesia / Receivables on the Government of 7.967.807
Indonesia
b. Tagihan Kepada Pemerintah Negara Lain / Receivables on Governments of Other -
Countries
2 Tagihan kepada Entitas Sektor Publik / Publik Receivables on Public Sector Entities 2.348.310 247.620
3 Tagihan kepada Bank Pembangunan Multilateral dan Lembaga Internasional / -
Receivables on Multilateral Development Banks and International Institutions
4 Tagihan Kepada Bank / Receivables on Bank 1.436.448 4.000
a. Tagihan Jangka Pendek / Short Term Receivables 395.591
b. Tagihan Jangka Panjang / Long Term Receivables 1.040.857 4.000
5 Tagihan berupa Covered Bond / Receivables by Covered Bond -
6 Tagihan kepada Korporasi - Eksposur Korporasi Umum 27.615.509 8.284.162
Receivables to Corporates - General Corporates Exposure
Tagihan kepada Perusahaan Efek dan Lembaga Jasa Keuangan Lainnya 152.011
Receivables to Securities Companies and Other Financial Services Institutions -
a. Tagihan Jangka Pendek / Short Term Receivables -
b. Tagihan Jangka Panjang / Long Term Receivables 152.011
Eksposur Pembiayaan Khusus / Special Financing Exposure
7 Tagihan berupa Surat Berharga/Piutang Subordinasi, Ekuitas, dan Instrumen 106.519
Modal Lainnya -
Receivables in the Form of Subordinated Securities, Equity, and Other Capital
Instruments
a. Surat berharga/piutang subordinasi / Securities/subordinated debt
b. Instrumen ekuitas / Equity instruments 106.519
c. Instrumen modal lainnya / Other capital instruments
d. Penyertaan dalam rangka program nasional / Participation in the framework of
national programs
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on 1.322.340 52.367
Micro, Small Business & Retail Portfolio
9 Kredit Beragun Properti Komersial / Loans Secured by Commercial Real Estate
Kredit Beragun Properti Rumah Tinggal yang Pembayarannya tidak Bergantung
secara material pada arus kas properti / Loans Secured by Residential Property 73.182
which is Materially Dependent on Property Cash Flow
Kredit Beragun Properti Rumah Tinggal yang Pembayarannya Bergantung secara
material pada arus kas properti
Loans Secured by Residential Property which is Materially Dependent on Property
Cash Flow
Kredit Beragun Properti Komersial yang Pembayarannya tidak Bergantung secara 3.786.385 243.337
material pada arus kas properti
Loans Secured by Commercial Real Estate which is Not Materially Dependent on
Property Cash Flow
Kredit Beragun Properti Komersial yang Pembayarannya Bergantung secara
material pada arus kas properti
Loans Secured by Commercial Real Estate which is Materially Dependent on
Property Cash Flow
Kredit untuk Pengadaan Tanah, Pengolahan Tanah, dan Konstruksi 633.876 103.798
Credit for Land Acquisition, Soil Processing, and Construction
10 Tagihan yang Telah Jatuh Tempo / Past Due Receivables 95.894 -
a. Kredit Beragun Rumah Tinggal yang tidak bergantung dari arus kas properti 1.108
Loans Secured by Residential Property which is Not Materially Dependent on
Property Cash Flow
b. Eksposur lainnya / Other Exposures 94.786
11 Aset Lainnya / Other Assets 1.677.039 -
a. Uang Tunai, Emas dan Commemorative Coin
Cash, Gold and Commemorative Coin 166.958
b. Aset tetap dan inventaris Neto / Net fixed assets and inventory 362.093
c. Aset Yang Diambil Alih (AYDA) / Repossessed Assets (AYDA) 467.564
d. Antar Kantor Neto / Net inter-office -
e. Lainnya / Others 680.425
Total 47.215.319 8.935.284
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(dalam jutaan rupiah / in million rupiah)
Tagihan Bersih Setelah Penerapan FKK dan Teknik MRK
ATMR dan Rata-Rata Bobot Risiko
Net Receivable after Credit Conversion Factor and Credit Risk
RWA and Risk Weight Average
Mitigation Techniques
Laporan Posisi Keuangan TRA ATMR Rata-Rata Bobot Risiko
Balance Sheet Off Balance Sheet RWA Risk Weight Average
c d e f = e/ (c+d)
7.967.807 - - 0%
7.967.807 - 0%
- - -
2.348.310 99.048 979.559 40%
- - -
1.436.448 400 423.802 29%
395.591 79.118 20%
1.040.857 400 344.683 33%
- -
25.705.805 2.274.171 27.488.054 98%
152.011 - 30.402 20%
-
152.011 30.402 20%
-
106.519 - 266.296 250%
-
106.519 266.296 250%
-
-
1.310.242 5.237 986.609 75%
-
73.182 32.798 45%
-
3.275.748 26.826 3.270.216 99%
-
633.876 18.070 967.094 148%
95.894 - 65.272 68%
1.108 1.108 100%
94.786 64.164 68%
1.677.039 1.743.863 104%
166.958 - 0%
362.093 362.093 100%
467.564 701.345 150%
- - -
680.425 680.425 100%
44.782.880 2.423.752 36.253.965 77%
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 281
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
19. Pengungkapan Eksposur berdasarkan Kelas Aset dan Bobot Risiko (CR5)
Disclosure of Exposure Based On Asset Class and Weight Risk
31 Desember 2023 / 31 December 2023
Kategori Portofolio
0% 20%
Portfolio Category+A4:V5
1 Tagihan Kepada Pemerintah 7.967.807
Receivables on Sovereigns
Kategori Portofolio
20% 50% 100%
Portfolio Category
2 Tagihan Kepada Entitas Sektor Publik 813.733 1.633.625
Receivables on Public Sector Entities
Kategori Portofolio
0% 20% 30% 50%
Portfolio Category
3 Tagihan Kepada Bank Pembangunan Multilateral
dan Lembaga Internasional
Receivables on Multilateral Development Banks
and International Institutions
Kategori Portofolio
20% 30% 40% 50%
Portfolio Category
4 Tagihan Kepada Bank 754.688 682.160
Receivables on Banks
Tagihan kepada Perusahaan Efek dan Lembaga 152.011
Jasa Keuangan Lainnya
Receivables to Securities Companies and Other
Financial Services Institutions
Kategori Portofolio
10% 15% 20% 25%
Portfolio Category
5 Tagihan berupa Covered Bond
Receivables by Covered Bond
Kategori Portofolio
20% 50% 65% 75% 80%
Portfolio Category
6 Tagihan kepada Korporasi Umum 356.360
Receivables General Corporate Exposure
Tagihan kepada Perusahaan Efek dan Lembaga
Jasa Keuangan Lainnya
Receivables to Securities Companies and Other
Financial Services Institutions
Eksposur Pembiayaan Khusus
Special Financing Exposure
Kategori Portofolio
75% 100% 150%
Portfolio Category
7 Tagihan berupa Surat Berharga/Piutang
Subordinasi, Ekuitas, dan Instrumen Modal
Lainnya
Receivables in the Form of Subordinated
Securities, Equity, and Other Capital Instruments
Kategori Portofolio
45% 75% 85%
Portfolio Category
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan 1.327.577
Portofolio Ritel
Receivables on Micro, Small Business & Retail
Portfolio
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(dalam jutaan rupiah / in million rupiah)
Tagihan Bersih Setelah FKK dan Teknik MRK
Lainnya
50% 100% 150% Net Receivable after Credit Conversion Factor and
Others
Credit Risk Mitigation Techniques
7.967.807
Tagihan Bersih Setelah FKK dan Teknik MRK
Lainnya
150% Net Receivable after Credit Conversion Factor and
Others
Credit Risk Mitigation Techniques
2.447.358
Tagihan Bersih Setelah FKK dan Teknik MRK
Lainnya
100% 150% Net Receivable after Credit Conversion Factor and
Others
Credit Risk Mitigation Techniques
-
Tagihan Bersih Setelah FKK dan Teknik MRK
Lainnya
75% 100% 150% Net Receivable after Credit Conversion Factor and
Others
Credit Risk Mitigation Techniques
1.436.848
152.011
Tagihan Bersih Setelah FKK dan Teknik MRK
Lainnya
35% 50% 100% Net Receivable after Credit Conversion Factor and
Others
Credit Risk Mitigation Techniques
-
Tagihan Bersih Setelah FKK dan Teknik MRK
Lainnya
85% 100% 130% 150% Net Receivable after Credit Conversion Factor and
Others
Credit Risk Mitigation Techniques
1.473.197 28.060.124 27.979.976
-
-
Tagihan Bersih Setelah FKK dan Teknik MRK
Lainnya
250% 400% Net Receivable after Credit Conversion Factor and
Others
Credit Risk Mitigation Techniques
106.519 106.519
Tagihan Bersih Setelah FKK dan Teknik MRK
Lainnya
100% Net Receivable after Credit Conversion Factor and
Others
Credit Risk Mitigation Techniques
1.315.479
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Kategori Portofolio
0% 20% 25% 30% 35% 40% 45% 50%
Portfolio Category
9 Kredit Beragun Properti
Loans Secured by Property
Kredit Beragun Properti Rumah Tinggal yang 7.506 7.708 57.968
Pembayarannya tidak bergantung secara
material pada arus kas properti
Loans Secured by Residential Property which is
Not Materially Dependent on Property Cash Flow
Tanpa pendekatan pembagian kredit
No loan sharing approach
Dengan menggunakan pendekatan pembagian
kredit (dijamin)
Using the loan sharing approach (guaranteed)
Dengan menggunakan pendekatan pembagian
kredit (dijamin)
Using the loan sharing approach (guaranteed)
Kredit Beragun Properti Rumah Tinggal yang
Pembayarannya bergantung secara material
pada arus kas properti
Loans Secured by Commercial Real Estate which
is Not Materially Dependent on Property Cash
Flow
Kredit Beragun Properti Komersial yang
Pembayarannya tidak bergantung secara
material pada arus kas properti
Loans Secured by Residential Property which is
Materially Dependent on Property Cash Flow
Tanpa pendekatan pembagian kredit
No loan sharing approach
Dengan menggunakan pendekatan pembagian
kredit (dijamin)
Using the loan sharing approach (guaranteed)
Dengan menggunakan pendekatan pembagian
kredit (dijamin)
Using the loan sharing approach (guaranteed)
Kredit Beragun Properti Komersial yang
Pembayarannya bergantung secara material
pada arus kas properti
Loans Secured by Commercial Real Estate which
is Materially Dependent on Property Cash Flow
Kredit untuk Pengadaan Tanah, Pengolahan
Tanah, dan Konstruksi
Credit for Land Acquisition, Soil Processing, and
Construction
Kategori Portofolio
50% 100%
Portfolio Category+A4:V5
10 Tagihan yang Telah Jatuh Tempo 61.244 34.650
Past Due Receivables
Kategori Portofolio
0% 20% 100%
Portfolio Category+A4:V5
11 Aset Lainnya 1.677.039
Other Assets
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Tagihan Bersih Setelah FKK
dan Teknik MRK
60% 65% 70% 75% 85% 90% 100% 105% 110% 150% Net Receivable after Credit
Conversion Factor and Credit
Risk Mitigation Techniques
73.182
124.398 18.974 3.669.839 3.302.574
651.946 651.946
Tagihan Bersih Setelah FKK dan Teknik MRK
Lainnya
150% Net Receivable after Credit Conversion Factor and
Others
Credit Risk Mitigation Techniques
95.894
Tagihan Bersih Setelah FKK dan Teknik MRK
Lainnya
150% 1.250% Net Receivable after Credit Conversion Factor and
Others
Credit Risk Mitigation Techniques
1.677.039
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Ikhtisar Utama 2023 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen
Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
20. Risiko Kredit - Pengungkapan Eksposur berdasarkan Kelas Aset dan Bobot Risiko (CR5)
Disclosure of Exposure Based On Asset Class and Weight Risk
31 Desember 2023 / 31 December 2023
Bobot Risiko Tagihan Bersih Laporan Keuangan
No
Weighted Risk On Balance Sheet Net Receivable
1 <40% 10.226.772
2 40%-70% 2.335.549
3 75% 1.446.738
4 85% 1.492.171
5 90%-100% 30.506.130
6 105%-130%
7 150% 1.101.441
8 250% 106.519
9 400%
10 1250%
11 Total Tagihan Bersih / Total Net Receivable 47.215.319
21. Pengungkapan Risiko Pasar dengan Menggunakan Metode Standar
Disclosure of Market Risk Using Standardized Approach
(dalam jutaan rupiah / in million rupiah)
31-Dec-23 31-Dec-22
Jenis Risiko Bank Bank
No.
Type of Risk
Beban Modal ATMR Beban Modal ATMR
Capital Charge RWA Capital Charge RWA
(1) (2) (3) (4) (3) (4)
1 Risiko Suku Bunga
Interest Risk
a. Risiko Spesifik - - - -
Specific Risk
b. Risiko Umum - - - -
General Risk
2 Risiko Nilai Tukar 6.889 86.114 4.302 53.771
Exchange Rate Risk
3 Risiko Ekuitas (*)
Equity Risk (*)
4 Risiko Komoditas (*)
Commodity Risk (*)
5 Risiko Option - - - -
Option Risk
Total 6.889 86.114 4.302 53.771
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(dalam jutaan rupiah / in million rupiah)
Tagihan Bersih (Setelah Pengenaan FKK dan
Tagihan Bersih TRA (sebelum Rata-rata FKK
Teknik MRK)
Pengenaan FKK) Credit
Net Receivable (after Credit Conversion
Off Balance Sheet Net Receivable Conversion
Factor and Credit Risk Mitigation
(before Credit Conversion Factor) Factor Average
Techniques)
- 10.226.773
251.620 10% 2.434.997
52.367 10% 1.435.926
- 1.393.835
8.527.499 27% 30.489.072
103.798 0% 1.119.511
106.519
8.935.284 27% 47.206.632
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Tata Kelola Perusahaan Good Corporate Governance
Page 293
Penerapan GCG Bank Hana pada tahun 2023 secara komposit ada di peringkat “2”, yang mencerminkan manajemen Bank telah melakukan penerapan tata kelola yang secara umum baik. Hana Bank’s GCG implementation in 2023 is ranked “2” compositely, which reflects that the Bank’s management has implemented generally good governance.
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Komitmen Penerapan Tata Kelola
Perusahaan yang Baik
Commitment to GCG Implementation
Di tengah berkembangnya kegiatan bisnis In the midst of the current digital era’s business
di era digital saat ini, PT Bank KEB Hana activities development, PT Bank KEB Hana
Indonesia (“Bank Hana,” “Bank”) terus berupaya Indonesia (“ Hana Bank,” “Bank”) continues to strive
mengimplementasikan prinsip-prinsip tata to implement good governance principles in various
kelola yang baik di berbagai aspek dan di setiap aspects and at all levels of the organization. The
jenjang organisasi. Penerapan prinsip tata kelola application of good corporate governance (GCG)
perusahaan yang baik (good corporate governance/ principles has become the primary foundation
GCG) telah menjadi landasan utama agar dapat for conducting prudent banking operations and
menjalankan operasional dan bisnis perbankan business in order to ensure long-term business
yang prudent, untuk menjaga keberlangsungan sustainability.
bisnis jangka panjang.
Bank menilai penerapan tata kelola perusahaan The Bank believes that implementing good
yang baik merupakan bagian yang sangat corporate governance is an essential part of
penting dalam rangka menumbuhkan bisnis growing a business sustainably. To support the
secara berkelanjutan. Untuk mendukung implementation of this governance, a corporate
penerapan tata kelola tersebut, maka diperlukan governance guideline (code of corporate
suatu pedoman tata kelola perusahaan (code governance) is required, which Hana Bank has
of corporate governance) yang telah digunakan used as a guide for implementing good corporate
oleh Bank Hana sebagai arahan pelaksanaan tata governance. Hana Bank has a view that increasing
kelola perusahaan yang baik. Bank Hana memiliki the implementation of good corporate governance
pandangan bahwa peningkatan implementasi tata will directly lead to improved overall performance.
kelola perusahaan yang baik akan berbanding lurus
dengan peningkatan kinerja secara keseluruhan.
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Bank memiliki pedoman dalam menjalankan The Bank has guidelines for conducting its business
bisnisnya agar senantiasa tujuannya dapat so that its objectives are always met and in line
terpenuhi dan selaras dengan kebutuhan para with the needs of stakeholders, fostering a culture
pemangku kepentingan, sehingga nantinya akan of mutual trust and a conducive environment
menumbuhkan sikap saling percaya dan suasana within the Bank. One example of Hana Bank’s
yang kondusif di lingkungan Bank. Salah satu commitment and consistency in implementing
wujud komitmen dan konsistensi Bank Hana governance to ensure business continuity is
dalam menerapkan tata kelola untuk menjaga the continuous development of governance
keberlangsungan bisnis adalah dengan melakukan implementation throughout 2023.
pengembangan yang berkesinambungan atas
pelaksanaan tata kelola sepanjang tahun 2023.
Dasar Penerapan Tata Kelola Basis for GCG Implementation
Perusahaan yang Baik
Standar dan pedoman tata kelola yang menjadi The governance standards and guidelines that
landasan operasional Bank mengacu pada form the foundation of the Bank’s operations refer
peraturan yang telah ditetapkan oleh Undang- to the regulations stipulated by the Laws of the
Undang Republik Indonesia dan Otoritas Jasa Republic of Indonesia and the Financial Services
Keuangan, sebagaimana diatur antara lain dalam: Authority, as regulated, among others, in:
1. Undang-Undang No. 40 Tahun 2007 tentang 1. Law No. 40 of 2007 concerning Limited Liability
Perseroan Terbatas; Companies;
2. Undang-Undang No. 10 Tahun 1998, yang 2. Law No. 10 of 1998, which amended Republic of
mengubah UU RI No. 7 Tahun 1992 tentang Indonesia Law No. 7 of 1992 concerning Banking;
Perbankan; 3. Financial Services Authority Regulation No. 33/
3. Peraturan Otoritas Jasa Keuangan No. 33/ POJK.04/2014 concerning the Board of Directors
POJK.04/2014 tentang Direksi dan Dewan and Board of Commissioners of Issuers or Public
Komisaris Emiten atau Perusahaan Publik; Companies;
4. Peraturan Otoritas Jasa Keuangan No. 29/ 4. Financial Services Authority Regulation No. 29/
POJK.04/2016 tentang Laporan Tahunan Emiten POJK.04/2016 concerning Annual Reports of
atau Perusahaan Publik; Issuers or Public Companies;
5. Peraturan Otoritas Jasa Keuangan No. 55/ 5. Financial Services Authority Regulation No. 55/
POJK.03/2016 tentang Penerapan Tata Kelola POJK.03/2016 concerning Implementation of
bagi Bank Umum; Governance for Commercial Banks;
6. Surat Edaran Otoritas Jasa Keuangan No. 30/ 6. Financial Services Authority Circular No. 30/
SEOJK.04/2016 tentang Bentuk dan Isi Laporan SEOJK.04/2016 concerning Form and Content of
Tahunan Emiten atau Perusahaan Publik; dan Annual Reports of Issuers or Public Companies;
7. Surat Edaran Otoritas Jasa Keuangan No. 13/ and
SEOJK.03/2017 tentang Penerapan Tata Kelola 7. Financial Services Authority Circular No. 13/
bagi Bank Umum. SEOJK.03/2017 concerning Implementation of
Governance for Commercial Banks.
Pada bulan September 2023, Otoritas Jasa In September 2023, the Financial Services Authority
Keuangan telah menerbitkan Peraturan Otoritas issued the latest Financial Services Authority
Jasa Keuangan Tata kelola terbaru No. 17 tahun Governance Regulation No. 17 of 2023, effective
2023 yang berlaku pada tanggal 14 September 2023, September 14, 2023, of which the implementation
dimana untuk pelaksanaan self assessment atas for the self-assessment of the referred-to POJK
POJK tersebut akan diimplementasikan kemudian, will be implemented later, when the OJK issues a
pada saat OJK menerbitkan Surat Edaran Otoritas Financial Services Authority Circular Letter to guide
Jasa Keuangan sebagai panduan pelaksanaannya. its implementation.
Penerapan Prinsip-prinsip Tata Kelola Implementation of GCG Principles
Perusahaan yang Baik
Kegiatan usaha Bank Hana senantiasa didasari atas Hana Bank’s business activities are always based on
pemenuhan prinsip-prinsip tata kelola perusahaan the fulfillment of the principles of good corporate
yang baik sebagaimana diuraikan berikut: governance outlined below:
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Bank Hana melaksanakan pilar-pilar tata kelola Hana Bank implements the pillars of good
perusahaan yang baik yang meliputi governance corporate governance, which are governance
structure, governance process, dan governance structure, governance process, and governance
outcome dengan berlandaskan komitmen. Pilar- outcomes based on commitment. These pillars
pilar tersebut diimplementasikan pada organ are implemented through the Bank Governance
Tata Kelola Bank yang terdiri dari Rapat Umum organs, which include the General Meeting of
Pemegang Saham, Dewan Komisaris, dan Direksi Shareholders, the Board of Commissioners and
serta organ pendukung lainnya sebagaimana Board of Directors, and other supporting organs, as
digambarkan pada diagram di bawah ini. shown in the diagram below:
Governance Structure Governance Process Governance Outcome
Governance Structure Governance Process Governance Outcome
Prinsip
Penerapan Implementation
Principles
Transparansi Keterbukaan Bank dalam proses Bank openness in the decision-making
Transparency pengambilan keputusan dan dalam process, as well as the disclosure and
pengungkapan serta penyediaan provision of relevant and easily accessible
informasi yang relevan dan mudah information to stakeholders.
diakses oleh Pemangku Kepentingan.
Akuntabilitas Kejelasan fungsi dan pelaksanaan Clarity of functions and implementation
Accountability pertanggungjawaban dengan of responsibilities based on the Bank’s
berlandaskan pada visi, misi, dan tujuan vision, mission, and objectives
Bank
Tanggung Jawab Kesesuaian pengelolaan Bank dengan Bank management adheres to
Responsibility ketentuan peraturan perundang- statutory regulations, ethical values, and
undangan dan nilai etika serta standar, applicable standards, principles, and
prinsip, dan praktik yang berlaku. practices.
Independensi Pengelolaan oleh Bank secara mandiri The Bank’s management is independent
Independence dan profesional serta bebas dari and professional, with no conflicts of
benturan kepentingan dan pengaruh interest, influence, or pressure from
atau tekanan dari pihak mana pun any party that is not in accordance
yang tidak sesuai dengan ketentuan with the provisions of laws, regulations,
peraturan perundang-undangan dan ethical values, standards, principles, and
nilai etika serta standar, prinsip, dan practices.
praktik.
Kewajaran dan Kesetaraan, keseimbangan, dan keadilan Equality, balance, and fairness in fulfilling
Kesetaraan di dalam memenuhi hak Pemangku the rights of Bank stakeholders.
Fairness and Equality Kepentingan Bank.
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Struktur dan Mekanisme Tata Kelola GCG Structure and Mechanism
Perusahaan yang Baik
Struktur Tata Kelola Perusahaan yang Baik GCG Structure
Bank Hana menyusun struktur tata kelola Hana Bank has established a good corporate
perusahaan yang baik dengan berpedoman governance structure in accordance with
pada peraturan perundang-undangan yang applicable laws and regulations. This structure
berlaku. Struktur tersebut dijadikan acuan dalam serves as a reference for determining the duties
penetapan tugas dan tanggung jawab bagi and responsibilities of the Bank’s organizational
komponen organisasi Bank. components.
Rapat Umum Pemegang Saham
Generan Meeting Shareholders
Dewan Komisaris Direksi
Board of Commissioners Board of Directors
Komite Audit Komite Aset dan Liabilitas (ALCO) Komite Manajemen Risiko
Audit Committee Asset and Liabillity Committee Risk Management Committee
Komite Pemantau Risiko Komite Kredit Komite Kebijakan Perkreditan
Risk Monitoring Committee Credit Committee Credit Policy Committee
Komite Nominasi dan Komite Pengarah Teknologi
Remunerasi Komite Investigasi Kredit Informasi
Remuneration and Nomination Credit Investigation Committee Information Technology Steering
Committee Committee
Komite Sumber Daya Manusia Komite Pengembangan Produk
Human Resources Committee Product Development Committee
Komite Investigasi Fraud
Fraud Investigation Committee
Sekretaris Perusahaan Fungsi Kepatuhan Fungsi Audit Intern
Corporate Secretary Compliance Function Internal Audit Function
Mekanisme Tata Kelola Perusahaan yang Baik GCG Mechanisms
Bank Hana menetapkan mekanisme tata kelola Hana Bank has established a good corporate
perusahaan yang baik untuk mengatur hubungan governance mechanism to govern relationships
antar organ perusahaan, seperti Rapat Umum between company organs such as the General
Pemegang Saham (RUPS), Dewan Komisaris, Meeting of Shareholders (GMS), Board of
Direksi, serta organ pendukung lainnya. Hal ini Commissioners, Board of Directors, and other
bertujuan menciptakan hubungan kerja yang supporting organs. This aims to foster conducive
kondusif antarorgan di lingkungan Bank serta working relationships between organs within
meningkatkan nilai tambah bagi para pemangku the Bank while also increasing added value for
kepentingan. stakeholders.
RUPS merupakan organ perusahaan yang memiliki The GMS is a company organ with ultimate
wewenang tertinggi yang tidak dapat dilimpahkan authority, which cannot be delegated to any
kepada pihak mana pun. Dewan Komisaris dan party. The Board of Commissioners and Board of
Direksi merupakan organ yang bertanggung jawab Directors are the organs in charge of supervising
dalam pengawasan dan pengelolaan Bank. and managing the Bank.
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Dewan Komisaris menjalankan tugas dan The Audit, Risk Monitoring, and Remuneration
tanggung jawabnya dibantu oleh Komite Audit, and Nomination Committees assist the Board
Komite Pemantau Risiko, serta Komite Remunerasi of Commissioners in carrying out its duties and
dan Nominasi. Sementara Direksi, dibantu komite responsibilities. Meanwhile, the Board of Directors
pendukung yang terdiri dari Komite Aset dan is supported by a committee that includes the
Liabilitas (ALCO), Komite Manajemen Risiko, Komite Assets and Liabilities Committee (ALCO), Risk
Kredit, Komite Kebijakan Perkreditan, Komite Management Committee, Credit Committee,
Investigasi Kredit, Komite Pengarah Teknologi Credit Policy Committee, Credit Investigation
Informasi, Komite Sumber Daya Manusia, Komite Committee, Information Technology Steering
Pengembangan Produk, dan Komite Investigasi Committee, Human Resources Committee, Product
Fraud. Development Committee, and Fraud Investigation
Committee.
Pelaksanaan Penerapan Tata Kelolaan GCG Implementation
Perusahaan yang Baik
Pelaksanaan tata kelola perusahaan yang baik Bank The Bank’s implementation of good corporate
sepanjang tahun 2023 mencakup pokok-pokok governance throughout 2023 covers the essentials
pengelolaan operasional Bank yang meliputi: of Bank operational management, which include:
1. Rapat Umum Pemegang Saham; 1. General Meeting of Shareholders;
2. Pelaksanaan tugas dan tanggung jawab Dewan 2. Implementation of the duties and
Komisaris serta rapat Dewan Komisaris; responsibilities of the Board of Commissioners
and meetings of the Board of Commissioners;
3. Pelaksanaan tugas dan tanggung jawab Direksi; 3. Implementation of the duties and
responsibilities of the Board of Directors;
4. Penerapan Fungsi Kepatuhan, Audit Internal, 4. Implementation of Compliance, Internal Audit
dan Audit Eksternal; and External Audit Functions;
5. Penerapan manajemen risiko, termasuk 5. Implementation of risk management, including
pengendalian internal; internal control;
6. Penanganan benturan kepentingan; 6. Handling conflicts of interest;
7. Penyediaan dana kepada pihak terkait dan 7. Provision of funds to related parties and
penyediaan dana besar; provision of large funds;
8. Rencana strategis Bank; 8. Bank strategic plan;
9. Transparansi kondisi keuangan dan non- 9. Transparency of financial and non-financial
keuangan; conditions;
10. Kepemilikan saham anggota Dewan Komisaris 10. Share ownership of members of the Board of
dan Direksi; Commissioners and Board of Directors;
11. Hubungan keuangan dan hubungan keluarga 11. Financial relationships and family relationships
anggota Dewan Komisaris dan Direksi dengan of members of the Board of Commissioners
anggota Dewan Komisaris lainnya, Direksi and Board of Directors with other members
lainnya, dan/atau Pemegang Saham Pengendali of the Board of Commissioners, other Board of
Bank; Directors, and/or Controlling Shareholders of
the Bank;
12. Kebijakan remunerasi dan fasilitas lain bagi 12. Remuneration policy and other facilities for the
Dewan Komisaris dan Direksi, serta rasio gaji Board of Commissioners and Board of Directors,
tertinggi dan terendah; as well as the highest and lowest salary ratio;
13. Pembagian saham, pembelian saham kembali, 13. Distribution of shares, buyback of shares, and/or
dan/atau obligasi; bonds;
14. Penyimpangan internal; 14. Internal deviation;
15. Permasalahan hukum; 15. Legal issues;
16. Pemberian dana untuk kegiatan sosial; 16. Providing funds for social activities;
17. Hasil self-assessment tata kelola Bank; 17. Results of the Bank’s governance self-
assessment;
18. Action plan pelaksanaan tata kelola Bank; dan 18. Action plan for implementing Bank governance;
and
19. Whistleblowing. 19. Whistleblowing.
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Penilaian Sendiri Penerapan Tata
Kelola Perusahaan yang Baik
Self-Assessment Of GCG Implementation
Secara berkala, Bank Hana telah melakukan Periodically, Hana Bank has independently
penilaian kualitas implementasi tata kelola assessed the quality of the implementation of good
perusahaan yang baik secara mandiri selaras corporate governance in line with the provisions
dengan ketentuan Peraturan Otoritas Jasa of Financial Services Authority Regulation (POJK)
Keuangan (POJK) No. 4/POJK.03/2016 tentang No. 4/POJK.03/2016 concerning Assessment of the
Penilaian Tingkat Kesehatan Bank Umum, dimana Soundness Level of Commercial Banks, which has
telah digantikan oleh POJK No. 17 tahun 2023 pada been replaced by POJK No. 17 of 2023 on September
tanggal 14 September 2023 serta POJK No.55/ 14, 2023 as well as POJK No.55/POJK.03/2016 and
POJK.03/2016 dan Surat Edaran Otoritas Jasa Financial Services Authority Circular Letter (SEOJK)
Keuangan (SEOJK) No. 13/POJK.03/2017 tentang No. 13/POJK.03/2017 concerning the Implementation
Penerapan Tata Kelola bagi Bank Umum yang of Governance for Commercial Banks that assesses
menilai penerapan prinsip-prinsip tata kelola di the implementation of governance principles
lingkungan Bank yang terdiri dari transparansi, within the Bank, which consist of transparency,
akuntabilitas, pertanggungjawaban, independensi, accountability, responsibility, independence, as well
serta kewajaran dan kesetaraan pada kegiatan as fairness and equality in the Bank’s operational
operasional Bank yang dilakukan setiap semester. activities carried out every semester.
Pelaksanaan Penilaian Sendiri Conducting Self-Assessment on the
Penerapan Tata Kelola Perusahaan GCG Implementation
yang Baik
Dalam pelaksanaannya, terdapat 3 (tiga) aspek In practice, there are 3 (three) aspects of
tata kelola (governance) yang dinilai secara governance that are assessed in a comprehensive
komprehensif dan terstruktur, meliputi: and structured manner, including:
1. Struktur Tata Kelola 1. Governance Structure
Penilaian governance structure bertujuan untuk The governance structure assessment aims to
menilai kecukupan struktur dan infrastruktur assess the adequacy of the Bank’s governance
tata kelola Bank agar proses penerapan prinsip structure and infrastructure so that the process
tata kelola perusahaan yang baik menghasilkan of implementing good corporate governance
outcome yang sesuai dengan harapan principles produces outcomes that are in line
pemangku kepentingan Bank. with the expectations of the Bank’s stakeholders.
2. Proses Tata Kelola 2. Governance Process
Penilaian governance process bertujuan untuk The governance process assessment aims
menilai efektivitas proses penerapan prinsip to assess the effectiveness of the process of
tata kelola yang didukung oleh kecukupan implementing governance principles, which
struktur dan infrastruktur tata kelola Bank is supported by the adequacy of the Bank’s
sehingga menghasilkan outcome yang sesuai governance structure and infrastructure, in
dengan harapan pemangku kepentingan Bank. order to produce outcomes that are in line with
the expectations of the Bank’s stakeholders.
3. Hasil Tata Kelola 3. Governance Outcomes
Penilaian governance outcome bertujuan untuk The governance outcome assessment aims to
menilai kualitas outcome yang memenuhi assess the quality of outcomes that meet the
harapan pemangku kepentingan Bank yang expectations of Bank stakeholders which are
merupakan hasil proses penerapan prinsip tata the result of the process of implementing the
kelola perusahaan yang baik yang didukung principles of good corporate governance, which
oleh kecukupan struktur dan infrastruktur Tata are supported by the adequacy of the Bank’s
Kelola Bank. Governance structure and infrastructure.
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Kriteria Penilaian Sendiri Penerapan Self-Assessment Criteria for GCG
Tata Kelola Perusahaan yang Baik Implementation
Terdapat 11 faktor penilaian tata kelola atas penilaian There are 11 governance assessment factors for self-
sendiri, yang meliputi: assessment, which include:
1. Pelaksanaan tugas dan tanggung jawab Dewan 1. Implementation of the duties and
Komisaris; responsibilities of the Board of Commissioners;
2. Pelaksanaan tugas dan tanggung jawab Direksi; 2. Implementation of the duties and
responsibilities of the Board of Directors;
3. Kelengkapan dan pelaksanaan tugas Komite; 3. Completeness and implementation of the
Committee’s duties;
4. Penanganan benturan kepentingan; 4. Handling conflicts of interest;
5. Penerapan fungsi kepatuhan Bank; 5. Implementation of the Bank’s compliance
function;
6. Penerapan fungsi audit intern; 6. Implementation of the internal audit function;
7. Penerapan fungsi audit ekstern; 7. Implementation of the external audit function;
8. Penerapan manajemen risiko, termasuk sistem 8. Implementation of risk management, including
pengendalian intern; an internal control system;
9. Penyediaan dana kepada pihak terkait (related 9. Provision of funds to related parties and
party) dan penyediaan dana besar (large provision of large funds (large exposure);
exposure); 10. Transparency of the Bank’s financial and
10. Transparansi kondisi keuangan dan non- non-financial conditions, governance
keuangan Bank, laporan pelaksanaan tata implementation reports, and internal reporting;
kelola, dan pelaporan internal; serta and
11. Rencana strategis Bank. 11. Bank strategic plan.
Berdasarkan kertas kerja penilaian sendiri Based on the self-assessment working paper on the
penerapan tata kelola Bank Hana, baik pada posisi implementation of Hana Bank’s governance, both
semester I dan semester II tahun 2023, dapat in the first and second semesters of 2023, a general
disampaikan kesimpulan umum hasil penilaian conclusion can be drawn from the results of the
sendiri tata kelola perusahaan yang baik dengan self-assessment of good corporate governance
nilai komposit peringkat “2,” yang mencerminkan with a composite score of “2,” indicating that Hana
manajemen Bank Hana telah melakukan Bank’s management has implemented generally
penerapan tata kelola yang secara umum baik. good governance.
Hal itu tercermin dari pemenuhan yang memadai This is reflected in adequate adherence to
atas prinsip-prinsip tata kelola. Apabila terdapat governance principles. If there are flaws in the
kelemahan dalam penerapan prinsip tata kelola, application of governance principles, they are
maka secara umum kelemahan tersebut kurang generally minor and can be addressed through
signifikan dan dapat diselesaikan dengan tindakan standard actions by Hana Bank management.
normal oleh manajemen Bank Hana. Ke depannya, Hana Bank will continue to strengthen governance
Bank Hana akan terus melakukan penguatan processes, including risk governance, to ensure an
proses tata kelola, termasuk tata kelola risiko dalam effective internal control system.
mendukung sistem pengendalian intern yang
efektif.
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Rapat Umum Pemegang Saham
General Meeting of Shareholders
Rapat Umum Pemegang Saham (RUPS) merupakan The General Meeting of Shareholders (GMS)
organ Bank yang mempunyai wewenang eksklusif is a Bank organ with exclusive authority that
yang tidak diberikan kepada Direksi atau Dewan is not delegated to the Board of Directors or
Komisaris dalam batas yang ditentukan dalam the Board of Commissioners within the limits
undang-undang dan/atau Anggaran Dasar. Selain specified by law and/or the Articles of Association.
itu, RUPS berfungsi sebagai media penyampaian Furthermore, the GMS serves as a medium for
laporan pertanggungjawaban atas pelaksanaan submitting accountability reports on the Board of
tugas dan fungsi Dewan Komisaris dan Direksi Commissioners and the Board of Directors’ duties
serta hasil kinerja Bank sepanjang tahun berjalan. and functions, as well as the Bank’s performance
results for the current financial year.
Pelaksanaan RUPS Tahun 2023 Implementation of 2023 GMS
Sepanjang tahun 2023, Bank Hana Throughout 2023, Hana Bank has held 3 (three)
menyelenggarakan 3 (tiga) kali RUPS, yaitu 2 (dua) GMS, which were 2 (two) Extraordinary GMS on
kali RUPS Luar Biasa yang dilaksanakan secara April 17 and October 20, 2023, and 1 (one) Annual
sirkuler pada tanggal 17 April 2023 dan 20 Oktober GMS on June 9, 2023.
2023, serta 1 (satu) kali RUPS Tahunan yang
dilaksanakan pada tanggal 9 Juni 2023.
Keterlibatan Pihak Independen dalam Independent Parties Involvement in Vote
Penghitungan Suara Counting
Bank menggunakan pihak independen, yaitu The Bank uses an independent party, namely
Notaris Hannywati Gunawan, SH untuk melakukan Notary Hannywati Gunawan, SH to count the votes
penghitung suara dalam RUPS. in the GMS.
RUPS Tahunan 9 Juni 2023 Annual GMS on 9 June 2023
Agenda, Keputusan, dan Realisasi
Agenda, Resolution, and Realization
Realisasi Keputusan
Hasil Keputusan RUPS Tahunan 2023
Agenda Realization of
2023 Annual GMS Resolution Results
Resolutions
Agenda 1 Menyetujui Laporan Tahunan Bank untuk tahun buku yang Telah dilaksanakan oleh
berakhir pada tanggal 31 Desember 2022. Bank Hana.
Approve the Bank's Annual Report for the financial year ending Has been implemented
December 31, 2022. by Hana Bank
Agenda 2 Mengesahkan Laporan Keuangan Auditan Bank untuk tahun Telah dilaksanakan oleh
buku yang berakhir pada tanggal 31 Desember 2022. Bank Hana.
Ratify the Bank's Audited Financial Statement for the financial Has been implemented
year ending December 31, 2022. by Hana Bank
Agenda 3 Mengesahkan Laporan Tugas Pengawasan Dewan Komisaris Bank Telah dilaksanakan oleh
selama tahun buku yang berakhir pada tanggal 31 Desember Bank Hana.
2022. Has been implemented
Ratify the Supervisory Duties Report of the Bank's Board of by Hana Bank
Commissioners for the financial year ending December 31, 2022.
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Agenda, Keputusan, dan Realisasi
Agenda, Resolution, and Realization
Realisasi Keputusan
Hasil Keputusan RUPS Tahunan 2023
Agenda Realization of
2023 Annual GMS Resolution Results
Resolutions
Agenda 4 Memutuskan tidak membagikan dividen untuk tahun buku 2022. Telah dilaksanakan oleh
Seluruh laba bersih Bank sebesar Rp457.594.117.726,- (empat Bank Hana.
ratus lima puluh tujuh miliar lima ratus sembilan puluh empat Has been implemented
juta seratus tujuh belas ribu tujuh ratus dua puluh enam Rupiah) by Hana Bank
ditambahkan ke laba ditahan.
Decided not to distribute dividends for the 2022 financial year.
The entire net profit of the Bank amounting to Rp457,594,117,726,-
(four hundred fifty-seven billion five hundred ninety-four million
one hundred seventeen thousand seven hundred and twenty-six
Rupiah) was added to retained earnings.
Agenda 5 a. Penetapan gaji dan tunjangan lainnya untuk setiap anggota Telah dilaksanakan oleh
Direksi Bank untuk tahun buku 2023 dilimpahkan kepada Bank Hana.
Dewan Komisaris Bank dengan memperhatikan rekomendasi Has been implemented
dari Komite Remunerasi dan Nominasi Bank; dan by Hana Bank
b. Bahwa gaji dan tunjangan lainnya untuk setiap anggota Dewan
Komisaris Bank untuk tahun buku 2023 ditentukan oleh KEB
Hana Bank sebagai Pemegang Saham Utama Bank dengan
memperhatikan rekomendasi dari Komite Remunerasi dan
Nominasi Bank.
a. Determination of salaries and other allowances for each member
of the Bank's Board of Directors for the 2023 financial year is
delegated to the Bank's Board of Commissioners by taking into
account recommendations from the Bank's Remuneration and
Nomination Committee; and
b. That the salary and other allowances for each member of the
Bank's Board of Commissioners for the 2023 financial year are
determined by KEB Hana Bank as the Main Shareholder of the
Bank, taking into account recommendations from the Bank's
Remuneration and Nomination Committee.
Agenda 6 Pemberian kuasa dan wewenang kepada Dewan Komisaris Bank Telah dilaksanakan oleh
untuk menunjuk kantor akuntan publik yang terdaftar pada Bank Hana.
Otoritas Jasa Keuangan (termasuk akuntan publik yang terdaftar Has been implemented
pada Otoritas Jasa Keuangan yang merupakan anggota dari kantor by Hana Bank
akuntan publik tersebut) untuk mengaudit pembukuan Bank untuk
tahun buku yang berakhir pada tanggal 31 Desember 2023 dan
memberikan wewenang kepada Direksi Bank untuk menentukan
honorariumnya dengan memperhatikan rekomendasi Komite
Audit Bank.
Granting power and authority to the Bank's Board of Commissioners
to appoint a public accounting firm registered with the Financial
Services Authority (including public accountants registered with
the Financial Services Authority who are members of the public
accounting firm) to audit the Bank's books for the financial year
ending December 31, 2023, and authorizing the Bank's Board of
Directors to determine their honorarium by taking into account the
recommendations of the Bank's Audit Committee.
Agenda 7 Pengangkatan kembali Susunan Anggota Direksi Telah dilaksanakan oleh
a. Tuan Bayu Wisnu Wardhana dan Bank Hana.
b. Tuan Sang Keun Kwak sebagai Direktur Bank. Has been implemented
Reappointment of members of the Board of Directors byHana Bank
a. . Bayu Wisnu Wardhana and
b. Mr. Sang Keun Kwak as Bank Director.
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Agenda, Keputusan, dan Realisasi
Agenda, Resolution, and Realization
Realisasi Keputusan
Hasil Keputusan RUPS Tahunan 2023
Agenda Realization of
2023 Annual GMS Resolution Results
Resolutions
Agenda 8 a. menerima pengunduran diri Nyonya Junita Wangsadinata Telah dilaksanakan oleh
sebagai anggota Direksi Perseroan dari jabatannya sebagai Bank Hana.
Direktur Perseroan berlaku efektif sejak penutupan rapat Has been implemented
b. mengangkat Tuan Geoffry Nugraha sebagai Direktur Perseroan, by Hana Bank
dengan ketentuan bahwa pengangkatan tersebut hanya akan
berlaku efektif setelah mendapat persetujuan dari Otoritas Jasa
Keuangan sampai dengan penutupan rapat umum pemegang
saham tahunan yang kedua sejak pengangkatannya
a. Accepted the resignation of Mrs. Junita Wangsadinata as a
member of the Company's Board of Directors from her position
as Director of the Company, effective from the close of the
meeting.
b. Appointed Mr. Geoffry Nugraha as Director of the Company,
with the provision that the appointment will only become
effective upon obtaining approval from the Financial Services
Authority until the close of the second annual general meeting
of shareholders following his appointment.
Agenda 9 Memutuskan, Pengangkatan Kembali Anggota Dewan Komisaris Telah dilaksanakan oleh
a. Mengangkat kembali Tuan Sungwhan Lee sebagai Komisaris Bank Hana.
Utama Perseroan yang berlaku efektif sejak penutupan Rapat Has been implemented
ini sampai dengan penutupan Rapat Umum Pemegang Saham by Hana Bank
Tahunan Perseroan yang kedua sejak pengangkatannya.
b. Memutuskan, mengangkat Tuan Eka Noor Asmara sebagai
Komisaris Independen Perseroan yang berlaku efektif sejak
penutupan Rapat ini sampai dengan penutupan Rapat Umum
Pemegang Saham Tahunan Perseroan yang pertama sejak
pengangkatannya
Deciding on the Reappointment of Members of the Board of
Commissioners
a. Reappointed Mr. Sungwhan Lee as President Commissioner of
the Company, effective from the closing of this Meeting until
the closing of the Company's second Annual General Meeting of
Shareholders following his appointment.
b. Decided to appoint Mr. Eka Noor Asmara as Independent
Commissioner of the Company effective from the closing of this
Meeting until the closing of the Company's first Annual General
Meeting of Shareholders following his appointment.
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RUPS Luar Biasa 17 April 2023
Extraordinary GMS on April 17, 2023
Agenda, Keputusan, dan Realisasi
Agenda, Resolution, and Realization
Realisasi Keputusan
Hasil Keputusan RUPSLB Tahunan 2023
Agenda Realization of
2023 EGMS Resolution Results
Resolutions
Agenda 1 Memutuskan menerima pengunduran diri Tuan Hang Keun Telah dilaksanakan oleh
Cho, dari jabatannya sebagai Direktur Perseroan terhitung sejak Bank Hana.
tanggal 5 Mei 2023. Has been implemented
Decided to accept the resignation of Mr Hang Keun Cho, from his by Hana Bank
position as Director of the Company effective May 5, 2023.
Agenda 2 Memutuskan menyetujui pengangkatan Tuan Seong Hyeok Telah dilaksanakan oleh
Mun sebagai Direktur Perseroan yang baru, sesuai dengan Bank Hana.
surat dari OJK Nomor KEPR-8/D.03/2023 tanggal 28 Maret 2023, Has been implemented
tentang Hasil Penilaian Kemampuan dan Kepatutan Sdr. Seong by Hana Bank
Hyeok Mun selaku Calon Direktur Keuangan PT Bank KEB Hana
Indonesia (“Persetujuan OJK”)
Decided to approve the appointment of Mr. Seong Hyeok Mun
as the new Director of the Company, in accordance with the
letter from OJK Number KEPR-8/D.03/2023 dated March 28, 2023,
concerning the Results of the Fit and Proper Assessment of Mr.
Seong Hyeok Mun as Candidate for Finance Director of PT Bank
KEB Hana Indonesia (“OJK Approval”)
Agenda 3 Tanggal efektif pengangkatan Tuan Seong Hyeok Mun sebagai Telah dilaksanakan oleh
Direktur Perseroan akan berlaku setelah mendapatkan dokumen Bank Hana.
administratif dari instansi yang terkait (“Tanggal Efektif”). Has been implemented
The effective date for the appointment of Mr. Seong Hyeok by Hana Bank
Mun as Director of the Company will take effect after obtaining
administrative documents from the relevant agencies ("Effective
Date").
RUPS Luar Biasa 20 Oktober 2023
EGMS on October 20, 2023
Agenda, Keputusan, dan Realisasi
Agenda, Resolution, and Realization
Realisasi Keputusan
Hasil Keputusan RUPSLB Tahunan 2023
Agenda Realization of
2023 EGMS Resolution Results
Resolutions
Agenda 1 Menerima perubahan nama dari LINE Financial Plus Corporation Telah dilaksanakan oleh
(“LFP”) menjadi LINE Financial Corporation (“LFC”) Bank Hana.
Accepted name change from LINE Financial Plus Corporation Has been implemented
(“LFP”) to LINE Financial Corporation (“LFC”) by Hana Bank
Agenda 2 Mengubah nama dalam daftar pemegang saham Perseroan dari Telah dilaksanakan oleh
LINE Financial Plus Corporation (“LFP”) menjadi LINE Financial Bank Hana.
Corporation (“LFC”) Has been implemented
Changed the name in the Company’s shareholder register by Hana Bank
from LINE Financial Plus Corporation (“LFP”) to LINE Financial
Corporation (“LFC”)
Agenda 3 Menerbitkan Surat Kolektif Saham untuk dan atas nama LINE Telah dilaksanakan oleh
Financial Corporation (“LFC”), menggantikan Surat Kolektif Saham Bank Hana.
untuk dan atas nama LINE Financial Plus Corporation (“LFP”) Has been implemented
Issuing Collective Share Letters for and on behalf of LINE Financial by Hana Bank
Corporation (“LFC”), replacing the Collective Share Letters for and
on behalf of LINE Financial Plus Corporation (“LFP”)
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Pelaksanaan RUPS Tahun 2022 The implementation of the General
Meetings of Shareholders (RUPS) in
2022:
Sepanjang tahun 2022, Bank Hana Throughout the year 2022, Bank Hana held 3
menyelenggarakan 3 (tiga) kali RUPS, yaitu 2 (dua) (three) General Meetings of Shareholders (RUPS),
kali RUPS Luar Biasa yang dilaksanakan pada consisting of 2 (two) Extraordinary General
tanggal 14 Januari 2022 dan 21 November 2022, Meetings held on January 14, 2022, and November
serta 1 (satu) kali RUPS Tahunan yang dilaksanakan 21, 2022, as well as 1 (one) Annual General Meeting
pada tanggal 3 Juni 2022. held on June 3, 2022.
Seluruh hasil RUPS tahun 2022 telah terealisasi All outcomes of the General Meetings of
sebagaimana tercantum dalam Laporan Tahunan Shareholders (RUPS) in 2022 have been realized as
2022. stated in the 2022 Annual Report.
Informasi kepada Pemegang Saham Information to Shareholders
Bank Hana telah menyediakan informasi kepada Hana Bank has provided information to
Pemegang Saham untuk menggunakan haknya, Shareholders to exercise their rights, including:
antara lain:
1. RUPS, di mana Pemegang Saham dapat 1. GMS, where Shareholders can communicate
berkomunikasi dengan Manajemen dalam with Management regarding information
hal informasi mengenai Bank sebagai dasar regarding the Bank as a basis for decision-
pengambilan keputusan; making;
2. Situs web Bank Hana www.hanabank.co.id yang 2. Hana Bank website, www.hanabank.co.id, which
menyampaikan informasi terbaru dan relevan provides the latest and relevant information
berbagai laporan dan publikasi mengenai Bank on various reports and publications regarding
Hana kepada Pemegang Saham; Bank Hana to Shareholders;
3. Laporan Tahunan yang menyampaikan 3. Annual Report, which provides information
informasi mengenai kinerja dan kondisi regarding the performance and financial
keuangan Bank Hana; serta condition of Hana Bank; and
4. Media komunikasi lainnya, yaitu video 4. Other communication media, namely video
konferensi, rapat internal, dan kunjungan. conferences, internal meetings, and visits.
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Dewan Komisaris
Board Of Commissioners
Dewan Komisaris merupakan organ tata kelola The Board of Commissioners is a governance
yang bertanggung jawab untuk melakukan organ responsible for supervising and providing
pengawasan dan memberi nasihat kepada Direksi. advice to the Board of Directors. The Board of
Dewan Komisaris tidak memiliki wewenang untuk Commissioners does not have the authority to be
terlibat dalam pengambilan keputusan berkaitan involved in making decisions relating to the Bank’s
dengan aktivitas operasional Bank, kecuali operational activities, except for several policy
beberapa persetujuan kebijakan sebagaimana approvals as regulated in regulatory provisions
diatur dalam ketentuan regulator perihal regarding the Implementation of Governance for
Penerapan Tata Kelola bagi Bank Umum dan hal- Commercial Banks and other matters stipulated
hal lain yang ditetapkan dalam Anggaran Dasar in the Bank’s Articles of Association or applicable
Bank atau peraturan perundang-undangan yang laws and regulations , as well as ensuring that
berlaku, serta memastikan Bank telah menerapkan the Bank has implemented good corporate
tata kelola perusahaan yang baik pada seluruh governance at all levels of the organization. The
tingkatan atau jenjang organisasi. Dewan Komisaris Board of Commissioners is required to submit a
diwajibkan menyampaikan laporan terkait tugas report regarding its duties and responsibilities
dan tanggung jawabnya pada saat RUPS sebagai at the GMS as evidence of the Bank’s supervisory
bukti akuntabilitas pengawasan Bank. accountability.
Tugas dan Tanggung Jawab Duties And Responsibilities
Dewan Komisaris telah menjalankan tugas dan The Board of Commissioners has carried out
tanggung jawab di sepanjang tahun 2023, antara its duties and responsibilities throughout 2023,
lain: including:
1. Memastikan terselenggaranya pelaksanaan 1. Every semester, ensure the implementation
tata kelola perusahaan yang baik dalam setiap of good corporate governance in every
kegiatan usaha Bank pada seluruh tingkatan Bank’s business activity at all stages or levels
atau jenjang organisasi melalui Laporan of the organization through the Board of
Pengawasan Dewan Komisaris setiap semester; Commissioners’ Supervision Report ;
2. Melaksanakan pengawasan terhadap 2. Carry out supervision over the implementation
pelaksanaan tugas dan tanggung jawab Direksi, of the duties and responsibilities of the Board
serta memberi nasihat dan saran kepada of Directors, as well as provide advice and
Direksi dengan mengarahkan, memantau, dan suggestions to the Board of Directors by
mengevaluasi pelaksanaan kebijakan strategis directing, monitoring, and evaluating the
Bank; implementation of the Bank’s strategic policies;
3. Memastikan bahwa Direksi telah 3. Ensure that the Board of Directors has followed
menindaklanjuti temuan audit dan rekomendasi up on audit findings and recommendations
dari Satuan Kerja Audit Internal (SKAI) Bank, from the Bank’s Internal Audit Work Unit (SKAI),
auditor eksternal, hasil pengawasan Otoritas external auditors, results of supervision by the
Jasa Keuangan, dan/atau hasil pengawasan Financial Services Authority, and/or results of
otoritas lainnya; supervision by other authorities;
4. Dewan Komisaris menyetujui Rencana Bisnis 4. The Board of Commissioners approves the
Bank yang akan disampaikan kepada Otoritas Bank’s Business Plan, which will be submitted
Jasa Keuangan, dan melaksanakan pengawasan to the Financial Services Authority, and carries
terhadap pelaksanaan Rencana Bisnis Bank, out supervision over the implementation of
serta menyampaikan Laporan Pengawasan the Bank’s Business Plan, as well as submitting
Rencana Bisnis Bank setiap semester kepada a Supervision Report on the Bank’s Business
Otoritas Jasa Keuangan; dan Plan every semester to the Financial Services
Authority; and
5. Dewan Komisaris menyetujui/meninjau setiap 5. The Board of Commissioners approves/reviews
kebijakan ataupun prosedur internal yang every strategic internal policy or procedure.
bersifat strategis.
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Pedoman dan Tata Tertib Kerja Dewan Board of Commissioners Charter
Komisaris
Pedoman dan Tata Tertib Kerja Dewan Komisaris The Board of Commissioners’ Charter regulates
(Board Charter) mengatur hal-hal yang terkait matters related to guidelines for implementing
dengan panduan pelaksanaan tugas dan the duties and responsibilities of the Board of
tanggung jawab Dewan Komisaris serta hal- Commissioners, as well as other matters related to
hal lain terkait dengan organisasi, tugas dan organization, duties and responsibilities, authority,
tanggung jawab, kewenangan, keterbukaan, openness, work ethics, the formation of committees,
etika kerja, pembentukan komite, struktur dan the structure and membership of the Board of
keanggotaan Dewan Komisaris, serta pengaturan Commissioners, and meeting arrangements. This
rapat. Pedoman dan Tata Tertib Kerja ini disusun Board Charter is prepared based on applicable
berdasarkan peraturan yang berlaku, termasuk regulations, including Bank Indonesia Regulations
Peraturan Bank Indonesia (PBI) dan Peraturan (PBI) and Financial Services Authority Regulations
Otoritas Jasa Keuangan (POJK) mengenai tata (POJK), regarding good corporate governance as
kelola perusahaan yang baik, serta praktik terbaik well as best practices, and are reviewed periodically.
dan ditinjau secara berkala. The Board of Commissioners must comply with
Dewan Komisaris wajib tunduk pada Kode Etik the Hana Bank Code of Ethics and other applicable
Bank Hana dan peraturan perbankan lainnya yang banking regulations. The Hana Bank Code of
berlaku. Kode Etik Bank Hana berisi ketentuan Ethics contains mandatory provisions that must
wajib yang harus dipatuhi oleh Dewan Komisaris, be complied with by the Board of Commissioners,
yaitu: namely:
1. Dewan Komisaris dilarang memiliki hubungan 1. The Board of Commissioners is prohibited from
keluarga sampai dengan derajat kedua dengan having family relationships up to the second
sesama anggota Dewan Komisaris dan/atau degree with fellow members of the Board of
anggota Direksi; Commissioners and/or members of the Board
2. Dewan Komisaris dilarang memanfaatkan Bank of Directors;
Hana untuk kepentingan pribadi, keluarga dan/ 2. The Board of Commissioners is prohibited from
atau pihak lain yang dapat merugikan atau using Hana Bank for personal, family, and/or
mengurangi keuntungan Bank Hana; serta other party interests that could harm or reduce
3. Dewan Komisaris dilarang mengambil dan/atau Hana Bank’s profits; and
menerima keuntungan pribadi dari Bank Hana 3. The Board of Commissioners is prohibited from
selain remunerasi dan fasilitas lainnya yang taking and/or receiving personal benefits from
ditetapkan dalam RUPS. Hana Bank other than remuneration and other
facilities determined in the GMS.
Komposisi dan Masa Jabatan Dewan Composition and Term of Office of the
Komisaris Board of Commissioners
Pada tahun 2023, komposisi Dewan Komisaris Bank In 2023, the composition of Hana Bank’s Board of
Hana tidak mengalami perubahan, namun terdapat Commissioners did not change, but there were
pengangkatan kembali. RUPS Tahunan 2023 reappointments. The 2023 Annual GMS, held on
tanggal 9 Juni 2023 memutuskan pengangkatan June 9, 2023, decided to reappoint Sungwhan Lee
kembali Sungwhan Lee sebagai Komisaris Utama as President Commissioner of the Bank and Eka
Bank dan Eka Noor Asmara sebagai Komisaris Noor Asmara as Independent Commissioner.
Independen. As of December 31, 2023, Hana Bank has 1
Per tanggal 31 Desember 2023, Bank Hana memiliki (one) President Commissioner representing
1 (satu) Komisaris Utama yang mewakili Pemegang Shareholders who is domiciled in Singapore and
Saham berdomisili di Singapura dan 2 (dua) orang 2 (two) Independent Commissioners who come
Komisaris Independen yang berasal dari kalangan from professional circles and are not related to
profesional dan tidak terkait dengan Bank, the Bank, all of whom are domiciled in Indonesia.
semuanya berdomisili di Indonesia. Komposisi The composition of the Board of Commissioners
Dewan Komisaris di atas telah memenuhi Peraturan above complies with Financial Services Authority
Otoritas Jasa Keuangan No. 17 Tahun 2023, yaitu Regulation No. 17 of 2023, namely that the minimum
jumlah minimal anggota Komisaris adalah 3 (tiga) number of Board of Commissioners members
orang, namun tidak melebihi jumlah anggota is 3 (three) but does not exceed the number of
Direksi dan 50% anggotanya adalah Komisaris the Board of Directors members, and 50% of the
Independen. members are Independent Commissioners.
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Seluruh anggota Dewan Komisaris telah lulus All members of the Board of Commissioners have
penilaian kemampuan dan kepatutan yang passed the fit and proper test conducted by the
diselenggarakan oleh Otoritas Jasa Keuangan. Financial Services Authority. Thus, all criteria,
Dengan demikian, seluruh kriteria, termasuk including independence, have been fulfilled as
independensi, telah terpenuhi sebagaimana yang required.
disyaratkan.
Susunan Dewan Komisaris per Tanggal 31 Desember 2023
Composition of the Board of Commissioners as of December 31, 2023
Tanggal Pengangkatan dan
Tanggal Efektif
Nama dan Jabatan Berakhirnya Jabatan
Status Menjabat
Name and Position Date of Appointment and
Effective Date of Position
Expiration of Term of Office
Sungwhan Lee WNA RUPS Tahunan 9 Juni 2023– 9 Juni 2023
Komisaris Utama Foreigner penutupan RUPS Tahunan 2025 June 9, 2023
President Commissioner Annual GMS on June 9, 2023–
closing of the 2025 Annual GMS
Eka Noor Asmara WNI RUPS Tahunan 9 Juni 9 Juni 2023
Komisaris Independen Indonesian 2023-penutupan RUPS Tahunan 2024 June 9, 2023
Independent Commissioner Citizen Annual GMS on June 9, 2023–
closing of the 2024 Annual GMS
Dino Patti Djalal WNI RUPS Tahunan 3 Juni 11 Juli 2022
Komisaris Independen Indonesian 2022-penutupan RUPS Tahunan 2024 July 11, 2022
Independent Commissioner Citizen Annual GMS on June 3, 2022–
closing of the 2024 Annual GMS
Susunan Dewan Komisaris per Tanggal 9 Juni 2023 (Pelaksanaan RUPS Tahunan)
Composition of the Board of Commissioners as of June 9 2023 (Implementation of the Annual GMS)
Tanggal Pengangkatan dan
Tanggal Efektif
Nama dan Jabatan Berakhirnya Jabatan
Status Menjabat
Name and Position Date of Appointment and
Effective Date of Position
Expiration of Term of Office
Sungwhan Lee 1) WNA RUPS Tahunan 9 Juni 2023– 15 November 2021
Komisaris Utama Foreigner penutupan RUPS Tahunan 2025 November 15, 2021
President Commissioner Annual GMS on June 9, 2023–
closing of the 2025 Annual GMS
Eka Noor Asmara2) WNI RUPS Tahunan 9 Juni 2023– 3 Juni 2022
Komisaris Independen Indonesian penutupan RUPS Tahunan 2024 June 3, 2022
Independent Coimmissioner Citizen Annual GMS on June 9, 2023–
closing of the 2024 Annual GMS
Dino Patti Djalal WNI RUPS Tahunan 3 Juni 11 Juli 2022
Komisaris Independen Indonesian 2022-penutupan RUPS Tahunan July 11, 2022
Independent Commissioner Citizen 2024
Annual GMS on June 3, 2022-closing
of the 2024 Annual GMS
Keterangan / Notes:
1)
Diangkat kembali sejak penutupan RUPST tanggal 9 Juni 2023 sampai dengan penutupan RUPST 2025.
2)
Diangkat kembali sejak penutupan RUPST tanggal 9 Juni 2023 sampai dengan penutupan RUPST 2024.
1)
Reappointed from the closing of the AGMS on June 9, 2023, until the closing of the 2025 AGMS.
2)
Reappointed from the closing of the AGMS on June 9, 2023, until the closing of the 2024 AGMS
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Program Orientasi bagi Komisaris Baru Orientation Program for New
Bank Hana memiliki program orientasi dan Commissioners
pengenalan bagi anggota Dewan Komisaris Hana Bank has an orientation and introduction
baru. Program ini bertujuan untuk memberikan program for new members of the Board of
pemahaman tentang visi, misi, dan nilai Bank Commissioners. This program aims to provide an
Hana, kode etik, struktur organisasi, bidang usaha, understanding of Hana Bank’s vision, mission,
pedoman dan tata tertib kerja Dewan Komisaris and values, code of ethics, organizational
serta peraturan-peraturan perbankan. Sepanjang structure, business fields, charter of the Board of
tahun 2023, tidak terdapat anggota Dewan Commissioners, as well as banking regulations.
Komisaris baru yang mengikuti program tersebut. Throughout 2023, there were no new members of
the Board of Commissioners participating in the
program.
Komisaris Independen Independent Commissioner
Pengangkatan Komisaris Independen Bank The appointment of the Bank’s Independent
ditentukan oleh Pemegang Saham melalui Commissioners is determined by the Shareholders
mekanisme RUPS. Pihak yang diangkat merupakan through the GMS mechanism. The parties
calon yang diajukan oleh Dewan Komisaris appointed are candidates proposed by the Board
dengan rekomendasi dari Komite Remunerasi dan of Commissioners with recommendations from
Nominasi. Penunjukan tersebut dilakukan sesuai the Remuneration and Nomination Committee.
dengan Peraturan OJK No. 17/POJK/2023 tentang The appointment was carried out in accordance
Penerapan Tata Kelola bagi Bank Umum dan with OJK Regulation No. 17/POJK/2023 concerning
Surat Edaran OJK No. 13/SEOJK.03/2017 tentang Implementation of Governance for Commercial
Penerapan Tata Kelola bagi Bank Umum. Saat Banks and OJK Circular Letter No. 13/SEOJK.03/2017
ini, Bank memiliki 2 Komisaris Independen atau concerning Implementation of Governance
50% dari jumlah anggota Dewan Komisaris yang for Commercial Banks. Currently, the Bank
menjabat. Jumlah tersebut telah sesuai dengan has 2 Independent Commissioners or 50% of
ketentuan regulator. the total number of members of the Board of
Commissioners. This amount is in accordance with
regulatory provisions.
Kriteria Penentuan Komisaris Criteria for Determining Independent
Independen Commissioners
Komisaris Independen Bank telah memenuhi The Bank’s Independent Commissioners have met
kriteria independensi sebagai berikut: the following independence criteria:.
1. Anggota Dewan Komisaris yang tidak 1. Members of the Board of Commissioners who
memiliki hubungan keuangan, kepengurusan, do not have financial, management, share
kepemilikan saham, dan/atau hubungan ownership, and/or family relationships with
keluarga dengan anggota Dewan Komisaris other members of the Board of Commissioners,
lainnya, Direksi, dan/atau Pemegang Saham the Board of Directors, and/or Controlling
Pengendali, atau hubungan dengan Bank Hana, Shareholders, or relationships with Hana
yang dapat memengaruhi kemampuannya Bank, which could affect their ability to act
untuk bertindak independen; independently;
2. Berasal dari luar organisasi Bank Hana; 2. Comes from outside the Hana Bank
organization;
3. Bukan merupakan orang yang bekerja atau 3. Not a person who works or has the authority and
mempunyai wewenang dan tanggung responsibility to plan, lead, control, or supervise
jawab untuk merencanakan, memimpin, Hana Bank’s activities within the last 6 months;
mengendalikan, atau mengawasi kegiatan
Bank Hana dalam waktu 6 bulan terakhir;
4. Tidak mempunyai saham Bank Hana, baik 4. Do not own Hana Bank shares, either directly or
langsung maupun tidak langsung; dan indirectly; and
5. Tidak mempunyai hubungan usaha, baik 5. Has no business relationship, either directly
langsung maupun tidak langsung, yang or indirectly, related to Hana Bank’s business
berkaitan dengan kegiatan usaha Bank Hana. activities.
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Pernyataan Independensi Komisaris Statement of Independence of
Independen Independent Commissioners
Seluruh anggota Dewan Komisaris Bank All members of the Bank’s Board of Commissioners
menjunjung tinggi aspek independensi dan uphold the aspect of independence and behave
bersikap profesional. Dewan Komisaris bekerja professionally. The Board of Commissioners works
secara objektif untuk memberikan kontribusi objectively to contribute to the progress of the Bank
bagi kemajuan Bank serta berupaya menjauhkan and strives to avoid personal interests or conflicts
kepentingan pribadi atau benturan kepentingan, of interest, especially in supervising and providing
khususnya dalam melakukan pengawasan dan advice to the Board of Directors.
pemberian nasihat kepada Direksi.
Uraian Pernyataan Independensi Komisaris Independen
Description of the Independent Commissioner’s Independence Statement
Nama
Aspek Independensi Name
Independence Aspect
Eka Noor Asmara Dino Patti Djalal
Tidak memiliki hubungan afiliasi dengan Direktur dan/atau √ √
anggota Dewan Komisaris lain di Bank.
Does not have affiliations with other Directors and/or members
of the Board of Commissioners at the Bank.
Tidak menjabat sebagai Direksi di Perusahaan yang terafiliasi √ √
dengan Bank.
Does not serve as a Director in a Company affiliated with the
Bank.
Tidak bekerja pada lembaga pemerintahan dalam kurun waktu √ √
3 tahun terakhir.
Has not worked for a government agency in the last 3 years.
Tidak bekerja di Bank atau afiliasinya dalam kurun waktu 3 √ √
tahun terakhir.
Has not worked at the Bank or its affiliates within the last 3 years.
Tidak mempunyai keterkaitan finansial, baik langsung maupun √ √
tidak langsung, dengan bank lain yang menyediakan jasa dan
produk kepada Bank dan afiliasinya.
Does not have financial linkages, either direct or indirect, with
other banks that provide services and products to the Bank and
its affiliates.
Bebas dari kepentingan dan aktivitas bisnis atau hubungan √ √
lain yang dapat menghalangi atau mengganggu kemampuan
Dewan Komisaris untuk bertindak atau berpikir secara bebas di
lingkup Bank.
Free from business interests and activities or other relationships
that could hinder or interfere with the Board of Commissioners'
ability to act or think freely within the Bank.
Rekomendasi Dewan Komisaris Recommendation of the Board of
Commissioners
Sepanjang tahun buku 2023, Dewan Komisaris telah Throughout the 2023 financial year, the Board of
menyampaikan rekomendasi kepada manajemen Commissioners has submitted recommendations
Bank. Di antaranya adalah: to the Bank’s management. Among others are:
1. Dewan Komisaris mengusulkan pencalonan 1. The Board of Commissioners proposes the
anggota Direksi, pengangkatan kembali nomination of members of the Board of
anggota Direksi dan Dewan Komisaris Bank, Directors, the reappointment of members of
serta pengangkatan kembali keanggotaan the Bank’s Board of Directors and Board of
Komite Dewan Komisaris; Commissioners, as well as the reappointment
of members of the Board of Commissioners
Committee;
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2. Dewan Komisaris menyetujui Rencana Audit 2. The Board of Commissioners approved the 2023
Tahunan SKAI tahun 2023 dan perubahan SKAI Annual Audit Plan and changes to the
Rencana Audit SKAI tahun 2023, serta 2023 SKAI Audit Plan, as well as adjustments to
penyesuaian Rencana Bisnis Bank 2023-2025; the 2023–2025 Bank Business Plan;
3. Dewan Komisaris dan Komite Audit menerima 3. The Board of Commissioners and Audit
progress audit, rencana penyelesaian, area Committee received the audit progress,
penting, dan penyesuaian audit per 31 Desember completion plan, important areas, and audit
2022 oleh Kantor Akuntan Publik (KAP) Amir adjustments as of December 31, 2022, from
Abadi Jusuf, Aryanto, Mawar & Rekan (member the Public Accounting Firm (PAF) Amir Abadi
of RSM Indonesia); Jusuf, Aryanto, Mawar & Rekan (member of RSM
Indonesia);
4. Dewan Komisaris menerima dan menyetujui 4. The Board of Commissioners accepts and
usulan skor & peringkat kinerja Bankwide 2022; approves the proposed 2022 Bankwide
performance scores & rankings;
5. Dewan Komisaris menerima dan menyetujui 5. The Board of Commissioners received and
usulan kenaikan gaji 2023, skema bonus kinerja, approved the proposed 2023 salary increase,
dan rencana penghargaan jangka panjang; performance bonus scheme, and long-term
reward plan;
6. Dewan Komisaris menerima dan menyetujui 6. The Board of Commissioners received
usulan peringkat dan bonus kinerja Board of and approved the proposed 2022 Board of
Management (BOM) tahun 2022, dan kenaikan Management (BOM) ranking, performance
gaji anggota Direksi; bonuses, and salary increases for members of
the Board of Directors;
7. Dewan Komisaris menerima dan menyetujui 7. The Board of Commissioners accepts and
usulan Self-Assessment KPI Komisaris approves the 2022 Independent Commissioner
Independen tahun 2022; KPI Self-Assessment proposal;
8. Dewan Komisaris menerima dan menyetujui 8. The Board of Commissioners received and
kajian bonus dan kenaikan gaji 2023 dari approved the review of bonuses and salary
anggota Direksi, anggota Dewan Komisaris, dan increases for 2023 from members of the
Chiefs; Board of Directors, members of the Board of
Commissioners, and Chiefs;
9. Dewan Komisaris menerima dan menyetujui 9. The Board of Commissioners received and
permohonan fasilitas kredit untuk PT Sinarmas approved the loan facility application for PT
Hana Finance; Sinarmas Hana Finance;
10. Dewan Komisaris menyetujui Perubahan 10. The Board of Commissioners approved the
Rencana Bisnis Bank 2023-2025 PT Bank KEB changes to the 2023–2025 Bank Business Plan
Hana Indonesia; of PT Bank KEB Hana Indonesia;
11. Dewan Komisaris menerima laporan atas 11. The Board of Commissioners receives a report
update AML CTF; on the AML CTF update;
12. Dewan Komisaris menyetujui penunjukan 12. The Board of Commissioners approved the
Kantor Akuntan Publik (KAP) Amir Abadi appointment of Public Accountant Firm
Jusuf, Aryanto, Mawar & Rekan (member of (PAF) Amir Abadi Jusuf, Aryanto, Mawar &
RSM Indonesia) dan Akuntan Publik (AP) Bimo Rekan (member of RSM Indonesia) and Public
Iman Santoso untuk melaksanakan audit atas Accountant (PA) Bimo Iman Santoso to carry
Informasi Keuangan Historis untuk Tahun Buku out an audit of Historical Financial Information
2023; for the 2023 Financial Year;
13. Dewan Komisaris menyetujui Laporan 13. The Board of Commissioners approved the
Pengawasan Rencana Bisnis PT Bank KEB Hana PT Bank KEB Hana Indonesia Business Plan
Indonesia 2023- 2025 untuk periode Semester I Monitoring Report 2023-2025 for the first
tahun 2023; semester of 2023;
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14. Dewan Komisaris dan Komite Audit menerima 14. The Board of Commissioners and the Audit
pemaparan dari Kantor Akuntan Publik (KAP) Committee received a presentation from the
Amir Abadi Jusuf, Aryanto, Mawar & Rekan Public Accounting Firm (PAF) Amir Abadi
(member of RSM Indonesia) mengenai Kick Jusuf, Aryanto, Mawar, and Rekan (member of
Off Meeting Audit (General Audit) posisi 31 RSM Indonesia) regarding the Audit Kick-Off
Desember 2023 & Agreed Upon Procedures Meeting (General Audit) position on December
(AUP) untuk servis kustodian; 31, 2023, and Agreed Upon Procedures (AUP) for
custodial services;
15. Dewan Komisaris menerima dan menyetujui 15. The Board of Commissioners received and
rencana penutupan kantor cabang, perubahan approved plans for branch office closures,
struktur organisasi bankwide, dan promosi di changes to the bankwide organizational
luar siklus tahun 2023 serta promosi karyawan; structure, and promotions outside the 2023
cycle, as well as employee promotions;
16. Dewan Komisaris menyetujui Rencana Bisnis 16. The Board of Commissioners approved the
Bank 2024-2026; Bank’s Business Plan for 2024–2026;
17. Dewan Komisaris menerima dan menyetujui 17. The Board of Commissioners receives and
kajian pembayaran uang penghargaan masa approves the review of the payment of service
kerja & paket penghargaan anggota Direksi dan awards and reward packages for members
usulan perubahan keanggotaan Komite Dewan of the Board of Directors and the proposed
Komisaris; dan changes to the membership of the Board of
Commissioners Committee; and
18. Dewan Komisaris merekomendasikan langkah- 18. The Board of Commissioners recommends
langkah perbaikan atas temuan audit SKAI Bank, corrective steps based on the audit findings
auditor eksternal dan Otoritas Jasa Keuangan of the Bank’s SKAI, external auditors, and the
yang berguna bagi Direksi dalam membuat Financial Services Authority, which are useful
kebijakan dan untuk memenuhi kepatuhan for the Board of Directors in making policies and
dengan peraturan perundang-undangan yang fulfilling compliance with applicable laws and
berlaku. regulations.
Rapat Dewan Komisaris Board of Commissioners Meeting
Kebijakan Rapat Meeting Policy
Kebijakan Rapat Dewan Komisaris diatur dalam The policy for the Board of Commissioners Meetings
Pedoman dan Tata Tertib Kerja Dewan Komisaris is regulated within the Guidelines and Rules of
Bank antara lain: Procedure for the Board of Commissioners’ Work of
the Bank, including:
1. Rapat Dewan Komisaris wajib diselenggarakan 1. Board of Commissioners Meetings must be held
secara berkala paling kurang 1 (satu) kali dalam regularly at least once every 2 (two) months.
2 (dua) bulan;
2. Dewan Komisaris wajib mengadakan rapat 2. The Board of Commissioners must hold joint
bersama Direksi secara berkala paling kurang 1 meetings with the Board of Directors regularly
(satu) kali dalam 4 (empat) bulan; at least once every 4 (four) months.
3. Wajib dihadiri seluruh anggota Dewan Komisaris 3. All members of the Board of Commissioners
secara fisik paling kurang 2 (dua) kali dalam must physically attend meetings at least twice a
setahun. Dalam hal anggota Dewan Komisaris year. In the event that Non-Independent Board
Non Independen tidak dapat menghadiri rapat of Commissioners members cannot attend the
secara fisik, maka dapat menghadiri rapat meeting physically, they may participate via
melalui teknologi telekonferens; teleconferencing technology.
4. Menyelenggarakan rapat Dewan Komisaris dan 4. Conduct Board of Commissioners meetings
rapat Dewan Komisaris bersama Direksi sesuai and joint meetings with the Board of Directors
dengan peraturan perundang-undangan yang in accordance with applicable laws and
berlaku; regulations.
5. Dewan Komisaris menjadwalkan rapat untuk 5. The Board of Commissioners schedules
tahun berikutnya sebelum berakhirnya tahun meetings for the following year before the end
buku; of the fiscal year.
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6. Pada rapat yang telah dijadwalkan, bahan 6. Meeting materials are provided to participants
rapat disampaikan kepada peserta rapat no later than 5 (five) days before the scheduled
paling lambat 5 (lima) hari sebelum rapat meeting.
diselenggarakan;
7. Dalam hal terdapat rapat yang diselenggarakan 7. In case of unscheduled meetings, meeting
di luar jadwal, bahan rapat disampaikan kepada materials are provided to participants before
peserta rapat paling lambat sebelum rapat the meeting is held.
diselenggarakan;
8. Rapat Dewan Komisaris adalah sah dan berhak 8. Board of Commissioners Meetings are valid and
mengambil keputusan yang mengikat jika have the authority to make binding decisions if
mayoritas anggota Dewan Komisaris yang the majority of serving Board of Commissioners
menjabat hadir atau diwakili dalam rapat members are present or represented at the
tersebut; meeting.
9. Pengambilan keputusan dalam rapat Dewan 9. Decision-making in Board of Commissioners
Komisaris dilakukan berdasarkan musyawarah Meetings is based on consensus.
mufakat;
10. Dalam hal tidak terjadi musyawarah 10. In the absence of consensus, decisions are
mufakat, pengambilan keputusan dilakukan made based on the agreement of more than ½
berdasarkan suara setuju lebih dari ½ (satu per (one half) of the valid votes cast at the respective
dua atau setengah) bagian dari jumlah suara meeting.
yang sah yang dikeluarkan dalam rapat yang
bersangkutan;
11. Apabila suara yang setuju dan yang tidak setuju 11. If the approving and dissenting votes are equal,
berimbang, ketua rapat Dewan Komisaris yang the Chairman of the Board of Commissioners
akan menentukan; will decide.
12. Dalam hal terjadi perbedaan pendapat 12. In case of dissenting opinions, they are
(dissenting opinion), dicantumkan secara jelas clearly stated in the minutes of the Board of
dalam risalah rapat Dewan Komisaris beserta Commissioners meeting along with the reasons
alasan perbedaan pendapat; for the dissent.
13. Dewan Komisaris dapat juga mengambil 13. The Board of Commissioners may also make
keputusan yang sah tanpa mengadakan valid decisions without holding a Board of
Rapat Dewan Komisaris, dengan ketentuan Commissioners Meeting, provided that all Board
semua anggota Dewan Komisaris telah of Commissioners members have been notified
diberitahu secara tertulis, dan memberikan in writing, agreed to the proposal, and signed
persetujuan mengenai usul yang diajukan the approval. Decisions made in this manner
serta menandatangani persetujuan tersebut. have the same validity as decisions made in a
Keputusan yang diambil dengan cara demikian Board of Commissioners Meeting.
mempunyai kekuatan yang sama dengan
keputusan yang diambil dengan sah dalam
Rapat Dewan Komisaris; dan
14. Segala keputusan yang diambil oleh Dewan 14. All decisions made by the Board of Commissioners
Komisaris bersifat mengikat dan menjadi are binding and the responsibility of all Board of
tanggung jawab bagi seluruh anggota Dewan Commissioners members.
Komisaris.
Realisasi Rapat Meeting Realization
Rapat Internal Internal Meeting
Sepanjang tahun 2023, Dewan Komisaris telah Throughout 2023, the Board of Commissioners has
melaksanakan rapat sebanyak 22 kali. Sebanyak held 22 meetings. A total of 15 were decisions in the
15 kali merupakan keputusan dalam bentuk form of circular resolutions as a substitute for Board
keputusan sirkuler sebagai pengganti rapat Dewan of Commissioners meetings, and 7 (seven) Board of
Komisaris dan 7 (tujuh) kali rapat Dewan Komisaris Commissioners meetings were via face-to-face and
melalui tatap muka dan konferensi video. Hal video conference. This has fulfilled the provisions as
ini telah memenuhi ketentuan sebagaimana stated in the relevant Financial Services Authority
yang tercantum dalam Peraturan Otoritas Jasa Regulations.
Keuangan terkait.
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Rapat Gabungan Joint Meeting
Sepanjang tahun 2023, Dewan Komisaris telah Throughout 2023, the Board of Commissioners has
mengikuti 3 (tiga) kali rapat gabungan dengan attended 3 (three) joint meetings with the Board of
Direksi. Beberapa agenda rapat yang dibahas, Directors. Some of the meeting agendas discussed
antara lain: included:
1. Financial Performance; 1. Financial Performance;
2. Business Performance Q1 2023; 2. Business Performance Q1 2023;
3. Revision of Targets and Achievement Strategy 3. Revision of Targets and Achievement Strategy
2023 of Consumer Banking; 2023 of Consumer Banking;
4. Highlight of Human Capital 2022; 4. Highlights of Human Capital 2022;
5. New OJK (Financial Services Authority) 5. New OJK (Financial Services Authority)
Regulation; Regulation;
6. Business Performance and Plan Q2 2023; 6. Business Performance and Plan Q2 2023;
7. Highlight of Zero Defect 2022 Champions; 7. Highlights of the Zero Defect 2022 Champions;
8. Hana Bank’s Q3 2023 Performance & Plan; dan 8. Hana Bank’s Q3 2023 Performance and Plan;
and
9. LINE Bank Strategy 2024. 9. LINE Bank Strategy 2024.
Hasil rapat Dewan Komisaris telah dituangkan The results of the Board of Commissioners’
dalam risalah rapat dan didokumentasikan meetings have been stated in the minutes of the
dengan baik, termasuk pengungkapan secara jelas meeting and are well documented, including clear
apabila terdapat perbedaan pendapat (dissenting disclosure if there are dissenting opinions and
opinions) beserta alasannya yang terjadi dalam the reasons for them occurring at the Board of
rapat Dewan Komisaris. Commissioners’ meetings.
Frekuensi dan Tingkat Kehadiran Dewan Komisaris
Frequency and Level of Attendance of the Board of Commissioners
Rapat Internal Dewan Komisaris Rapat Gabungan dengan Direksi Kehadiran di RUPS
BOC Internal Meetings Joint Meetings with BOD Attendance at AGMS
Nama Jabatan Jumlah Jumlah Jumlah Jumlah Jumlah
Jumlah
Name Position Rapat Kehadiran Rapat Kehadiran Kehadiran
RUPS
Number Number % Number Number % Number %
Number
of of of of of
of AGMS
Meetings Attendance Meetings Attendance Attendance
Sungwhan Komisaris Utama
Lee President 22 22 100 3 2 66,67 2 2 100
Commissioner
Eka Noor Komisaris
Asmara Independen
22 22 100 3 3 100 2 2 100
Independent
Commissioner
Dino Patti Komisaris
Djalal Independen
22 22 100 3 3 100 2 2 100
Independent
Commissioner
Pengembangan Kompetensi Dewan Board of Commissioners Competency
Komisaris Development
Kebijakan
Kebijakan pengembangan kompetensi yang The competency development policy that applies
berlaku di Bank Hana, antara lain mengacu pada at Hana Bank, among others, refers to POJK No.
POJK No. 24 Tahun 2022 tentang Pengembangan 24 of 2022 concerning Development of the Quality
Kualitas Sumber Daya Manusia Bank Umum. of Human Resources for Commercial Banks. This
Ketentuan tersebut menegaskan bahwa Bank provision emphasizes that the Bank are obliged to
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wajib melakukan pengelolaan Sumber Daya manage Human Resources (HR) and develop the
Manusia (SDM) dan pengembangan kualitas SDM quality of HR on an ongoing basis. In conjunction,
secara berkelanjutan. Bersamaan dengan itu, Bank the Bank allocate funds for these activities.
menyediakan dana untuk kegiatan tersebut.
Pengembangan Kompetensi Dewan Komisaris Competency Development of the Board of
mengacu pada bagian “Profil Dewan Komisaris” Commissioners refers to the “Profile of the Board of
pada bab “Profil Perusahaan” dalam Laporan Commissioners” section in the “Company Profile”
Tahunan ini. chapter of this Annual Report.
Penilaian Komite di Bawah Dewan Komisaris
Assessment of Committees under the Board of Commissioners
Prosedur, Kriteria, dan Pihak Dalam menilai kinerja terhadap komite-komite, Dewan Komisaris mengacu
yang Melakukan Penilaian kepada Governance Structure, Governance Process, dan Governance
Procedures, Criteria, and Parties Outcome. Kriteria dan pertimbangan penilaian komite tersebut berdasarkan
Conducting the Assessment pada laporan pelaksanaan tugas dan tanggung jawab yang disampaikan
oleh masing-masing komite secara berkala.
Sementara pemenuhan tugas dan tanggung jawab masing-masing komite
dinilai, antara lain dari jumlah rapat yang diadakan, keputusan yang diambil
saat pembahasan rapat atau risalah rapat dan lanjut. Pelaksanaan kerja
komite dan pelaporan aktivitas komite digunakan menjadi acuan dalam
penilaian kinerja komite-komite di bawah Dewan Komisaris.
In assessing the performance of committees, the Board of Commissioners
refers to the Governance Structure, Governance Process and Governance
Outcome. The committee's assessment criteria and considerations are based
on reports on the implementation of duties and responsibilities submitted
by each committee periodically.
Meanwhile, the fulfillment of the duties and responsibilities of each
committee is assessed, among other things, by the number of meetings held,
decisions taken during meeting discussions or minutes of meetings, and
more. The implementation of committee work and reporting on committee
activities is used as a reference in assessing the performance of committees
under the Board of Commissioners.
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Hasil Penilaian Komite Audit
Assessment Result Berdasarkan hasil penilaian untuk tahun buku 2023, Komite Audit dinilai
telah membantu Dewan Komisaris dengan baik melalui pelaksanaan
evaluasi dan pemantauan yang efektif menyangkut aspek transparansi,
akuntabilitas, serta kepatuhan. Hal ini dilakukan dengan memastikan
terselenggaranya proses pelaporan keuangan sesuai dengan standar
akuntansi keuangan yang berlaku, melakukan tinjauan dan evaluasi untuk
meyakinkan terselenggaranya proses audit intern dan eksternal yang
independen dan obyektif, memantau kecukupan sistem pengendalian
intern, serta terselenggaranya praktik tata kelola yang sehat.
Komite Pemantau Risiko
Berdasarkan hasil penilaian untuk tahun buku 2023, Komite Pemantau Risiko
dinilai telah melakukan, antara lain evaluasi dan pemberian rekomendasi
atas kebijakan manajemen risiko serta pemantauan terselenggaranya tugas
SKMR yang independen dan pemberian rekomendasi untuk hal-hal relevan
yang memerlukan perhatian Dewan Komisaris.
Komite Remunerasi dan Nominasi
Berdasarkan hasil penilaian untuk tahun buku 2023, Komite Remunerasi
dan Nominasi dinilai telah membahas dan memberikan masukan kebijakan
remunerasi bagi Dewan Komisaris dan Direksi yang telah disampaikan dalam
RUPS, serta kebijakan remunerasi bagi Pejabat Eksekutif dan pegawai yang
telah disampaikan kepada Direksi. Komite juga telah melakukan fungsi kerja
dengan baik dalam hal nominasi dan remunerasi.
Dewan Komisaris melaksanakan tugas pengawasan terhadap pelaksanaan
tugas dan tanggung jawab Direksi melalui rapat formal, informal, dan rapat
secara periodik dengan Direksi. Pada rapat bersama dengan Direksi, Dewan
Komisaris mengarahkan, memantau, dan mengevaluasi pelaksanaan
kebijakan dan inisiatif strategis Bank.
Hasil Penilaian Audit Committee
Assessment Result Based on the assessment results for the 2023 financial year, the Audit
Committee is considered to have assisted the Board of Commissioners
well through implementing effective evaluation and monitoring regarding
aspects of transparency, accountability, and compliance. This is done by
ensuring that the financial reporting process is carried out in accordance
with applicable financial accounting standards, conducting reviews and
evaluations to ensure that independent and objective internal and external
audit processes are carried out, monitoring the adequacy of the internal
control system, and implementing sound governance practices.
Risk Monitoring Committee
Based on the assessment results for the 2023 financial year, the Risk
Monitoring Committee is assessed as having carried out, among other
things, evaluation and providing recommendations on risk management
policies, as well as monitoring the implementation of independent SKMR
tasks and providing recommendations for relevant matters that require the
attention of the Board of Commissioners.
Remuneration and Nomination Committee
Based on the assessment results for the 2023 financial year, the Remuneration
and Nomination Committee is assessed to have discussed and provided input
on the remuneration policy for the Board of Commissioners and the Board
of Directors, which was submitted at the GMS, as well as the remuneration
policy for Executive Officers and employees, which was submitted to the
Board of Directors. The committee has also carried out its work well in terms
of nomination and remuneration.
The Board of Commissioners carries out its supervisory duties over the
implementation of the duties and responsibilities of the Board of Directors
through formal, informal, and periodic meetings with the Board of Directors.
At joint meetings with the Board of Directors, the Board of Commissioners
directs, monitors, and evaluates the implementation of the Bank's strategic
policies and initiatives.
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Dewan Komisaris melaksanakan tugas pengawasan The Board of Commissioners carries out its
terhadap pelaksanaan tugas dan tanggung jawab supervisory duties over the implementation of
Direksi melalui rapat formal, informal, dan rapat the duties and responsibilities of the Board of
secara periodik dengan Direksi. Pada rapat bersama Directors through formal, informal, and periodic
dengan Direksi, Dewan Komisaris mengarahkan, meetings with the Board of Directors. At joint
memantau, dan mengevaluasi pelaksanaan meetings with the Board of Directors, the Board
kebijakan dan inisiatif strategis Bank. of Commissioners directs, monitors, and evaluates
the implementation of the Bank’s strategic policies
and initiatives.
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Direksi
Board of Directors
Direksi merupakan organ Bank yang bertanggung The Board of Directors is the Bank’s organ and is
jawab atas seluruh aktivitas operasional Bank, responsible for all operational activities of the Bank,
termasuk terlaksananya penerapan tata kelola including the effective and optimal implementation
perusahaan yang baik yang efektif dan optimal of good corporate governance at all levels of
pada seluruh jenjang organisasi. Direksi juga wajib the organization. The Board of Directors is also
menyampaikan laporan pertanggungjawaban required to submit an accountability report on the
pelaksanaan tugas dan tanggung jawab sepanjang implementation of their duties and responsibilities
tahun buku pada saat RUPS Tahunan. throughout the financial year at the Annual GMS.
Komposisi Direksi Composition of the Board of Directors
Bank Hana telah memenuhi ketentuan jumlah dan Hana Bank has fulfilled the requirements for the
komposisi anggota Direksi sesuai dengan Peraturan number and composition of members of the Board
OJK No. 17 tahun 2023 tentang Penerapan Tata of Directors in accordance with OJK Regulation
Kelola bagi Bank Umum yang mengatur bahwa No. 17 of 2023 concerning the Implementation of
bank wajib memiliki paling sedikit 3 (tiga) orang Governance for Commercial Banks, which regulates
anggota Direksi. Per tanggal 31 Desember 2023, that banks are required to have at least 3 (three)
jumlah anggota Direksi Bank Hana adalah 7 (tujuh) members of the Board of Directors. As of December
orang yang terdiri dari: 31, 2023, the number of members of Bank Hana’s
1. Seorang Direktur Utama; Board of Directors was 7 (seven), consisting of:
2. Seorang Direktur Keuangan; 1. A President Director;
3. Seorang Direktur Teknologi Informasi; 2. A Finance Director;
4. Seorang Direktur Kepatuhan & Legal; 3. An Information Technology Director;
5. Seorang Direktur Bisnis; 4. A Compliance & Legal Director;
6. Seorang Direktur Kredit; serta 5. A Business Director;
7. Seorang Direktur Perbankan Konsumer. 6. A Credit Director; and
7. A Consumer Banking Director
Pada tahun 2023, Bank Hana mengalami perubahan In 2023, Hana Bank experienced changes in the
susunan anggota Direksi sebagai berikut: composition of the Board of Directors as follows:
1. Berdasarkan keputusan RUPS Luar Biasa Tahun 1. Based on the resolution of the 2023 Extraordinary
2023 tanggal 17 April 2023: GMS dated April 17, 2023:
a. Menerima pengunduran diri Hang Keun a. Accept the resignation of Hang Keun Cho as
Cho sebagai Direktur Bank; dan Bank Director; and
b. Pengangkatan Seong Hyeok Mun sebagai b. Appointment of Seong Hyeok Mun as Bank
Direktur Bank. Director.
2. Berdasarkan keputusan RUPS Tahunan Tahun 2. Based on the resolution of the 2023 Annual GMS
2023 tanggal 9 Juni 2023: dated June 9, 2023:
a. Menerima pengunduran diri Junita a. Accept the resignation of Junita
Wangsadinata sebagai Direktur Bank; Wangsadinata as Bank Director;
b. Pengangkatan Geoffry Nugraha sebagai b. Appointment of Geoffry Nugraha as Bank
Direktur Bank; dan Director; and
c. Pengangkatan kembali Bayu Wisnu c. Reappointment of Bayu Wisnu Wardhana
Wardhana dan Sang Keun Kwak sebagai and Sang Keun Kwak as Bank Directors.
Direktur Bank.
Informasi mengenai susunan Anggota Direksi Information regarding the composition of the
Bank diuraikan sebagai berikut: Bank’s Board of Directors is described as follows:.
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Susunan Direksi per Tanggal 31 Desember 2023
Composition of the Board of Directors as of December 31, 2023
Tanggal Pengangkatan dan Tanggal Efektif
Nama dan Jabatan Berakhirnya Jabatan Menjabat
Status
Name and Position Date of Appointmen and Expiration Effective Date of
of Term of Office Position
Jong Jin Park WNA RUPS Tahunan tanggal 3 Juni 3 Juni 2022
Direktur Utama Foreigner 2022-penutupan RUPS Tahunan 2024 June 3, 2022
President Director Annual GMS on June 3, 2022-closing
of the 2024 Annual GMS
Seong Hyeok Mun WNA RUPS Luar Biasa tanggal 17 April 5 Mei 2023
Direktur Keuangan Indonesian 2023-penutupan RUPS Tahunan May 5, 2023
Finance Director Citizen 2024
Annual GMS on April 17, 2023-closing
of the 2024 Annual GMS
Sang Keun Kwak WNA RUPS Tahunan 9 Juni 2023– 9 Juni 2023
Direktur Teknologi Foreigner penutupan RUPS Tahunan 2025 June 9, 2023
Informasi Annual GMS on June 9, 2023-closing
Information Technology of the 2025 Annual GMS
Director
Bayu Wisnu Wardhana WNI RUPS Tahunan 9 Juni 2023– 9 Juni 2023
Direktur Kepatuhan dan Indonesian penutupan RUPS Tahunan 2024 June 9, 2023
Legal Citizen Annual GMS on June 9, 2023-closing
Compliance and Legal of the 2024 Annual GMS
Director
Ratna Ningsih WNI RUPS Tahunan tanggal 3 Juni 3 Juni 2022
Direktur Kredit Indonesian 2022-penutupan RUPS Tahunan 2024 June 3, 2022
Credit Director Citizen Annual GMS on June 3, 2022-closing
of the 2024 Annual GMS
Geoffry Nugraha1) WNI RUPS Tahunan 9 Juni 2023– 15 Agustus 2023
Direktur Bisnis Indonesian penutupan RUPS Tahunan 2025 August 15, 2023
Business Director Citizen Annual GMS on June 9, 2023-closing
of the 2025 Annual GMS
Anton Hermawan2) WNI RUPS Tahunan tanggal 3 Juni 3 Juni 2022
Direktur Perbankan Indonesian 2022-penutupan RUPS Tahunan 2024 June 3, 2022
Konsumer Citizen Annual GMS on June 3, 2022-closing
Consumer banking of the 2024 Annual GMS
Director
Keterangan | Note:
1)
Efektif menjabat sebagai Direktur Perseroan pada tanggal 15 Agustus 2023.
2)
Efektif mengundurkan diri sebagai Direktur Perseroan pada tanggal 1 Januari 2024.
1)
Effectively serving as Director of the Company on August 15 2023.
2)
Effectively resign as Director of the Company on January 1 2024.
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Ikhtisar Utama 2023 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen
Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Susunan Direksi per Tanggal 9 Juni 2023 (Pelaksanaan RUPS Tahunan)
Composition of the Board of Directors as of June 9, 2023 (Implementation of the Annual GMS)
Tanggal Pengangkatan dan Tanggal Efektif
Nama dan Jabatan Berakhirnya Jabatan Menjabat
Status
Name and Position Date of Appointment and Expiration Effective Date of
of Term of Office Position
Jong Jin Park WNA RUPS Tahunan tanggal 3 Juni 3 Juni 2022
Direktur Utama Foreigner 2022-penutupan RUPS Tahunan 2024 June 3, 2022
President Director Annual GMS on June 3, 2022-closing of
the 2024 Annual GMS
Hang Keun Cho 1) WNA RUPS Tahunan tanggal 3 Juni 3 Juni 2022
Direktur Keuangan Foreigner 2022-penutupan RUPS Tahunan 2024 June 3, 2022
Finance Director Annual GMS on June 3, 2022-closing of
the 2024 Annual GMS
Sang Keun Kwak2) WNA RUPS Luar Biasa 30 Maret 2021– 1 Juli 2021
Direktur Teknologi Foreigner penutupan RUPS Tahunan 2023 July 1, 2021
Informasi Annual GMS on March 30, 2021-closing
Information Technology of the 2023 Annual GMS
Director
Bayu Wisnu Wardhana3) WNI RUPS Tahunan tanggal 3 Juni 3 Juni 2022
Direktur Kepatuhan dan Indonesian 2022-penutupan RUPS Tahunan 2023 June 3, 2022
Legal Citizen Annual GMS on June 3, 2022-closing of
Compliance and Legal the 2023 Annual GMS
Director
Ratna Ningsih WNI RUPS Tahunan tanggal 3 Juni 3 Juni 2022
Direktur Kredit Indonesian 2022-penutupan RUPS Tahunan 2024 June 3, 2022
Credit Director Citizen Annual GMS on June 3, 2022-closing of
the 2024 Annual GMS
Junita Wangsadinata4) WNI RUPS Tahunan tanggal 3 Juni 3 Juni 2022
Direktur Bisnis Indonesian 2022-penutupan RUPS Tahunan 2024 June 3, 2022
Business Director Citizen Annual GMS on June 3, 2022-closing of
the 2024 Annual GMS
Anton Hermawan WNI RUPS Tahunan tanggal 3 Juni 3 Juni 2022
Direktur Perbankan Indonesian 2022-penutupan RUPS Tahunan 2024 June 3, 2022
Konsumer Citizen Annual GMS on June 3, 2022-closing of
Consumer Banking the 2024 Annual GMS
Director
Seong Hyeok Mun5) WNA RUPS Luar Biasa tanggal 17 April 5 Mei 2023
Direktur Keuangan Foreigner 2023-penutupan RUPS Tahunan 2024 May 5, 2023
Finance Director Annual GMS on April 3, 2023-closing of
the 2024 Annual GMS
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Operational Aspects Corporate Governance Sustainability Report Financial Statements
Susunan Direksi per Tanggal 9 Juni 2023 (Pelaksanaan RUPS Tahunan)
Composition of the Board of Directors as of June 9, 2023 (Implementation of the Annual GMS)
Tanggal Pengangkatan dan Tanggal Efektif
Nama dan Jabatan Berakhirnya Jabatan Menjabat
Status
Name and Position Date of Appointment and Expiration Effective Date of
of Term of Office Position
Geoffry Nugraha6) WNI RUPS Tahunan 9 Juni 2023– 15 Agustus 2023
Direktur Bisnis penutupan RUPS Tahunan 2025 August 15, 2023
Business Director Annual GMS on June 9, 2023-closing of
the 2025 Annual GMS
Keterangan | Note:
1. Efektif mengundurkan diri sebagai Direktur Perseroan pada tanggal 5 Mei 2023;
2. Diangkat kembali sebagai Direktur Perseroan pada RUPS Tahunan tanggal 9 Juni 2023;
3. Diangkat kembali sebagai Direktur Perseroan pada RUPS Tahunan tanggal 9 Juni 2023;
4. Efektif mengundurkan diri sebagai Direktur Perseroan berlaku efektif sejak penutupan RUPS Tahunan tanggal 9 Juni 2023;
5. Diangkat sebagai Direktur Perseroan pada RUPS Luar Biasa tanggal 17 April 2023. Efektif menjabat sebagai Direktur Perseroan pada 5 Mei 2023;
dan
6. Diangkat sebagai Direktur Perseroan pada RUPS Tahunan 9 Juni 2023 dengan ketentuan pengangkatan tersebut hanya akan berlaku efektif
setelah mendapat persetujuan dari OJK.
1. Effectively resigned as Director of the Company on May 5, 2023;
2. Reappointed as Director of the Company at the Annual GMS on June 9, 2023;
3. Reappointed as Director of the Company at the Annual GMS on June 9, 2023;
4. Effectively Resigned as Director of the Company effective from the closing of the Annual GMS on June 9, 2023;
5. Appointed as Director of the Company at the Extraordinary GMS on April 17, 2023. Effectively served as Director of the Company on May 5, 2023; and
6. Appointed as Director of the Company at the Annual GMS on June 9, 2023, with the provision that the appointment will only become effective upon
obtaining approval from the OJK.
Program Orientasi bagi Direksi Baru Orientation Program for New Board of
Directors
Bank Hana memiliki program orientasi dan Hana Bank has an orientation and introduction
pengenalan bagi anggota Direksi baru. Program program for new members of the Board of Directors.
ini bertujuan untuk memberikan pemahaman This program aims to provide an understanding
tentang Visi, Misi, Nilai Bank Hana, strategi dan of Hana Bank’s Vision, Mission, Values, medium-
rencana jangka menengah dan panjang, kinerja, and long-term strategies and plans, performance,
keuangan, kode etik, struktur organisasi, lini finance, code of ethics, organizational structure,
bisnis, pedoman dan tata tertib kerja Direksi, business lines, the Board of Directors Charter, as
serta peraturan-peraturan perbankan. Sepanjang well as banking regulations. Throughout 2023, there
tahun 2023, terdapat 2 anggota Direksi baru yang were 2 new members of the Board of Directors
mengikuti program tersebut. participating in the program.
Tugas dan Tanggung Jawab Duties And Responsibilities
Tugas dan tanggung jawab utama Direksi adalah The main duties and responsibilities of the Board of
mengelola operasional Bank agar tercapai tujuan Directors are to manage the Bank’s operations to
yang selaras dengan Visi dan Misi Bank. Tugas dan achieve goals that are in line with the Bank’s Vision
tanggung jawab tersebut meliputi namun tidak and Mission. These duties and responsibilities
terbatas pada: include, but are not limited to:
1. Bertanggung jawab penuh atas pelaksanaan 1. Take full responsibility for carrying out
kepengurusan Bank secara profesional professional management of the Bank by
dengan mengedepankan prinsip kehati-hatian prioritizing the principle of prudence (prudential
(prudential banking practices) serta wajib banking practices) and must be accountable for
mempertanggungjawabkan pelaksanaan the implementation of its duties to Shareholders
tugasnya kepada Pemegang Saham melalui through the GMS;
RUPS;
2. Mengelola Bank sesuai dengan kewenangan 2. Manage the Bank in accordance with its
dan tanggung jawabnya sebagaimana diatur authority and responsibilities as regulated in
dalam Anggaran Dasar, peraturan perundang- the Articles of Association, applicable laws and
undangan yang berlaku, dan ketentuan internal regulations, and the Bank’s internal regulations;
Bank;
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3. Melaksanakan prinsip-prinsip tata kelola dalam 3. Implement governance principles in every Bank
setiap kegiatan usaha Bank pada seluruh business activity at all stages or levels of the
tingkatan atau jenjang organisasi, di mana organization, where the Board of Directors has
Direksi telah membentuk satuan kerja/ komite, formed work units/committees, including SKAI,
antara lain SKAI, SKMR, Satuan Kerja Kepatuhan SKMR, Compliance Work Unit (SKK), and Risk
(SKK), serta Komite Manajemen Risiko; Management Committee;
4. Menindaklanjuti temuan audit dan 4. Follow up on audit findings and
rekomendasi dari SKAI Bank, auditor ekstern, recommendations from Bank SKAI, external
hasil pengawasan Otoritas Jasa Keuangan, dan/ auditors, results of supervision by the Financial
atau otoritas lainnya; serta Services Authority, and/or other authorities; and
5. Menyusun Visi, Misi, Nilai-nilai, dan Strategi 5. Develop the Bank’s Vision, Mission, Values and
Bank, serta program jangka panjang (rencana Strategy, as well as long-term (company plans)
perusahaan) dan jangka pendek untuk dibahas and short-term programs to be discussed,
dan memperoleh persetujuan dari Dewan and obtain approval from the Board of
Komisaris atau RUPS sesuai dengan ketentuan Commissioners or GMS in accordance with the
Anggaran Dasar. provisions of the Articles of Association.
Pembagian Tugas dan Tanggung Division of Duties and Responsibilities
Jawab
Masing-masing anggota Direksi mempunyai tugas Each member of the Board of Directors has duties
dan tanggung jawab sebagaimana diuraikan and responsibilities as described below:
berikut:
Jabatan Tugas dan Tanggung Jawab
Position Duties and Responsibilities
Direktur Utama 1. Bertanggung jawab menyusun strategi, merencanakan, dan memimpin
President Director operasional Bank guna memenuhi tujuan dan sasaran sebagai Bank
terbaik di Indonesia yang berfokus pada nasabah; dan
2. Bertanggung jawab atas Divisi Audit Internal, Divisi Strategy Planning,
Divisi Learning and Talent Development, Chief Risk Officer, dan Chief
Human Capital & Operation Officer.
1. Responsible for developing strategies, planning, and leading the Bank's
operations to fulfill the goals and objectives of becoming the best bank in
Indonesia that focuses on customers; and
2. Responsible for the Internal Audit Division, Strategy Planning Division,
Learning and Talent Development Division, Chief Risk Officer, and Chief
Human Capital & Operation Officer.
Direktur Keuangan 1. Untuk mengelola risiko keuangan Bank, perencanaan keuangan dan
Finance Director pencatatan, serta pelaporan keuangan untuk manajemen;
2. Menyusun proyeksi keuangan dan rencana kegiatan usaha Bank sebagai
panduan perencanaan bisnis jangka menengah dalam Rencana Bisnis
Bank dan jangka panjang dalam corporate plan, membuat analisis kinerja
Bank dalam pencapaian realisasi Rencana Bisnis Bank secara berkala,
serta menyelenggarakan pengendalian dan pengawasan terhadap biaya
(cost control) maupun anggaran tahunan (budget control);
3. Mengembangkan sistem informasi manajemen secara akurat, tepat
waktu, dan terintegrasi, yang berguna untuk pengambilan keputusan,
kebutuhan bisnis, dan pelaporan; serta
4. Bertanggung jawab atas Divisi Treasury, Divisi Global Marketing, Divisi
Finance Planning, Divisi Tax, Divisi Business Performance & Analytic, dan
Departemen General Affair.
1. To manage the Bank's financial risks, financial planning and recording, as
well as financial reporting for management;
2. Prepare financial projections and plans for the Bank's business activities to
guide medium-term business plans in the Bank's Business Plan and long-
term in the corporate plan; analyze the Bank's performance in achieving
the realization of the Bank's Business Plan on a regular basis; and carry out
control and supervision of costs (cost control ) as well as the annual budget
(budget control);
3. Develop an accurate, timely, and integrated management information
system that is useful for decision making, business needs, and reporting;
and
4. Responsible for the Treasury Division, Global Marketing Division, Finance
Planning Division, Tax Division, Business Performance & Analytics Division,
and General Affairs Department.
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Jabatan Tugas dan Tanggung Jawab
Position Duties and Responsibilities
Direktur Teknologi Informasi 1. Mengembangkan strategi yang berkaitan dengan infrastruktur organisasi
Information Technology TI (computer, sistem informasi, keamanan, dan sistem komunikasi) untuk
Director memaksimalkan proses bisnis perbankan dengan memanfaatkan potensi
teknologi informasi;
2. Memastikan tata kelola yang tepat, manajemen risiko, dan manajemen
kepatuhan semua sistem dan proses Teknologi Informasi dalam
mendukung operasional bisnis;
3. Memberikan konsultasi dengan para pemangku kepentingan di tingkat
senior pada seluruh organisasi untuk mengidentifikasi kebutuhan bisnis
dan teknologi serta untuk mengoptimalkan penggunaan Teknologi
Informasi; dan
4. Bertanggung jawab atas Divisi Digital Banking IT Specialist, Divisi
Information Technology, Departemen IT Governance and Risk,
Departemen IT Core Banking, Data Centre and Technical, Departemen
IT Operation, Divisi IT PMO, Departemen Data Centre and Technical, dan
Departemen IT MIS.
1. Develop strategies related to IT organizational infrastructure (computers,
information systems, security, and communication systems) to maximize
banking business processes by utilizing the potential of information
technology;
2. Ensure proper governance, risk management, and compliance
management of all Information Technology systems and processes
supporting business operations;
3. Provide consultation with stakeholders at senior levels throughout the
organization to identify business and technology needs and optimize the
use of Information Technology; and
4. Responsible for the Digital Banking IT Specialist Division, Information
Technology Division, IT Governance and Risk Department, IT Core Banking
Department, Data Center and Technical, IT Operation Department, IT PMO
Division, Data Center and Technical Department, and IT MIS Department.
Direktur Kepatuhan & Legal 1. Merumuskan strategi guna mendorong terciptanya Budaya Kepatuhan
Compliance & Legal Director Bank dan mengusulkan kebijakan kepatuhan atau prinsip-prinsip
kepatuhan yang akan ditetapkan oleh Direksi;
2. Memastikan bahwa seluruh kebijakan, ketentuan, sistem, dan prosedur,
serta kegiatan usaha yang dilakukan Bank telah sesuai dengan ketentuan-
ketentuan regulator dan peraturan perundang-undangan yang berlaku;
3. Melakukan pengawasan atas pelaksanaan program Anti Pencucian Uang
dan Pencegahan Pendanaan Terorisme;
4. Memberikan informasi kepada Anggota Direksi dan Dewan Komisaris
mengenai kondisi pasar keuangan yang mencakup perkembangan pasar
valuta asing, pasar keuangan, lembaga keuangan, dan pasar sekuritas;
serta
5. Bertanggung jawab atas Divisi Kepatuhan, Divisi AMLO CTF, Divisi Legal,
Divisi Litigasi, Departemen Network & Distribution, dan Departemen
Process Management.
1. Formulate a strategy to encourage the creation of a Bank Compliance
Culture and propose a compliance policy or compliance principles that will
be determined by the Board of Directors;
2. Ensure that all policies, provisions, systems, and procedures, as well
as business activities carried out by the Bank are in accordance with
regulatory provisions and applicable laws and regulations;
3. Supervise the implementation of the Anti-Money Laundering and Counter-
Terrorism Financing program;
4. Provide information to members of the Board of Directors and Board
of Commissioners regarding financial market conditions, including
developments in the foreign exchange market, financial markets, financial
institutions, and securities markets; and
5. Responsible for the Compliance Division, AMLO CTF Division, Legal
Division, Litigation Division, Network & Distribution Department, and
Process Management Department.
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Jabatan Tugas dan Tanggung Jawab
Position Duties and Responsibilities
Direktur Kredit 1. Melakukan review, memberikan rekomendasi, dan/atau memastikan
Credit Director bahwa bank mengimplementasikan kerangka manajemen risiko untuk 8
jenis risiko yang ada secara keseluruhan dan risiko kredit khususnya;
2. Memastikan Bank sudah memiliki Kebijakan dan Standar Operasional
Prosedur (SOP), khususnya sistem untuk produk kredit sejalan dengan risk
appetite Bank dan sudah sesuai regulasi yang ditetapkan oleh Otoritas
Jasa Keuangan (OJK);
3. Memastikan tata kelola perusahaan yang baik diimplementasikan dan
dikelola secara seimbang sebagai bagian dalam penerapan manajemen
risiko bank; dan
4. Bertanggung jawab atas Divisi Credit Review, Divisi Special Asset
Management and Appraisal, dan Departemen Credit Administration.
1. Review, provide recommendations, and/or ensure that the bank
implements a risk management framework for the 8 types of risk as a
whole and credit risk in particular;
2. Ensure that the Bank has Policies and Standard Operating Procedures
(SOP), especially systems for loan products that are in line with the Bank's
risk appetite and comply with regulations set by the Financial Services
Authority (OJK);
3. Ensure that good corporate governance is implemented and managed in
a balanced manner as part of implementing bank risk management; and
4. Responsible for the Credit Review Division, Special Asset Management
and Appraisal Division, and Credit Administration Department.
Direktur Bisnis 1. Memantau perencanaan strategis dan arah Bank, mengawasi
Business Director pertumbuhan business, mengembangkan, menerapkan, dan mencapai
target tahunan sebagaimana ditetapkan dalam Rencana Bisnis Bank;
2. Monitor perkembangan produk-produk funding dalam memperoleh
nasabah baru maupun dari nasabah lama dengan strategi pemasaran
yang telah ditetapkan sehingga dapat memenuhi target bisnis, terutama
nasabah corporate dan financial institutional;
3. Membangun hubungan kerja sama dan meningkatkan reputasi Bank
di mata bank-bank koresponden, bank domestik maupun luar negeri,
sehingga memberikan dukungan optimal terhadap transaksi-transaksi
ekspor, impor, dan remitansi;
4. Mengoordinasikan pengembangan strategi pemasaran untuk
pertumbuhan bisnis, baik dari sisi peminjaman maupun pendanaan agar
sesuai dengan target Rencana Bisnis Bank maupun sasaran bisnis jangka
panjang melalui aktivitas yang berdasarkan segmentasi korporasi; dan
5. Bertanggung jawab atas Chief Business Officer, Divisi Sales and
Distribution, Divisi SME, Divisi Commercial Banking, Divisi Corporate
Banking, Divisi Private Banking, Divisi Transaction Banking and
Partnership, Divisi International Banking, dan Divisi Business Support.
1. Monitor the Bank's strategic planning and direction, oversee business
growth, develop, implement, and achieve annual targets as set out in the
Bank's Business Plan;
2. Monitor the development of funding products to obtain new and existing
customers with predetermined marketing strategies so that they can
meet business targets, especially corporate and financial institutional
customers;
3. Building cooperative relationships and improving the Bank's reputation in
the eyes of correspondent banks and domestic and foreign banks, thereby
providing optimal support for export, import, and remittance transactions;
4. Coordinate the development of marketing strategies for business growth,
both in terms of lending and funding, so that they are in line with the
Bank's Business Plan targets and long-term business targets through
activities based on corporate segmentation; and
5. Responsible for the Chief Business Officer, Sales and Distribution Division,
SME Division, Commercial Banking Division, Corporate Banking Division,
Private Banking Division, Transaction Banking and Partnership Division,
International Banking Division, and Business Support Division.
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Jabatan Tugas dan Tanggung Jawab
Position Duties and Responsibilities
Direktur Perbankan Konsumer 1. Mengelola serta mengkomunikasikan visi dan strategi consumer banking
Consumer Banking Director kepada seluruh pemangku kepentingan di Bank Hana;
2. Memberikan saran strategis kepada Bank sehingga mereka memiliki
pandangan yang akurat mengenai kondisi pasar dan masa depan dari lini
bisnis konsumer dan digital;
3. Memahami perkembangan digital dan dampaknya terhadap strategi
inovasi dan bisnis bank serta memelopori pengembangan produk digital
secara berkesinambungan; dan
4. Bertanggung jawab atas Divisi Digital Business Strategy, Divisi
Loan Product, Divisi Contact Center and Collection, Divisi E-Channel
Management, Divisi Funding Product and Digital Marketing, Divisi CSS and
Policy Management, dan Departemen Technology Product Development.
1. Manage and communicate the consumer banking vision and strategy to
all stakeholders at Hana Bank;
2. Provide strategic advice to the Bank so that they have an accurate view of
market conditions and the future of consumer and digital business lines;
3. Understand digital developments and their impact on bank innovation
and business strategies and pioneer the continuous development of
digital products; and
4. Responsible for the Digital Business Strategy Division, Loan Product
Division, Contact Center and Collection Division, E-Channel Management
Division, Funding Product and Digital Marketing Division, CSS and
Policy Management Division, and Technology Product Development
Department.
Pedoman dan Tata Tertib Kerja Direksi Board of Director Charter
Direksi memiliki Pedoman dan Tata Tertib Kerja The Board of Directors has a Charter that is prepared
Direksi yang disusun berdasarkan peraturan yang based on applicable Indonesian regulations,
berlaku di Indonesia terutama peraturan Otoritas especially the Financial Services Authority
Jasa Keuangan tentang Tata Kelola Perusahaan. regulations regarding Corporate Governance. The
Pedoman dan Tata Tertib Kerja Direksi senantiasa Board of Directors’ Charter is always reviewed
dikaji secara berkala. Dalam Pedoman dan Tata periodically. In the Board of Directors’ Charter, there
Tertib Kerja Direksi, terdapat prinsip-prinsip yang are principles that the Board of Directors must
harus selalu diperhatikan oleh Direksi, antara lain: always pay attention to, including:
1. Direksi harus mengelola Bank sesuai dengan 1. The Board of Directors must manage the
kewenangan dan tanggung jawab sebagaimana Bank in accordance with the authority and
diatur dalam Anggaran Dasar dan undang- responsibilities as regulated in the Articles of
undang, serta peraturan yang berlaku; Association and applicable laws and regulations;
2. Tidak memanfaatkan Bank Hana untuk 2. Does not use Hana Bank for personal, family,
kepentingan pribadi, keluarga, dan/atau and/or other party interests that are detrimental
pihak lain yang merugikan atau mengurangi to or reduce Hana Bank’s profits; and
keuntungan Bank Hana; dan
3. Tidak mengambil dan/atau menerima 3. Does not take and/or receive personal benefits
keuntungan pribadi dari Bank Hana selain from Hana Bank other than remuneration and
remunerasi dan fasilitas lainnya yang ditetapkan other facilities determined by the GMS.
RUPS.
Independensi dan Rangkap Jabatan Independence and Concurrent
Positions
Seluruh anggota Direksi Bank menjunjung tinggi All members of the Bank’s Board of Directors
aspek independensi dan bersikap profesional. uphold the principle of independence and behave
Direksi senantiasa bekerja secara objektif untuk professionally. The Board of Directors always works
memberikan kontribusi bagi kemajuan Bank objectively to contribute to the progress of the Bank
serta berupaya menjauhkan kepentingan pribadi and strives to avoid personal interests or conflicts
atau benturan kepentingan, khususnya dalam of interest, especially in managing and making
melakukan pengelolaan dan pengambilan business decisions for the Bank.
keputusan bisnis Bank.
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Selain itu, seluruh anggota Direksi memiliki In addition, all members of the Board of Directors
integritas, kompetensi, dan reputasi keuangan have adequate and proven integrity, competence,
yang memadai dan teruji. Tidak terdapat rangkap and financial reputation. There are no concurrent
jabatan dari seluruh anggota Direksi, baik rangkap positions for all members of the Board of Directors,
jabatan sebagai Komisaris, Direksi, maupun whether concurrent positions as Commissioners,
Pejabat Eksekutif pada Bank lain, perusahaan dan Directors, or Executive Officers at other banks,
atau lembaga lain, kondisi ini telah disyaratkan companies, and/or institutions. This condition
dan telah dipastikan dengan surat pernyataan has been required and has been confirmed by
sebelum pengajuan ke Otoritas Jasa Keuangan. a statement letter prior to submission to the
Seluruh anggota Direksi juga tidak memiliki Financial Services Authority. All members of the
hubungan keluarga sampai dengan derajat kedua Board of Directors also have no family relationships
dan hubungan keuangan dengan anggota Dewan up to the second degree or financial relationships
Komisaris, anggota Direksi lainnya, dan/atau with members of the Board of Commissioners,
Pemegang Saham Pengendali Bank. other members of the Board of Directors, and/or
Controlling Shareholders of the Bank.
Setiap pengangkatan/penggantian seluruh Direksi Every appointment/replacement of all
telah sesuai dengan rekomendasi dari Komite Board of Directors is in accordance with the
Remunerasi dan Nominasi serta telah disetujui recommendations of the Remuneration and
oleh RUPS. Nomination Committee and has been approved by
the GMS.
Pelaksanaan Tugas dan Tanggung Implementation of Duties and
Jawab Direksi Responsibilities of the Board of
Directors
Pelaksanaan operasional Bank oleh Direksi The implementation of Bank operations by the
berlandaskan pada prinsip-prinsip Tata Kelola aspek Board of Directors is based on the principles of
transparansi dan segregasi fungsi dan tanggung Governance, aspects of transparency, and clear
jawab yang jelas. Sementara itu, pelaksanaan tugas segregation of functions and responsibilities.
dan tanggung jawab Direksi ditunjukkan pada Meanwhile, the implementation of the duties
pembahasan agenda rapat Direksi yang dapat and responsibilities of the Board of Directors is
diadakan setiap waktu apabila dianggap perlu atas demonstrated in the discussion of the Board of
permintaan satu atau lebih anggota Direksi. Directors meeting agenda, which can be held at
any time if deemed necessary at the request of one
or more members of the Board of Directors.
Sepanjang kurun waktu tahun 2023, Direksi telah Throughout 2023, the Board of Directors has
melaksanakan rapat dengan beberapa keputusan held meetings with several strategic resolutions,
strategis, di antaranya: including:
1. Pembahasan analisa kinerja keuangan; 1. Discussion of financial performance analysis;
2. Pembahasan tren ekonomi; 2. Discussion of economic trends;
3. Pembahasan tren pasar dan industri; 3. Discussion of market and industry trends;
4. Pembahasan rencana utama tahun 2023; 4. Discussion of the main plan for 2023
5. Pembahasan status/perkembangan kuartal 3 5. Discussion of status/development in the 3rd
tahun 2023; quarter of 2023;
6. Pembahasan perbandingan bank sejenis; 6. Discussion of comparisons of similar banks;
7. Laporan kegiatan bulanan (Direktorat dan Grup), 7. Monthly activity reports (Directorate and Group),
termasuk pembahasan penerapan manajemen including discussion of the implementation of
risiko (termasuk penerapan program APU PPT, risk management (including implementation
kepatuhan, pelaksanaan sistem pengendalian of the AML CTF program, compliance,
intern, dan pelaksanaan fungsi audit intern); implementation of the internal control system,
and implementation of the internal audit
function);
8. Pembahasan penyesuaian Rencana Bisnis Bank 8. Discussion of adjustments to the Bank’s
2023-2025; Business Plan 2023-2025;
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9. Direksi menerima overview, progres dan 9. The Board of Directors received an overview,
rencana penyelesaian audit, area penting, dan progress and audit completion plan, important
penyesuaian audit per 31 Desember 2022 oleh areas, and audit adjustments as of December
Kantor Akuntan Publik (KAP) Amir Abadi Jusuf, 31, 2022, from the Public Accounting Firm (PAF)
Aryanto, Mawar & Rekan (member of RSM Amir Abadi Jusuf, Aryanto, Mawar & Rekan
Indonesia); (member of RSM Indonesia);
10. Pembahasan untuk mengadakan RUPS Luar 10. Discussion on holding an Extraordinary GMS of
Biasa Bank Hana; Hana Bank;
11. Pembahasan penyelenggaraan RUPS Tahunan 11. Discussion on the holding of Hana Bank’s
Bank Hana; Annual GMS;
12. Pembahasan perubahan Rencana Bisnis Bank 12. Discussion of changes to the 2023-2025 Bank
2023-2025 PT Bank KEB Hana Indonesia; Business Plan of PT Bank KEB Hana Indonesia;
13. Direksi menerima pemaparan dari Kantor 13. The Board of Directors received a presentation
Akuntan Publik (KAP) Amir Abadi Jusuf, Aryanto, from the Public Accounting Firm (PAF) Amir
Mawar & Rekan (member of RSM Indonesia) Abadi Jusuf, Aryanto, Mawar & Rekan (member of
mengenai Kick Off Meeting Audit (General RSM Indonesia) regarding the Kick-Off Meeting
Audit) posisi 31 Desember 2023 & Agreed Upon Audit (General Audit) position December 31,
Procedures (AUP) untuk servis kustodian; 2023 and Agreed Upon Procedures (AUP) for
custodian services ;
14. Direksi menerima perubahan nama dari LINE 14. The Board of Directors accepted the name
Financial Plus Corporation (LFP) menjadi LINE change from LINE Financial Plus Corporation
Financial Corporation (LFC), mengubah nama (LFP) to LINE Financial Corporation (LFC),
dalam Daftar Pemegang Saham Perseroan, dan changed the name in the Company’s
menerbitkan Surat Kolektif Saham untuk dan Shareholder Register, and issued a Collective
atas nama LINE Financial Corporation (LFC); Share Certificate for and on behalf of LINE
dan Financial Corporation (LFC); and
15. Pembahasan Rencana Bisnis Bank 2024-2026 15. Discussion of the 2024-2026 Bank Business Plan
PT Bank KEB Hana Indonesia. of PT Bank KEB Hana Indonesia.
Rapat Direksi Board of Directors Meeting
Kebijakan Rapat Meeting Policy
Kebijakan Rapat Direksi diatur dalam Pedoman The policy for Board of Directors Meetings is
dan Tata Tertib Kerja Direksi Bank antara lain: regulated within the Guidelines and Rules of
Procedure for the Board of Directors’ Work of the
Bank, including:
1. Rapat Direksi wajib diselenggatakan secara 1. Board of Directors Meetings must be held
berkala paling kurang 1 (satu) kali dalam setiap regularly at least once every month.
bulan;
2. Direksi wajib mengadakan rapat Direksi 2. The Directors must hold joint meetings with the
bersama Dewan Komisaris secara berkala paling Board of Commissioners regularly at least once
kurang 1 (satu) kali dalam 4 (empat) bulan; every 4 (four) months.
3. Rapat Direksi dapat diadakan setiap waktu jika 3. Board of Directors Meetings can be held at any
dipandang perlu; time if deemed necessary.
4. Direksi harus menjadwalkan rapat Direksi untuk 4. The Directors must schedule Board of Directors
tahun berikutnya sebelum berakhirnya tahun meetings for the following year before the end
buku; of the fiscal year.
5. Pada rapat yang telah dijadwalkan, bahan rapat 5. Meeting materials are provided to participants
disampaikan kepada peserta paling lambat no later than 5 (five) days before the scheduled
5 (lima) hari sebelum rapat diselenggarakan. meeting. In case of unscheduled meetings,
Dalam hal terdapat rapat yang diselenggarakan meeting materials are provided to participants
di luar jadwal, bahan rapat disampaikan kepada before the meeting is held.
peserta rapat paling lambat sebelum rapat
diselenggarakan.
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6. Rapat Direksi adalah sah dan berhak mengambil 6. Board of Directors Meetings are valid and
keputusan yang mengikat jika lebih dari ½ (satu have the authority to make binding decisions
per dua atau setengah) dari jumlah anggota if more than ½ (one half) of the total number
Direksi hadir atau diwakili dalam rapat; of Directors are present or represented at the
meeting.
7. Setiap kebijakan dan keputusan strategis 7. All strategic policies and decisions must be
wajib diputuskan melalui rapat Direksi dengan decided through Board of Directors meetings
memperhatikan pengawasan sesuai tugas dan while considering oversight in accordance with
tanggung jawab Dewan Komisaris; the duties and responsibilities of the Board of
Commissioners.
8. Pengambilan keputusan rapat Direksi wajib 8. Decision-making in Board of Directors Meetings
terlebih dahulu dilakukan berdasarkan must first be based on consensus.
musyawarah mufakat;
9. Dalam hal tidak tercapai keputusan 9. In case consensus cannot be reached, decisions
musyawarah mufakat, maka keputusan must be made by voting based on the
harus diambil dengan pemungutan suara agreement of more than ½ (one half) of the
berdasarkan suara setuju lebih dari ½ (satu per valid votes cast at the respective meeting.
dua atau setengah) bagian dari jumlah suara
yang sah yang dikeluarkan dalam rapat yang
bersangkutan;
10. Dalam hal terjadi perbedaan pendapat 10. In case of dissenting opinions, they are clearly
(dissenting opinion), dicantumkan secara jelas stated in the minutes of the Board of Directors
dalam risalah rapat Direksi beserta alasan meeting along with the reasons for the dissent.
perbedaan pendapat;
11. Direksi dapat juga mengambil keputusan 11. The Directors may also make valid decisions
yang sah tanpa mengadakan rapat Direksi, without holding a Board of Directors Meeting,
dengan ketentuan semua anggota Direksi telah provided that all Directors have been notified in
diberitahukan secara tertulis, dan memberikan writing, agreed to the proposal, and signed the
persetujuan mengenai usul yang diajukan approval. Decisions made in this manner have
serta menandatangani persetujuan tersebut. the same validity as decisions made in a Board
Keputusan yang diambil dengan cara demikian of Directors Meeting.
mempunyai kekuatan yang sama dengan
keputusan yang diambil dengan sah dalam
rapat Direksi; dan
12. Segala keputusan yang diambil oleh Direksi 12. All decisions made by the Directors are binding
bersifat mengikat dan menjadi tanggung jawab and the responsibility of all Directors.
bagi seluruh anggota Direksi.
Realisasi Rapat Meeting Realization
Rapat Internal Internal Meeting
Pada tahun 2023, Direksi telah melaksanakan 17 In 2023, the Board of Directors held 17 internal
kali rapat internal. meetings.
Rapat Gabungan Joint Meeting
Pada tahun 2023, Direksi telah melaksanakan In 2023, the Board of Directors held 3 (three) joint
3 (tiga) kali rapat gabungan bersama Dewan meetings with the Board of Commissioners via
Komisaris melalui tatap muka dan video konferensi. face-to-face and video conference. Some of the
Beberapa agenda rapat yang dibahas, antara lain: meeting agendas discussed included:
1. Financial Performance; 1. Financial Performance;
2. Business Performance Q1 2023; 2. Business Performance Q1 2023;
3. Revision of Targets and Achievement Strategy 3. Revision of Targets and Achievement Strategy
2023 of Consumer Banking; 2023 of Consumer Banking;
4. Highlight of Human Capital 2022; 4. Highlights of Human Capital 2022;
5. New OJK (Financial Services Authority) 5. New OJK (Financial Services Authority)
Regulation; Regulation;
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6. Business Performance and Plan Q2 2023; 6. Business Performance and Plan Q2 2023;
7. Highlight of Zero Defect 2022 Champions; 7. Highlights of the Zero Defect 2022 Champions;
8. Hana Bank’s Q3 2023 Performance & Plan; dan 8. Hana Bank’s Q3 2023 Performance and Plan;
and
9. LINE Bank Strategy 2024. 9. LINE Bank Strategy 2024.
Frekuensi dan Tingkat Kehadiran Direksi
Frequency and Level of Attendance of the Board of Directors
Rapat Gabungan dengan Dewan
Rapat Internal Direksi Kehadiran di RUPS
Komisaris
BOD Internal Meetings Attendance at GMS
Joint Meeting With BOC
Nama Jabatan Jumlah Jumlah
Name Position Jumlah Jumlah Jumlah Jumlah
Rapat Rapat
Kehadiran Kehadiran RUPS Kehadiran
Number % Number % %
Number of Number of Number Number of
of of
Attendance Attendance of AGMS Attendance
Meetings Meetings
Jong Jin Park Direktur 17 13 76,47 3 3 100 2 2 100
Utama
President
Director
Hang Keun Direktur 5 3 60 1 1 100 1 1 100
Cho 1) Keuangan
Finance
Director
Sang Keun Direktur 17 16 94,12 3 3 100 2 2 100
Kwak Teknologi
Informasi
Information
Technology
Director
Bayu Wisnu Direktur 17 15 88,24 3 3 100 2 2 100
Wardhana Kepatuhan
dan Legal
Compliance
and Legal
Director
Ratna Ningsih Direktur 17 12 70,59 3 3 100 2 2 100
Kredit
Credit
Director
Junita 7 5 71,43 1 1 100 2 2 100
Wangsadinata 2)
Anton Direktur 17 17 100 3 3 100 2 2 100
Hermawan Perbankan
Konsumer
Consumer
Banking
Director
Seong Hyeok Direktur 12 12 100 2 2 100 1 1 100
Mun3) Keuangan
Finance
Director
Geoffry Direktur 7 7 100 2 2 100 0 0 100
Nugraha4) Bisnis
Business
Director
Keterangan | Note:
1)
Efektif mengundurkan diri sebagai Direktur Perseroan pada tanggal 5 Mei 2023.
2)
Masa jabatan berakhir setelah penutupan RUPST pada tanggal 9 Juni 2023.
3)
Efektif menjabat sebagai Direktur Perseroan pada tanggal 5 Mei 2023.
4)
Efektif menjabat sebagai Direktur Perseroan pada tanggal 15 Agustus 2023.
1)
Effectively resigned as Director of the Company on May 5 2023.
2)
The term of office ends after the closing of the AGMS on June 9 2023.
3)
Effectively serving as Director of the Company on May 5 2023.
4)
Effectively serving as Director of the Company on August 15 2023.
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Perbedaan pendapat diungkapkan dalam risalah Differences of opinion are expressed in the minutes
rapat dan pengambilan keputusan didasarkan of meetings, and decision making is based on
atas musyawarah untuk mufakat. Apabila tidak deliberation to reach consensus. If consensus
tercapai mufakat, maka pengambilan keputusan cannot be reached, then decision making is based
didasarkan atas suara mayoritas Direksi yang hadir on the vote of the majority of the Board of Directors
atau diwakili pada rapat. Kuorum dalam setiap present or represented at the meeting. The quorum
Rapat Direksi harus terdiri dari mayoritas anggota at each Board of Directors Meeting must consist of
Direksi yang menjabat pada saat rapat tersebut. the majority of members of the Board of Directors
who are serving at the time of the meeting.
Pengembangan Kompetensi Direksi Board of Directors’ Competency
Development
Kebijakan Policy
Kebijakan pengembangan kompetensi yang The competency development policy that applies
berlaku di Bank Hana mengacu pada POJK No. at Hana Bank refers to POJK No. 24 of 2022
24 Tahun 2022 tentang Pengembangan Kualitas concerning Development of the Quality of Human
Sumber Daya Manusia Bank Umum. Ketentuan Resources for Commercial Banks. This provision
tersebut menegaskan bahwa bank wajib emphasizes that banks are obliged to manage
melakukan pengelolaan Sumber Daya Manusia Human Resources (HR) and develop the quality of
(SDM) dan pengembangan kualitas SDM secara HR on an ongoing basis. In conjunction, the Bank
berkelanjutan. Bersamaan dengan itu, Bank allocates funds for these activities.
menyediakan dana untuk kegiatan tersebut.
Pengembangan Kompetensi Dewan Komisaris Competency Development of the Board of
mengacu pada bagian “Profil Direksi” pada bab Commissioners refers to the “Profile of the Board of
“Profil Perusahaan” dalam Laporan Tahunan ini. Directors” section in the “Company Profile” chapter
of this Annual Report.
Penilaian Komite di Bawah Direksi Assessment of Committees Under the Board
of Directors
Prosedur, Kriteria, dan Pihak yang Melakukan Procedures, Criteria, and Parties Conducting the
Penilaian Assessment
Direksi melakukan penilaian kinerja Komite The Board of Directors regularly assesses the
Pendukung Direksi secara berkala guna performance of the Board of Directors Supporting
mengetahui pencapaian target kerja dan Committees to determine the achievement of
meningkatkan performa masing-masing komite. work targets and improve the performance of each
Adapun kriteria yang digunakan dalam penilaian committee. The criteria used in the assessment
tersebut, antara lain: include:
1. Kualitas penyampaian masukan dan 1. Quality of submission of input and
rekomendasi kepada Direksi; recommendations to the Board of Directors;
2. Tingkat kehadiran dan partisipasi masing- 2. The level of attendance and participation of
masing anggota komite pada saat rapat; dan each committee member at the meeting; and
3. Keaktifan anggota pada saat rapat. 3. Member activity during meetings.
Selain itu, penilaian kinerja organ pendukung In addition, the performance assessment of the
Direksi dinilai berdasarkan ketentuan Peraturan Board of Directors’ supporting organs is assessed
OJK terkait Penerapan Tata Kelola Perusahaan bagi based on the provisions of OJK Regulations
Bank Umum. regarding the Implementation of Corporate
Governance for Commercial Banks.
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Hasil Penilaian
Assessment Results
Komite Aset dan Liabilitas (ALCO)
Berdasarkan penilaian kinerja yang telah dilakukan pada tahun 2023, ALCO dinilai telah melaksanakan tugasnya dalam
mencapai tingkat profitabilitas Bank yang optimal serta likuiditas, risiko suku bunga dan risiko valuta asing yang terkendali
melalui penetapan kebijakan dan strategi aset dan liabilitas Bank.
Asset and Liability Committee (ALCO)
Based on the performance assessment carried out in 2023, ALCO is considered to have carried out its duties in
achieving optimal levels of Bank profitability as well as controlling liquidity, interest rate risk, and foreign exchange
risk through determining the Bank's asset and liability policies and strategies.
Komite Manajemen Risiko
Berdasarkan penilaian kinerja yang telah dilakukan pada tahun 2023, Komite Manajemen Risiko dinilai telah
melaksanakan tugasnya untuk memastikan bahwa pengelolaan risiko di Bank berjalan dengan baik, sehingga Bank
dapat mengantisipasi setiap perubahan sebagai akibat dari perkembangan usaha maupun adanya perubahan
kondisi eksternal.
Risk Management Committee
Based on the performance assessment carried out in 2023, the Risk Management Committee is considered to have
carried out its duties to ensure that risk management at the Bank runs well, so that the Bank can anticipate any
changes as a result of business developments and changes in external conditions.
Komite Kredit
Berdasarkan penilaian kinerja yang telah dilakukan pada tahun 2023, Komite Kredit dinilai telah mengevaluasi
dan/atau memberikan keputusan kredit sesuai batas wewenang yang ditetapkan Direksi dengan memperhatikan
pengembangan bisnis tanpa meninggalkan prinsip kehati-hatian (prudent).
Credit Committee
Based on the performance assessment carried out in 2023, the Credit Committee is considered to have evaluated
and/or provided credit decisions in accordance with the authority limits set by the Board of Directors by paying
attention to business development without abandoning the principle of prudence.
Komite Kebijakan Perkreditan
Berdasarkan penilaian kinerja yang telah dilakukan pada tahun 2023, Komite Kebijakan Perkreditan dinilai telah
memantau dan mengevaluasi penerapan kebijakan perkreditan, melakukan kajian berkala terhadap kebijakan
perkreditan Perseroan, memantau perkembangan dan kondisi portofolio perkreditan dan memberikan saran dan
langkah perbaikan atas hasil pemantauan dan evaluasi yang telah dijalankan.
Credit Policy Committee
Based on the performance assessment carried out in 2023, the Credit Policy Committee is considered to have
monitored and evaluated the implementation of credit policy, carried out periodic reviews of the Company's credit
policy, monitored the development and condition of the credit portfolio, and provided suggestions and steps to
improve the results of the monitoring and evaluation that have been carried out.
Komite Investigasi Kredit
Berdasarkan penilaian kinerja yang telah dilakukan pada tahun 2023, Komite Investigasi Kredit dinilai telah mengambil
langkah-langkah untuk menjaga kualitas aktiva produktif dalam kondisi baik, sehingga dalam hal ini manajemen
perlu untuk segera mengetahui penyebab apabila terdapat kredit yang dikategorikan dalam non-performing loan
(NPL) dan untuk segera diambil langkah penyelesaian agar meminimalkan kerugian dan mitigasi risiko ke depannya.
Credit Investigation Committee
Based on the performance assessment carried out in 2023, the Credit Investigation Committee is considered to
have taken steps to maintain the quality of productive assets in good condition, so in this case management needs
to immediately find out the cause if there is credit that is categorized as a non-performing loan (NPL) and for
immediate resolution steps to be taken to minimize losses and mitigate risks in the future.
Komite Pengarah Teknologi Informasi
Berdasarkan penilaian kinerja yang telah dilakukan pada tahun 2023, Komite Pengarah Teknologi Informasi dinilai
telah membahas rencana strategis TI agar searah dengan rencana strategis kegiatan usaha Bank, serta pembahasan
proyek-proyek TI dan permasalahan TI.
Information Technology Steering Committee
Based on the performance assessment carried out in 2023, the Information Technology Steering Committee is
considered to have discussed the IT strategic plan so that it is in line with the strategic plan for the Bank's business
activities, as well as discussing IT projects and IT problems.
Komite Sumber Daya Manusia
Berdasarkan penilaian kinerja yang telah dilakukan pada tahun 2023, Komite Sumber Daya Manusia dinilai telah
membahas mengenai ketenagakerjaan dan telah mengambil kebijakan dan rekomendasi perihal isu bidang sumber
daya manusia.
Human Resources Committee
Based on the performance assessment carried out in 2023, the Human Resources Committee is considered to
have discussed employment and adopted policies and recommendations regarding issues in the field of human
resources.
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Hasil Penilaian
Assessment Results
Komite Pengembangan Produk
Berdasarkan penilaian kinerja yang telah dilakukan pada tahun 2023, Komite Pengembangan Produk dinilai telah
membantu Bank terkait rencana bisnis untuk menerbitkan berbagai variasi produk dan fasilitas dalam rangka
penghimpunan dana pihak ketiga. Produk dan fasilitas tersebut juga ditujukan untuk meningkatkan pertumbuhan
bisnis sejalan dengan target yang telah ditetapkan Bank sebelumnya. Pengadaan program terkait dengan produk
pendanaan akan terus dilakukan untuk mendukung peningkatan penghimpunan dana pihak ketiga, ditunjang pula
dengan pengadaan atau peningkatan kemampuan sistem untuk mendukung pelaksanaan program tersebut.
Product Development Committee
Based on the performance assessment carried out in 2023, the Product Development Committee is considered
to have assisted the Bank with business plans to issue various variations of products and facilities in order to raise
third-party funds. These products and facilities are also aimed at increasing business growth in line with the targets
previously set by the Bank. Procurement of programs related to funding products will continue to be carried out
to support increased collection of third-party funds, also supported by procurement or improvement of system
capabilities to support the implementation of these programs.
Komite Investigasi Fraud
Sepanjang tahun 2023 Komite Investigasi Fraud tidak melaksanakan rapat karena tidak ditemukan tindakan fraud
yang dilakukan oleh karyawan.
Fraud Investigation Committee
Throughout 2023, the Fraud Investigation Committee did not hold meetings because there were no frauds was
found by employees.
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Hubungan Afiliasi Dewan Komisaris
dan Direksi
Affiliate Relationship of The Board of Commissioners and
The Board of Directors
Hubungan Afiliasi Dewan Komisaris Board of Commissioners Affiliate
Relations
Sebagai bagian dari pelaksanaan transparansi, As part of implementing transparency, Hana
Bank Hana menyampaikan hubungan afiliasi Bank comunicates the affiliation relationship of
Dewan Komisaris dengan Sesama Dewan the Board of Commissioners with fellow Board of
Komisaris, Direksi, dan Pemegang Saham Commissioners, Board of Directors, and Controlling
Pengendali. Hubungan dimaksud terkait dengan Shareholders. The relationship in question is related
keluarga maupun keuangan atau kepengurusan. to family, finances, or management. The details are
Rinciannya disampaikan melalui tabel di bawah ini. presented in the table below:
Hubungan Keuangan dengan: Hubungan Keluarga dengan:
Financial Relationship with: Family Relationship with:
Pemegang Pemegang
Dewan Saham Utama/ Dewan Saham Utama/
Direksi Direksi
Nama Komisaris Pengendali Komisaris Pengendali
Board of Board of
Name Board of Main/ Board of Main/
Directors Directors
Commissioners Controlling Commissioners Controlling
Shareholder Shareholder
Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak
Yes No Yes No Yes No Yes No Yes No Yes No
Sungwhan Lee - √ - √ √ - - √ - √ - √
Eka Noor Asmara - √ - √ - - - √ - √ - √
Dino Patti Djalal - √ - √ - - - √ - √ - √
Hubungan Afiliasi Direksi Board of Directors’ Affiliate
Relationship
Hubungan Keuangan dengan: Hubungan Keluarga dengan:
Financial Relationship with: Family Relationship with:
Pemegang Pemegang
Dewan Saham Utama/ Dewan Saham Utama/
Direksi Direksi
Nama Komisaris Pengendali Komisaris Pengendali
Board of Board of
Name Board of Main/ Board of Main/
Directors Directors
Commissioners Controlling Commissioners Controlling
Shareholder Shareholder
Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak
Yes No Yes No Yes No Yes No Yes No Yes No
Jong Jin Park - √ - √ √ - - √ - √ - √
Seong Hyeok -
- √ - √ - - √ - √ - √
Mun
Sang Keun Kwak - √ - √ - - - √ - √ - √
Bayu Wisnu -
- √ - √ - - √ - √ - √
Wardhana
Geoffry Nugraha - √ - √ - - - √ - √ - √
Ratna Ningsih - √ - √ - - - √ - √ - √
Anton Hermawan - √ - √ - - - √ - √ - √
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Penilaian Kinerja Dewan Komisaris
dan Direksi
Performance Assessment of The Board of Commissioners
and The Board of Directors
Penilaian Kinerja Dewan Komisaris Board of Commissioners Performance
Assessment
Pelaksana Penilaian Party Conducting the Assessment
Pihak yang melakukan penilaian terhadap kinerja The party that assesses the performance of the Board
Dewan Komisaris adalah Dewan Komisaris itu of Commissioners is the Board of Commissioners
sendiri, melalui self-assessment, yang kemudian themselves, through self-assessment, the results
hasilnya dievaluasi oleh Dewan Komisaris melalui of which are then evaluated by the Board of
rapat berdasarkan rekomendasi dari Komite Commissioners through meetings based on
Remunerasi dan Nominasi (KRN). recommendations from the Remuneration and
Nomination Committee (KRN).
Waktu Pelaksanaan Implementation Time
Dewan Komisaris wajib melakukan penilaian The Board of Commissioners is obliged to carry out
sendiri (self-assessment) minimal 1 (satu) kali dalam a self-assessment at least once a year.
1 (satu) tahun.
Kriteria Penilaian Assessment Criteria
1. Pengawasan dan pemberian nasihat kepada 1. Supervise and provide advice to the Board of
Direksi terkait: Directors regarding:
a. Strategi dan rencana penting Bank Hana; a. Hana Bank’s important strategies and plans;
b. Integritas Laporan Keuangan Bank Hana; b. Integrity of Hana Bank’s Financial
c. Sistem pengendalian internal dan Statements;
manajemen risiko; serta c. Internal control and risk management
d. Tata kelola perusahaan yang baik. systems; and
d. Good corporate governance.
2. Pemberian persetujuan atas keputusan 2. Giving approval to the Board of Directors’
Direksi sesuai yang diatur dalam Anggaran decisions in accordance with those regulated
Dasar Perseroan atau peraturan perundang- in the Company’s Articles of Association or
undangan. statutory regulations.
Prosedur Penilaian Assessment Procedure
Masing-masing Hasil self-assessment Evaluasi melalui Hasil Evaluasi
anggota Dewan dinilai oleh Komite rapat oleh Dewan
Komisaris mengisi Remunerasi dan Komisaris berdasarkan
Formulir Self Nominasi dan rekomendasi dari
Assessment direkomendasikan ke Komite Remunerasi dan
Dewan Komisaris Nominasi
The self-assessment Evaluated through
results are assessed by meetings by the Board
the Remuneration and of Commissioners based
Each member of the Nomination Committee on recommendations
Board of Commissioners and recommended from the Remuneration
fills out the Self to the Board of and Nomination
Assessment Form Commissioners Committee Evaluation Results
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Penilaian Kinerja Direksi Board of Directors’ Performance
Assessment
Pelaksana Penilaian Party Conducting the Assessment
Pihak yang melakukan penilaian terhadap kinerja The party that assesses the performance of
Direksi adalah Direksi itu sendiri, melalui self- the Board of Directors is the Board of Directors
assessment, yang kemudian dinilai oleh Direktur themselves, through self-assessment, which is then
Utama terlebih dahulu dan kemudian dievaluasi assessed by the President Director first and then
oleh Dewan Komisaris melalui rapat berdasarkan evaluated by the Board of Commissioners through
rekomendasi dari Komite Remunerasi dan meetings based on recommendations from the
Nominasi. Remuneration and Nomination Committee.
Waktu Pelaksanaan Implementation Time
Direksi wajib melakukan penilaian sendiri (self- The Board of Directors is required to carry out a self-
assessment) minimal 1 kali dalam 1 tahun. assessment at least once a year.
Kriteria Penilaian Assessment Criteria
Kriteria atau tolok ukur yang digunakan mengacu The criteria or benchmarks used refer to the Bank’s
pada Rencana Bisnis Bank yang telah disetujui Business Plan, which has been approved by the
oleh Dewan Komisaris. Board of Commissioners.
Prosedur Penilaian Assessment Procedure
Sasaran strategis Bank Hana dikonversikan Hana Bank’s strategic targets are converted into Key
menjadi Key Performance Indicator (KPI) yang Performance Indicators (KPI), which are mutually
disepakati bersama oleh Direksi dan diturunkan agreed upon by the Board of Directors and handed
kepada anggota Direksi untuk membuat dan down to members of the Board of Directors to
melaksanakan rencana kerja yang selaras dengan create and implement work plans that are in line
strategi Bank Hana serta saling mendukung untuk with Hana Bank’s strategy and support each other
mencapai target kinerja Bank. to achieve the Bank’s performance targets.
The assessment method is carried out by the Board
Metode penilaian dilakukan oleh Direksi of Directors using a Self-Assessment form that is in
menggunakan formulir Self-Assesment yang telah accordance with the duties and responsibilities of
sesuai dengan tugas dan kewajiban Direksi pada the Board of Directors in the Decree.
Surat Keputusan Organisasi.
Masing-masing Dinilai oleh Dinilai oleh Komite Evaluasi melalui Hasil Evaluasi
anggota Direksi Direktur Remunerasi rapat oleh Dewan
mengisi formulir Utama dan Nominasi, Komisaris berdasarkan
rekomendasi dari
Self-Assessment kemudian
Komite Remunerasi
direkomendasikan
dan Nominasi
ke Dewan
Komisaris
Evaluated through
Assessed by the a meeting by
Remuneration the Board of
Commissioners based
Each member and Nomination
on recommendations
of the Board of Committee, then from the
Directors fills Assessed by recommended Remuneration
out the Self- the President to the Board of and Nomination
Assessment form. Director Commissioners Committee Evaluation Results
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Nominasi Dewan Komisaris dan Direksi
Nomination of The Board of Commissioners and
The Board of Directors
Kebijakan Nominasi Nomination Policy
Bank Hana telah memiliki Kebijakan Nominasi Hana Bank has a Nomination Policy for the Board of
Dewan Komisaris dan Direksi. Fungsinya adalah Commissioners and Board of Directors. Its function
sebagai pedoman bagi Komite Remunerasi is to provide guidance for the Remuneration
dan Nominasi dalam melaksanakan tugas dan and Nomination Committee in carrying out its
tanggung jawab terkait kebijakan nominasi duties and responsibilities related to nomination
untuk memberikan rekomendasi kepada Dewan policies and to provide recommendations to the
Komisaris mengenai kriteria yang dibutuhkan Board of Commissioners regarding the criteria
dalam nominasi calon Dewan Komisaris dan required in nominating candidates for the Board of
Direksi. Commissioners and Board of Directors.
Prosedur Nominasi Nomination Procedure
Pengungkapan Prosedur Nominasi Dewan Disclosure of Nomination Procedures for the Board
Komisaris dan Direksi Bank telah dituangkan dalam of Commissioners and Directors of the Bank has
Kebijakan Nominasi Dewan Komisaris dan Direksi been set out in the Nomination Policy for the
yang bertujuan sebagai pedoman bagi Komite Board of Commissioners and Directors which aims
Remunerasi dan Nominasi dalam melaksanakan to serve as a guideline for the Remuneration and
tugas dan tanggung jawabnya. Prosedur Nominasi Nomination Committee in carrying out its duties and
yang tertuang dalam pedoman sebagai berikut: responsibilities. Nomination procedures contained in
the guidelines are as follows:
a. Usulan dari Pemegang Saham/Dewan a. Proposals from Shareholders/Board of
Komisaris/Direktur Utama terkait nominasi Commissioners/President Director related
Direksi dan Dewan Komisaris disampaikan to the nomination of Directors and Board of
kepada Dewan Komisaris. Commissioners are submitted to the Board of
Commissioners.
b. Dewan Komisaris meminta kepada Komite b. The Board of Commissioners requests the
Remunerasi dan Nominasi (KRN) untuk Remuneration and Nomination Committee (KRN)
membahas usulan terkait Nominasi Direksi dan to discuss the proposal related to the nomination
Dewan Komisaris. of the Board of Directors and the Board of
Commissioners.
c. KRN melakukan pembahasan dan penilaian c. KRN discusses and assesses the fulfillment of
pemenuhan persyaratan sesuai dengan requirements in accordance with statutory
ketentuan perundang-undangan terkait usulan provisions related to the proposal in the KRN
dimaksud dalam rapat KRN. Pembahasan meeting. The discussion is set forth in the Minutes
tersebut dituangkan dalam Risalah Rapat KRN. of the KRN Meeting.
d. Setelah melakukan pembahasan dan penilaian, d. After conducting discussion and assessment,
KRN memberikan rekomendasi kepada Dewan KRN provides recommendations to the Board
Komisaris yang dituangkan dalam bentuk Surat of Commissioners as outlined in the KRN
Rekomendasi KRN. Recommendation Letter.
e. Berdasarkan rekomendasi KRN, Dewan e. Based on KRN’s recommendation, the Board of
Komisaris mengajukan calon Dewan Komisaris Commissioners proposes candidates for the Board
kepada Pemegang Saham melalui surat Dewan of Commissioners to the Shareholders through a
Komisaris. letter from the Board of Commissioners.
f. Pimpinan RUPS meminta persetujuan f. The Chairman of the GMS requests approval from
Pemegang Saham dalam mata acara RUPS the Shareholders in the GMS agenda related to
terkait Nominasi Direksi dan Dewan Komisaris. the Nomination of the Board of Directors and
g. Setelah mendapat persetujuan RUPS, Board of Commissioners.
persetujuan tersebut dituangkan dalam Berita g. After obtaining GMS approval, the approval is set
Acara RUPS yang menjadi dasar pengangkatan forth in the GMS Minutes which become the basis
calon Direksi dan Dewan Komisaris. for the appointment of candidates for the Board
of Directors and Board of Commissioners.
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Remunerasi Dewan Komisaris dan
Direksi
Remuneration of The Board of Commissioners and
The Board of Directors
Prosedur Penetapan Remunerasi Remuneration Determination
Procedure
Remunerasi Dewan Komisaris dan Direksi Remuneration for the Board of Commissioners
direkomendasikan oleh Komite Nominasi dan and Board of Directors is recommended by the
Remunerasi, berdasarkan formulasi remunerasi Nomination and Remuneration Committee, based
yang mengacu kepada kebijakan internal on a remuneration formulation that refers to
Bank Hana, peraturan eksternal yang berlaku, Hana Bank’s internal policies, applicable external
perbandingan industri, serta mempertimbangkan regulations, industry comparisons, and considers
kinerja Bank Hana. Rekomendasi Komite Hana Bank’s performance. The Nomination and
Nominasi dan Remunerasi diserahkan kepada Remuneration Committee recommendations are
Dewan Komisaris dan disampaikan kepada Rapat submitted to the Board of Commissioners and to
Umum Pemegang Saham untuk mendapatkan the General Meeting of Shareholders for approval.
persetujuan.
Penetapan besaran remunerasi anggota The determination of the amount of remuneration
Dewan Komisaris didasarkan kepada kinerja for members of the Board of Commissioners is
masing-masing anggota Dewan Komisaris yang based on the performance of each member of the
pelaksanaannya dilakukan oleh Komisaris Utama. Board of Commissioners, the implementation of
which is carried out by the President Commissioner.
Proses penetapan remunerasi Dewan Komisaris The process of determining the remuneration of
dapat digambarkan sebagai berikut: the Board of Commissioners can be described as
follows:
Komite Remunerasi dan Nominasi
Remuneration and Nomination Committee
Komite Remunerasi dan Nominasi Menyampaikan kepada Dewan Komisaris
tentang hasil Evaluasi dan rekomendasi kebijakan remunerasi Dewan Komisaris
dan Direksi untuk disampaikan kepada RUPS.
The Remuneration and Nomination Committee conveys to the Board of
Commissioners the evaluation results and recommendations for remuneration for
Board of Commissioners and Board of Directors to be submitted to the GMS.
Dewan Komisaris
Board of Commissioners
Dewan Komisaris mengusulkan pentetapan remunerasi kepada RUPS
The Board of Commissioners proposes the determination of remuneration to the
GMS.
Rapat Umum Pemegang Saham
General Meeting of Shareholders
RUPS menetapkan remunerasi bagi anggota Dewan Komisaris dan Direksi.
The GMS determinations remuneration for member Board of Commissioners and
Board of Directors.
Remunerasi Anggota Dewan Komisaris dan DIreksi
Remuneration for Member of the Board of Commissioners and Board of Directors
Remuneration for Member of the Board of Commissioners and Board of Directors
Determination of Remuneration for member Board of Commissioners and Board
of Directors in accordance with the GMS resolutions
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Struktur dan Besaran Remunerasi Remuneration Structure and Amount
Dewan Komisaris dan Direksi menerima komponen The Board of Commissioners and Board of Directors
remunerasi sebagai berikut: receive the following remuneration components.
1. Pendapatan yang bersifat tetap, terdiri dari gaji 1. Fixed income, consisting of basic salary and fixed
pokok dan tunjangan tetap. allowances.
2. Pendapatan yang bersifat Variabel & tunjangan 2. Variable income & non-fixed benefits, consisting
yang bersifat tidak tetap, terdiri dari bonus, of bonuses, non-fixed benefits and in-kind
tunjangan tidak tetap dan fasilitas natura. facilities.
Informasi terkait struktur dan besaran remunerasi Information related to the structure and amount
Dewan Komisaris dan Direksi serta rasio gaji of remuneration of the Board of Commissioners
tertinggi dan terendah karyawan tahun 2023 and Directors as well as the ratio of the highest and
diuraikan pada tabel berikut: lowest salaries of employees in 2023 is described in
the following table.
Jumlah Diterima dalam 1 Tahun
Amount Received in 1 Year
Jenis Remunerasi dan Fasilitas Lain
Dewan Komisaris Direksi
Type of Remuneration and Other
Board of Commissioners Board of Directors
Facilities
Orang Rp Juta Orang Rp Juta
People Rp Million People Rp Million
Remunerasi
Remuneration
Gaji dan Tunjangan Tetap 3 1.570 9 27.500
Salary and Fixed Allowance
Pendapatan Variabel & Tunjangan Tidak - - 9 3.258
tetap
Variable Income & Non-fixed
Allowance
Jumlah 3 1.339 9 30.838
Jumlah Remunerasi per Orang dalam 1 Tahun Dewan Komisaris Direksi
Amount of Remuneration per Person in 1 Year Board of Commissioners Board of Directors
Di atas Rp2 miliar - 7
Above Rp2 billion
Di atas Rp1 miliar-Rp2 miliar - 2
Above Rp1 billion-Rp2 billion
Di atas Rp500 juta-Rp1 miliar 2 -
Above Rp500 million-Rp1 billion
Di bawah Rp500 juta 1 -
Under Rp500 million
Perbandingan Gaji Tertinggi dan Terendah Rasio
Comparison of Highest and Lowest Salaries Ratio
Rasio Gaji Tertinggi dan Terendah Dewan Komisaris 189%
Ratio of the Highest and Lowest Salaries of the Board of Commissioners
Rasio Gaji Tertinggi dan Terendah Direksi 178%
Ratio of the Highest and Lowest Salaries of the Board of Director
Rasio Gaji Tertinggi dan Terendah Karyawan 5.773%
Ratio of the Highest and Lowest Salaries of Employee
Rasio Gaji Tertinggi Direksi dan Gaji Tertinggi Karyawan 188%
Ratio of the Board of Directors' Highest Salary to the Employee's
Highest Salary
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Kebijakan Pemberian Kompensasi
Jangka Panjang Berbasis Kinerja Kepada
Manajemen dan/atau Karyawan
Policy of Providing Long Term Performance Based
Compensation To Management and/or Employees
Bank Hana tidak memiliki kebijakan pemberian Hana Bank does not have a policy of providing
kompensasi jangka panjang kepada manajemen long-term compensation to management and/or
dan/atau karyawan, antara lain berupa employees, including in the form of a management
program kepemilikan saham oleh manajemen stock ownership program (MSOP) and/or employee
(management stock ownership program/ stock ownership program (ESOP). Hana Bank
MSOP) dan/atau program kepemilikan saham provides compensation and benefits fairly and
oleh karyawan (employee stock ownership equally according to each class and/or position in
program/ESOP). Pemberian kompensasi dan accordance with applicable laws and regulations.
manfaat dilakukan Bank Hana secara adil dan
setara disesuaikan dengan golongan dan/atau
jabatan masing-masing sesuai dengan peraturan
perundang-undangan yang berlaku.
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Komite Pendukung Dewan Komisaris
Board of Commissioners Support Committee
Bank Hana telah membentuk 3 (tiga) komite di Hana Bank has formed 3 (three) committees
bawah Dewan Komisaris, yaitu Komite Audit, Komite under the Board of Commissioners, namely the
Pemantau Risiko, serta Komite Remunerasi dan Audit Committee, Risk Monitoring Committee,
Nominasi, sesuai dengan yang disyaratkan dalam and Remuneration and Nomination Committee,
Peraturan OJK No. 17 Tahun 2023. Komite-komite in accordance with the requirements in OJK
tersebut dibentuk untuk mendukung efektivitas Regulation No. 17 of 2023. These committees were
pelaksanaan tugas dan fungsi pengawasan Dewan formed to support the effective implementation of
Komisaris. the duties and supervisory functions of the Board
of Commissioners.
Bank telah memiliki kebijakan internal yang
mengatur mengenai pedoman kerja dan tata The Bank has an internal policy that regulates the
tertib kerja komite-komite di bawah Komisaris charter of committees under the Commissioner
yang telah diketahui dan bersifat mengikat bagi which are known and binding for each committee
setiap anggota komite. member.
KOMITE AUDIT AUDIT COMMITTEE
Dalam struktur organisasi, Komite Audit In the organizational structure, the Audit Committee
bertanggung jawab kepada Dewan Komisaris dan is responsible for the Board of Commissioners and
mempunyai hubungan komunikasi dengan Satuan has a communication relationship with the Internal
Kerja Audit Internal (SKAI). Dalam pelaksanaannya, Audit Work Unit (SKAI). In its implementation, the
Komite Audit merupakan organ pendukung yang Audit Committee is a supporting organ tasked
bertugas membantu Dewan Komisaris dalam with assisting the Board of Commissioners in
melakukan pengawasan pelaksanaan tugas supervising the implementation of the Board of
Direksi, melakukan sistem pengendalian internal, Directors’ duties, implementing the internal control
dan efektivitas pemeriksaan oleh auditor eksternal system, and assessing the effectiveness of audits by
dan internal. external and internal auditors.
Tugas dan Tanggung Jawab Komite Audit Duties and Responsibilities of the Audit
Committee
Komite Audit bertugas membantu Dewan The Audit Committee is tasked with assisting
Komisaris dan memastikan dilaksanakannya tata the Board of Commissioners and ensuring the
kelola perusahaan yang baik serta memberikan implementation of good corporate governance,
pendapat profesional yang independen as well as providing independent professional
(rekomendasi) kepada Dewan Komisaris terhadap opinions (recommendations) to the Board of
laporan atau hal-hal yang disampaikan oleh Direksi Commissioners regarding reports or matters
kepada Dewan Komisaris, dan mengidentifikasi hal- submitted by the Board of Directors to the Board of
hal yang memerlukan perhatian Dewan Komisaris. Commissioners and identifying matters that require
Komite Audit juga bertugas membantu Dewan the attention of the Board of Commissioners. The
Komisaris dalam memberikan nasihat, saran, dan Audit Committee is also tasked with assisting the
pendapat profesional kepada Dewan Komisaris Board of Commissioners in providing professional
dalam tugas dan wewenang menjalankan fungsi advice, suggestions, and opinions to the Board
pengawasan. of Commissioners in their duties and authority to
carry out supervisory functions.
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Dalam rangka pelaksanaan tugas dimaksud, In order to carry out these duties, the Audit
Komite Audit bertanggung jawab untuk: Committee is responsible for:
1. Melakukan penelaahan atas informasi 1. Review the financial information that will be
keuangan yang akan dikeluarkan Emiten atau released by the Issuer or Public Company to the
Perusahaan Publik kepada publik dan/atau public and/or authorities, including financial
pihak otoritas antara lain laporan keuangan, statements, projections and other reports
proyeksi, dan laporan lainnya terkait dengan related to Hana Bank’s financial information;
informasi keuangan Bank Hana;
2. Melakukan penelaahan atas ketaatan terhadap 2. Review compliance with laws and regulations
peraturan perundang-undangan yang relating to Hana Bank’s activities;
berhubungan dengan kegiatan Bank Hana;
3. Memberikan pendapat independen dalam hal 3. Provide an independent opinion in the event of
terjadi perbedaan pendapat antara manajemen a difference of opinion between management
dan Akuntan atas jasa yang diberikannya; and the Accountant regarding the services
provided;
4. Memberikan rekomendasi kepada Dewan 4. Provide recommendations to the Board of
Komisaris mengenai penunjukan Akuntan yang Commissioners regarding the appointment of
didasarkan pada independensi, ruang lingkup an Accountant based on independence, scope
penugasan, dan imbalan jasa; of assignment, and compensation for services;
5. Menelaah pengaduan yang berkaitan dengan 5. Review complaints related to Hana Bank’s
proses akuntansi dan pelaporan keuangan accounting and financial reporting processes
Bank Hana berdasarkan laporan dari Finance based on reports from the Finance Planning
Planning Division; Division;
6. Menelaah dan memberikan saran kepada 6. Review and provide advice to the Board of
Dewan Komisaris terkait dengan adanya potensi Commissioners regarding potential conflicts of
benturan kepentingan Bank Hana; interest at Hana Bank;
7. Menjaga kerahasiaan dokumen, data dan 7. Maintain the confidentiality of Hana Bank
informasi Bank Hana; documents, data and information;
8. Dalam pelaksanaan fungsi audit intern: 8. In implementing the internal audit function:
a. Memantau dan mengkaji efektivitas a. Monitor and review the effectiveness of the
pelaksanaan audit intern Bank; Bank’s internal audit implementation;
b. Mengevaluasi kinerja SKAI; b. Evaluate SKAI performance;
c. Memastikan SKAI melakukan komunikasi c. Ensure that SKAI communicates with
dengan Direksi, Dewan Komisaris, auditor the Board of Directors, the Board of
ekstern, dan Otoritas Jasa Keuangan; Commissioners, external auditors, and the
Financial Services Authority;
d. Memastikan SKAI bekerja secara d. Ensure SKAI works independently;
independen;
e. Meninjau laporan audit dan memastikan e. Review audit reports and ensure that
Direksi mengambil tindakan perbaikan yang the Board of Directors takes necessary
diperlukan secara cepat untuk mengatasi corrective actions quickly to address control
kelemahan pengendalian, fraud, masalah weaknesses, fraud, compliance issues with
kepatuhan terhadap kebijakan, undang- policies, laws, and regulations, or other
undang, dan peraturan, atau masalah lain problems identified and reported by SKAI;
yang diidentifikasi dan dilaporkan oleh SKAI; f. Provide recommendations to the Board of
f. Memberikan rekomendasi kepada Dewan Commissioners regarding the preparation of
Komisaris terkait penyusunan rencana audit, the audit plan, scope, and budget of SKAI;
ruang lingkup, dan anggaran SKAI;
g. Memberikan rekomendasi kepada Dewan g. Provide recommendations to the Board
Komisaris terkait pemberian remunerasi of Commissioners regarding the provision
tahunan SKAI secara keseluruhan serta of overall SKAI annual remuneration and
penghargaan kinerja; dan performance awards; and
h. Memastikan SKAI menjunjung tinggi h. Ensure that SKAI upholds integrity in
integritas dalam pelaksanaan tugas. carrying out its duties.
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Komposisi Komite Audit Audit Committee Composition
Pada akhir 2023, keanggotaan Komite Audit Bank At the end of 2023, the membership of Hana
Hana terdiri dari seorang Komisaris Independen Bank’s Audit Committee consisted of an
sebagai Ketua dan 2 (dua) orang pihak independen Independent Commissioner as Chairman and 2
sebagai anggota yang memiliki kualifikasi sesuai (two) independent parties as members who have
ketentuan Otoritas Jasa Keuangan. qualifications in accordance with the provisions of
the Financial Services Authority.
Susunan Keanggotaan dan Masa Jabatan Komite Audit
Membership Composition and Term of Office of the Audit Committee
Periode dan Masa Jabatan
Posisi di Posisi di Period and Term of Office
Komite Bank Hana
Nama Dasar Hukum Penunjukan Tanggal
Position on Position at Akhir Masa Jabatan
Name Legal Basis of Appointment Efektif
Committee Hana Bank Expiration of Term
Effective
of Office
Date
Dino Patti Ketua Komisaris SK Direksi No. 34/079/DIR/SK 11 Juli Penutupan RUPS
Djalal Chairman Independen tanggal 11 Juli 2022 2022 Tahunan 2024
Independent Board of Directors’ Decree July 11, Closing of the 2024
Commissioner No. 34/079/DIR/SK dated July 2022 Annual GMS
11, 2022
A. Dewantoro Anggota Pihak SK Direksi No. 34/079/DIR/SK 11 Juli Penutupan RUPS
Marsono Member Independen tanggal 11 Juli 2022 2022 Tahunan 2024
Independent Board of Directors’ Decree July 11, Closing of the 2024
Party No. 34/079/DIR/SK dated July 2022 Annual GMS
11, 2022
Edy Anggota Pihak SK Direksi No. 34/079/DIR/SK 11 Juli Penutupan RUPS
Kuntardjo Member Independen tanggal 11 Juli 2022 2022 Tahunan 2024
Independent Board of Directors’ Decree July 11, Closing of the 2024
Party No. 34/079/DIR/SK dated July 2022 Annual GMS
11, 2022
Profil Komite Audit Audit Committee Profile
Dino Patti Djalal
Ketua Komite Audit
Chairman of the Audit Committee
Profil telah disajikan pada bagian “Profil Dewan The profile has been presented in the “Profile of the
Komisaris” bab “Profil Perusahaan” yang terdapat Board of Commissioners” section of the “Company
dalam Laporan Tahunan ini. Profile” chapter of this Annual Report.
A. Dewantoro Marsono
Anggota Komite Audit
Member of Audit Committee
Profil telah disajikan pada bagian “Profil Pihak Profiles have been presented in the section “Profile
Independen Anggota Komite Dewan Komisaris” pada of Independent Party Members of the Board of
“Lampiran” dalam Laporan Tahunan ini. Commissioners Committee” in the “Appendix” in this
Annual Report.
Edy Kuntardjo
Anggota Komite Audit
Member of Audit Committee
Profil telah disajikan pada bagian “Profil Pihak Profile has been presented in the section “Profile
Independen Anggota Komite Dewan Komisaris” pada of Independent Party Members of the Board of
bab “Lampiran” dalam Laporan Tahunan ini. Commissioners Committee” in the “Appendix” in this
Annual Report.
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Pernyataan Independensi Komite Audit Committee Independence
Audit Statement
Dalam melaksanakan tugas dan tanggung In carrying out its duties and responsibilities,
jawabnya, Komite Audit mengedepankan prinsip the Audit Committee prioritizes the principles
independensi dan kehati-hatian. Bank Hana of independence and prudence. Hana Bank
senantiasa menjamin bahwa anggota Komite always guarantees that the members of the
Audit yang saat ini menjabat bebas dari segala Audit Committee who currently serve are free
intervensi, baik dari Dewan Komisaris, Direksi, from any intervention, whether from the Board
ataupun Pemegang Saham. of Commissioners, the Board of Directors, or
Shareholders.
Selain itu, Komite Audit juga bebas dari segala In addition, the Audit Committee is also free from
benturan kepentingan dan pengaruh atau all conflicts of interest, influence, or pressure from
tekanan dari pihak mana pun yang tidak sesuai any party that is not in accordance with applicable
dengan peraturan perundang-undangan yang laws and regulations, ethical values, principles, and
berlaku; nilai-nilai etika, prinsip, dan praktik practices for conducting sound banking business,
penyelenggaraan usaha perbankan yang sehat; as well as Bank policies that may occur during the
serta kebijakan Bank yang mungkin terjadi selama implementation of the committee’s duties and
pelaksanaan tugas dan tanggung jawab komite. responsibilities.
Pedoman dan Tata Tertib Kerja Komite Audit Committee Charter
Audit The Audit Committee has an Audit Committee
Komite Audit telah memiliki Piagam Komite Audit Charter which has been approved by the Board
yang telah disetujui oleh Dewan Komisaris melalui of Commissioners through Decree No. 34/004/
Surat Keputusan No. 34/004/KOM/SK tanggal 11 KOM/SK dated July 11, 2022. This decision is used
Juli 2022. Keputusan tersebut digunakan sebagai as a guideline for carrying out their duties and
pedoman dalam menjalankan tugas dan tanggung responsibilities professionally and independently.
jawabnya secara profesional dan independen.
Rapat Komite Audit Audit Committee Meeting
Kebijakan Rapat Meeting Policy
Kebijakan rapat Komite Audit di lingkungan Bank The Audit Committee meeting policy within the
Hana mengacu pada POJK No. 55/POJK.04/2015 Bank Hana environment refers to OJK Regulation
tentang Pembentukan dan Pedoman Pelaksanaan No. 55/POJK.04/2015 regarding the Establishment
Kerja Komite Audit dan POJK No. 55/POJK.03/2016 and Guidelines for the Implementation of Audit
tentang Penerapan Tata Kelola Bagi Bank Umum, Committees’ Work and OJK Regulation No. 55/
sebagaimana telah diubah oleh POJK Tata kelola POJK.03/2016 regarding the Implementation of
terbaru No. 17 tahun 2023 yang berlaku pada Governance for Commercial Banks, as amended
tanggal 14 September 2023. Uraiannya adalah: by the latest Governance Regulation No. 17 of 2023,
effective as of September 14, 2023. The details are
as follows:
1. Komite Audit mengadakan rapat secara berkala 1. The Audit Committee holds regular meetings
berdasarkan Peraturan OJK yang berlaku. based on prevailing OJK regulations.
2. Rapat dapat dilaksanakan secara langsung, 2. Meetings can be conducted directly, through
melalui teleconference, ataupun media teleconferencing, or other electronic media.
elektronik lainnya.
3. Rapat Komite Audit dapat diselenggarakan 3. Audit Committee meetings can be held if
jika paling tidak dihadiri oleh 51% (lima puluh attended by at least 51% (fifty-one percent) of
satu persen) dari jumlah anggota, termasuk the total members, including Independent
Komisaris Independen dan Pihak Independen. Commissioners and Independent Parties.
4. Keputusan rapat Komite Audit diambil 4. Audit Committee meeting decisions are made
berdasarkan musyawarah untuk mufakat. through deliberation for consensus.
5. Setiap rapat Komite Audit dituangkan dalam 5. Every meeting of Audit Committee is outlined
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risalah rapat, termasuk apabila terdapat in the minutes of meeting, including any
perbedaan pendapat, yang ditandatangani dissenting opinions, are documented and
oleh seluruh anggota Komite Audit yang hadir signed by all attending Audit Committee
dan disampaikan kepada Dewan Komisaris members and submitted to the Board of
Commissioners.
Realisasi Rapat Meeting Realization
Pada tahun 2023, Komite Audit telah melaksanakan In 2023, the Audit Committee held 10 meetings.
rapat sebanyak 10 kali. Informasi mengenai Information regarding the attendance of the Audit
kehadiran Komite Audit dalam rapat diuraikan Committee at meetings is described as follows:.
sebagai berikut:
Frekuensi dan Kehadiran Rapat
Meeting Frequency and Attendance
Persentase
Jumlah Rapat
Nama Jabatan Kehadiran Kehadiran (%)
Number of
Name Position Attendance Attendance
Meeting
Percentage (%)
Dino Patti Djalal Ketua/Komisaris
Independen
10 10 100
Chairman/Independent
Commissioner
A. Dewantoro Anggota/Pihak
Marsono Independen
10 10 100
Member/ Independent
Party
Edy Kuntardjo Anggota/Pihak
Independen
10 10 100
Member/Independent
Party
Pengembangan Kompetensi Komite Audit Competency Development of Audit Committee
Informasi mengenai pengembangan kompetensi Information regarding competency development
yang diikuti oleh anggota Komite Audit telah followed by members of the Audit Committee
dicantumkan pada bagian “Pihak Independen has been included in the section “Independent
Anggota Komite Dewan Komisaris” bab “Profil Party Members of the Board of Commissioners
Perusahaan” yang terdapat dalam Laporan Committee” chapter “Company Profile” contained
Tahunan ini. in this Annual Report. Audit Committee
Competency Development
Pelaksanaan Tugas dan Tanggung Jawab Implementation of Duties and Responsibilities
Komite Audit of the Audit Committee
Pelaksanaan kegiatan Komite Audit tahun 2023 The implementation of the Audit Committee
adalah sebagai berikut: activities in 2023 is as follows:
1. Melakukan evaluasi dan menerima laporan 1. Conduct evaluations and receive audit plans
rencana dan realisasi audit; and realization reports;
2. Mengkaji dan menerima laporan pokok-pokok 2. Review and receive reports on the main audit
hasil audit results
3. Mengkaji dan memantau tindak lanjut atas 3. Review and monitor follow-up on audit results;
hasil audit;
4. Melakukan evaluasi dan memberikan 4. Evaluate and provide recommendations for
rekomendasi usulan rencana audit tahun 2023 proposed audit plans for 2023 and 2024 and
dan tahun 2024 beserta perubahannya; their amendments;
5. Melakukan evaluasi atas informasi keuangan 5. Conduct an evaluation of historical financial
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historis tahun 2022 oleh Kantor Akuntan Publik information for 2022 by the Public Accounting
(KAP) Amir Abadi Jusuf, Aryanto, Mawar & Rekan Firm (PAF) Amir Abadi Jusuf, Aryanto, Mawar &
(RSM Indonesia); Partners (RSM Indonesia);
6. Merekomendasikan penunjukan Kantor 6. Recommend the appointment of the Public
Akuntan Publik (KAP) Amir Abadi Jusuf, Aryanto, Accounting Firm (PAF) Amir Abadi Jusuf,
Mawar & Rekan dan Akuntan Publik Bimo Aryanto, Mawar & Rekan and Public Accountant
Santoso untuk melaksanakan Audit Laporan Bimo Santoso to carry out the Audit of the
Keuangan PT Bank KEB Hana Indonesia Tahun Financial Report of PT Bank KEB Hana Indonesia
Buku 2023; for the 2023 Financial Year;
7. Merekomendasikan penunjukan Kantor 7. Recommend the appointment of the Public
Akuntan Publik Paul Hadiwinata, Hidajat, Arsono Accounting Firm Paul Hadiwinata, Hidajat,
Retno Palilingan & Rekan untuk melakukan kaji Arsono Retno Palilingan & Partners to review the
ulang fungsi SKAI PT Bank KEB Hana Indonesia SKAI function of PT Bank KEB Hana Indonesia in
tahun 2023; 2023;
8. Melakukan evaluasi dan menerima laporan 8. Conduct evaluations and receive SKAI review
Hasil Kaji Ulang SKAI oleh Kantor Akuntan results reports from the Public Accounting
Publik Paul Hadiwinata, Hidajat, Arsono Retno Firm Paul Hadiwinata, Hidajat, Arsono Retno
Palilingan & Rekan Palilingan & Partners
9. Melakukan penelaahan dan pertemuan dengan 9. Conducted a review and meeting with the
Kantor Akuntan Public (KAP) Amir Abadi Jusuf, Public Accounting Firm (PAF) Amir Abadi Jusuf,
Aryanto, Mawar & Rekan (RSM Indonesia) untuk Aryanto, Mawar & Partners (RSM Indonesia)
membahas hasil (Closing Meeting) General to discuss the results (Closing Meeting) of the
Audit for the Year Ended 31 Desember 2022; General Audit for the Year Ended December 31,
2022;
10. Melakukan penelaahan dan pertemuan dengan 10. Conducted a review and meeting with the
Kantor Akuntan Publik (KAP) Paul Hadiwinata, Public Accounting Firm (KAP) Paul Hadiwinata,
Hidajat, Arsono Retno Palilingan & Rekan untuk Hidajat, Arsono Retno Palilingan & Partners to
membahas rencana dan cakupan (kick off discuss the plan and scope (kick off meeting) of
meeting) Kaji Ulang Kinerja Satuan Kerja Audit the Performance Review of the Internal Audit
Internal periode 1 Juli 2020 – 30 Juni 2023; dan Work Unit for the period July 1, 2020–June 30,
2023; and
11. Melakukan pertemuan dengan Kantor Akuntan 11. Hold a meeting with the Public Accounting
Publik (KAP) Amir Abadi Jusuf, Aryanto, Mawar Firm (PAF) Amir Abadi Jusuf, Aryanto, Mawar &
& Rekan (RSM Indonesia) untuk membahas Partners (RSM Indonesia) to discuss the plans
rencana dan cakupan (kick off meeting) general and scope (kick-off meeting) of the general
audit on financial statements for the year audit on financial statements for the year
ending 31 Desember 2023. ending December 31, 2023.
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KOMITE PEMANTAU RISIKO RISK MONITORING COMMITTEE
Dalam struktur organisasi, Komite Pemantau Risiko In the organizational structure, the Risk Monitoring
bertanggung jawab kepada Dewan Komisaris Committee is responsible for the Board of
dan mempunyai hubungan komunikasi dengan Commissioners and has a communication
Satuan Kerja Manajemen Risiko (SKMR). Komite relationship with the Risk Management Work
Pemantau Risiko bertugas untuk membantu Unit (SKMR). The Risk Monitoring Committee is
Dewan Komisaris dalam melakukan pengawasan tasked with assisting the Board of Commissioners
terhadap risiko-risiko yang muncul dari aktivitas in supervising risks arising from the Bank’s
operasional Bank. operational activities.
Tugas dan Tanggung Jawab Komite Pemantau Duties and Responsibilities of the Risk
Risiko Monitoring Committee
Komite Pemantau Risiko bertugas dan The Risk Monitoring Committee is tasked and
bertanggung jawab untuk memberikan responsible for providing recommendations to
rekomendasi kepada Dewan Komisaris dalam the Board of Commissioners in supervising risk
mengawasi kebijakan manajemen risiko dan management policies and the implementation of
implementasi kegiatan usaha namun tidak business activities, including but not limited to:
terbatas pada:
1. Memantau dan mengevaluasi kesesuaian 1. Monitor and evaluate the conformity between
antara kebijakan manajemen risiko dengan risk management policies and policy
pelaksanaan kebijakan; implementation;
2. Memantau dan mengevaluasi pelaksanaan 2. Monitor and evaluate the implementation of
tugas Komite Manajemen Risiko dan SKMR; the duties of the Risk Management Committee
and SKMR;
3. Menelaah tingkat kepatuhan Bank terhadap 3. Review the Bank’s level of compliance with
ketentuan regulator dan peraturan regulatory provisions and other laws and
perundangan lainnya terkait dengan penerapan regulations related to the implementation of
manajemen risiko yang disampaikan kepada risk management that has been submitted to
Regulator telah dilakukan dengan benar dan the regulator correctly and on time;
tepat waktu;
4. Mengkaji ulang kebijakan manajemen risiko 4. Review the risk management policy at least
sekurang-kurangnya 1 kali dalam 1 tahun dan once a year and the decisions taken by the Board
keputusan yang telah diambil Direksi atau of Directors or Board of Commissioners related
Dewan Komisaris terkait dengan penerapan to the implementation of risk management;
manajemen risiko;
5. Melakukan pemantauan terhadap risiko kredit, 5. Monitor loan, operational, market, liquidity, and
operasional, pasar, likuiditas, dan kategori risiko other risk categories that may be delegated
lainnya yang dapat didelegasikan oleh Dewan by the Board of Commissioners or as deemed
Komisaris atau sebagaimana dianggap perlu necessary by the Committee; and
oleh Komite; serta
6. Melaksanakan tugas dan tanggung jawab 6. Carry out other duties and responsibilities
lain yang diberikan oleh Dewan Komisaris dari assigned by the Board of Commissioners from
waktu ke waktu. time to time.
Komposisi Komite Pemantau Risiko Composition of the Risk Monitoring Committee
Pada akhir 2023, keanggotaan Komite Pemantau At the end of 2023, the membership of the Risk
Risiko di Bank Hana terdiri dari 1 (satu) orang Monitoring Committee at Hana Bank consisted of 1
Komisaris Independen sebagai Ketua, dan 2 (dua) (one) Independent Commissioner as Chairman, and
orang pihak independen sebagai anggota yang 2 (two) independent parties as members who had
memiliki kualifikasi sesuai ketentuan Otoritas Jasa qualifications in accordance with the provisions of
Keuangan. the Financial Services Authority.
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Susunan Keanggotaan dan Masa Jabatan Komite Pemantau Risiko
Membership Composition and Term of Office of the Risk Monitoring Committee
Periode dan Masa Jabatan
Posisi di Posisi di Period and Term of Office
Komite Bank Hana
Nama Dasar Hukum Penunjukan Tanggal
Position on Position at Akhir Masa Jabatan
Name Legal Basis of Appointment Efektif
Committee Hana Bank Expiration of Term
Effective
of Office
Date
Eka Noor Ketua Komisaris SK Direksi No. 34/043B/DIR/ 9 Juni Penutupan RUPS
Asmara Chairman Independen SK tanggal 9 Juni 2023 2023 Tahunan 2024
Independent Board of Directors’ Decree June 9, Closing of the 2024
Commissioner No. 34/043B/DIR/SK dated 2023 Annual GMS
June 9, 2023
A. Dewantoro Anggota Pihak SK Direksi No. 34/043B/DIR/ 9 Juni Penutupan RUPS
Marsono Member Independen SK tanggal 9 Juni 2023 2023 Tahunan 2024
Independent Board of Directors’ Decree June 9, Closing of the 2024
Party No. 34/043B/DIR/SK dated 2023 Annual GMS
June 9, 2023
Edy Anggota Pihak SK Direksi No. 34/043B/DIR/ 9 Juni Penutupan RUPS
Kuntardjo Member Independen SK tanggal 9 Juni 2023 2023 Tahunan 2024
Independent Board of Directors’ Decree June 9, Closing of the 2024
Party No. 34/043B/DIR/SK dated 2023 Annual GMS
June 9, 2023
Profil Komite Pemantau Risiko Risk Monitoring Profile
Eka Noor Asmara
Ketua Komite Pemantau Risiko
Chairman of the Risk Monitoring Committee
Profil telah disajikan pada bagian “Profil Dewan The profile has been presented in the “Profile of the
Komisaris” bab “Profil Perusahaan” yang terdapat Board of Commissioners” section of the “Company
dalam Laporan Tahunan ini. Profile” chapter of this Annual Report
A. Dewantoro Marsono
Anggota Komite Pemantau Risiko
Member of Risk Monitoring Committee
Profil telah disajikan pada bagian “Profil Dewan The profile has been presented in the “Profile of the
Komisaris” “Lampiran” yang terdapat dalam Board of Commissioners” section in the “Appendix”
Laporan Tahunan ini. of this Annual Report
Edy Kuntardjo
Anggota Komite Pemantau Risiko
Member of Risk Monitoring Committee
Profil telah disajikan pada bagian “Profil Dewan The profile has been presented in the “Profile of the
Komisaris” “Lampiran” yang terdapat dalam Board of Commissioners” section in the “Appendix”
Laporan Tahunan ini. of this Annual Report
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Pernyataan Independensi Komite Statement of Independence of the Risk
Pemantau Risiko Monitoring Committee
Dalam melaksanakan tugas dan tanggung In carrying out its duties and responsibilities,
jawabnya, Komite Pemantau Risiko the Risk Monitoring Committee prioritizes the
mengedepankan prinsip independensi dan kehati- principles of independence and prudence. The
hatian. Bank senantiasa menjamin bahwa anggota Bank always guarantees that the members of the
Komite Pemantau Risiko yang saat ini menjabat Risk Monitoring Committee who currently serve
bebas dari segala intervensi, baik dari Dewan are free from any intervention, whether from the
Komisaris, Direksi, ataupun Pemegang Saham. Board of Commissioners, Board of Directors, or
Shareholders.
Selain itu, Komite Pemantau Risiko juga bebas In addition, the Risk Monitoring Committee is also
dari segala benturan kepentingan dan pengaruh free from any conflict of interest, influence, or
atau tekanan dari pihak mana pun yang tidak pressure from any party that is not in accordance
sesuai dengan peraturan perundang-undangan with applicable laws and regulations, ethical
yang berlaku; nilai-nilai etika, prinsip, dan praktik values, principles, and practices for conducting
penyelenggaraan usaha perbankan yang sehat; sound banking business, as well as Bank policies
serta kebijakan Bank yang mungkin terjadi selama that may occur during the implementation of the
pelaksanaan tugas dan tanggung jawab komite. committee’s duties and responsibilities.
Pedoman dan Tata Tertib Kerja Komite Risk Monitoring Committee Charter
Pemantau Risiko The Risk Monitoring Committee has a Charter that
Komite Pemantau Risiko telah memiliki Pedoman has been approved by the Board of Commissioners
dan Tata Tertib Kerja yang telah disetujui oleh in Decree No. 34/002/KOM/SK dated June 3, 2022.
Dewan Komisaris dengan Surat Keputusan No. This regulation is used as a guideline for carrying
34/002/KOM/SK tanggal 3 Juni 2022. Ketetapan out its duties and responsibilities professionally and
tersebut digunakan sebagai pedoman dalam independently.
menjalankan tugas dan tanggung jawabnya secara
profesional dan independen.
Rapat Komite Pemantau Risiko Risk Monitoring Committee Meeting
Kebijakan Rapat Meeting Policy
Kebijakan rapat Komite Pemantau Risiko di The policy for Risk Monitoring Committee meetings
lingkungan Bank Hana mengacu pada POJK No. within the Hana Bank environment adheres to
55/POJK.03/2016 tentang Penerapan Tata Kelola OJK Regulation No. 55/POJK.03/2016 regarding the
Bagi Bank Umum, sebagaimana telah diubah Implementation of Governance for Commercial
oleh POJK Tata kelola terbaru No. 17 tahun 2023 Banks, as amended by the latest Governance
yang berlaku pada tanggal 14 September 2023. Regulation No. 17 of 2023, effective as of September
Uraiannya adalah: 14, 2023. The details are as follows:
1. Komite Pemantau Risiko mengadakan rapat 1. The Risk Monitoring Committee holds regular
secara berkala berdasarkan Peraturan OJK yang meetings based on prevailing OJK regulations.
berlaku.
2. Rapat dapat dilaksanakan secara langsung, 2. Meetings can be conducted in person, through
melalui teleconference, ataupun media teleconferencing, or other electronic media.
elektronik lainnya.
3. Rapat Komite Pemantau Risiko dapat 3. Risk Monitoring Committee meetings can be
diselenggarakan jika paling tidak dihadiri held if attended by at least 51% (fifty-one percent)
oleh 51% (lima puluh satu persen) dari jumlah of the total members, including Independent
anggota, termasuk Komisaris Independen dan Commissioners and Independent Parties.
Pihak Independen.
4. Keputusan rapat Komite Pemantau Risiko 4. Decisions at Risk Monitoring Committee
diambil berdasarkan musyawarah untuk meetings are made through deliberation for
mufakat. consensus.
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5. Setiap rapat Komite Pemantau Risiko 5. Every meeting of Risk Monitoring Committee is
dituangkan dalam risalah rapat, termasuk outlined in the minutes of meeting, including
apabila terdapat perbedaan pendapat, yang any dissenting opinions, are documented
ditandatangani oleh seluruh anggota Komite and signed by all attending Risk Monitoring
Pemantau Risiko yang hadir dan disampaikan Committee members and submitted to the
kepada Dewan Komisaris. Board of Commissioners.
Realisasi Rapat Meeting Realization
Pada tahun 2023, Komite Pemantau Risiko telah In 2023, the Risk Monitoring Committee held 6 (six)
melaksanakan rapat sebanyak 6 (enam) kali. meetings. Information regarding the presence
Informasi mengenai kehadiran Komite Pemantau of the Risk Monitoring Committee at meetings is
Risiko dalam rapat diuraikan sebagai berikut: described as follows:
Frekuensi dan Kehadiran Rapat
Meeting Frequency and Attendance
Persentase
Jumlah Rapat
Nama Jabatan Kehadiran Kehadiran (%)
Number of
Name Position Attendance Attendance
Meeting
Percentage (%)
Eka Noor Asmara Ketua/Komisaris
Independen
6 6 100
Chairman/Independent
Commissioner
A. Dewantoro Anggota/Pihak
Marsono Independen
6 6 100
Member/ Independent
Party
Edy Kuntardjo Anggota/Pihak
Independen
6 6 100
Member/Independent
Party
Pengembangan Kompetensi Komite Risk Monitoring Committee Competency
Pemantau Risiko Development
Informasi mengenai pengembangan kompetensi Information regarding competency development
yang diikuti oleh anggota Komite Pemantau followed by members of the Monitoring Committee
disajikan pada bagian “Profil Dewan Komisaris” dan is presented in the section “Profile of the Board
“Profil Pihak Independen Anggota Komite Dewan of Commissioners” and “Profile of Independent
Komisaris” pada bab “Profil Perusahaan” dalam Party Members of the Board of Commissioners
Laporan Tahunan ini. Committee” in the chapter “Company Profile” in
this Annual Report.
Pelaksanaan Tugas dan Tanggung Jawab Implementation of the Duties and
Komite Pemantau Risiko Responsibilities of the Risk Monitoring
Pelaksanaan kegiatan Komite Pemantau Risiko Committee
tahun 2023 adalah sebagai berikut: The implementation of the Risk Monitoring
1. Evaluasi kesesuaian antara kebijakan Committee activities in 2023 is as follows:
manajemen risiko dengan pelaksanaan 1. Evaluate the suitability between risk
kebijakan Bank; management policies and the implementation
of Bank policies;
2. Membantu dan memberi rekomendasi dalam 2. Assist and provide recommendations in order to
rangka meningkatkan efektivitas manajemen improve the effectiveness of risk management
risiko dan memastikan bahwa kebijakan and ensure that risk management policies have
manajemen risiko telah diterapkan dengan been implemented carefully;
seksama;
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3. Pemantauan dan evaluasi pelaksanaan tugas – 3. Monitoring and evaluating the implementation
tugas Group Risk yang di dalamnya termasuk of Group Risk tasks, which include the Risk
Satuan Kerja Manajemen Risiko dan Komite Management Work Unit and Risk Management
Manajemen Risiko; Committee;
4. Mendukung pelaksanaan penerapan 4. Support the implementation of risk
manajemen risiko untuk 8 (delapan) jenis risiko management for 8 (eight) types of Bank risk;
Bank; dan and
5. Membantu memelihara dan memantau Tingkat 5. Help maintain and monitor the Bank’s Health
Kesehatan Bank serta mengambil langkah- Level and take the necessary steps to maintain
langkah yang diperlukan untuk memelihara and/or improve the Bank’s Health Level.
dan/atau meningkatkan Tingkat Kesehatan
Bank.
KOMITE REMUNERASI DAN NOMINASI REMUNERATION AND NOMINATION
COMMITTEE
Dalam struktur organisasi, Komite Remunerasi In the organizational structure, the Remuneration
dan Nominasi bertanggung jawab kepada Dewan and Nomination Committee is responsible for the
Komisaris dan bekerja sama dengan Unit Kerja Board of Commissioners and collaborates with
Sumber Daya Manusia (SDM) sebagai pihak yang the Human Resources (HR) Work Unit as the party
melaksanakan fungsi remunerasi dan nominasi. that carries out the remuneration and nomination
Komite Remunerasi dan Nominasi bertugas untuk functions. The Remuneration and Nomination
membantu Dewan Komisaris dalam menetapkan Committee is tasked with assisting the Board
kebijakan promosi jabatan dan/atau nominasi of Commissioners in determining policies for
anggota Dewan Komisaris dan Direksi. Komite promotion and/or nomination of members of the
ini juga berperan dalam mengawasi penerapan Board of Commissioners and Board of Directors.
kebijakan remunerasi seluruh karyawan Bank This committee also plays a role in supervising
dengan tetap memperhatikan ketentuan yang the implementation of remuneration policies for
berlaku. all Bank employees while still paying attention to
applicable regulations.
Tugas dan Tanggung Jawab Komite Duties and Responsibilities of the
Remunerasi dan Nominasi Remuneration and Nomination Committee
Dalam melakukan tugasnya, Komite Remunerasi In carrying out its duties, the Remuneration and
dan Nominasi bertanggung jawab kepada Dewan Nomination Committee is responsible for the
Komisaris dan wajib bertindak independen. Board of Commissioners and is obliged to act
independently.
1. Bidang Remunerasi 1. Remuneration Sector
a. Komite bertugas untuk melakukan evaluasi a. The Committee is tasked with evaluating
terhadap kebijakan remunerasi dan remuneration policies and providing
memberikan rekomendasi kepada Dewan recommendations to the Board of
Komisaris mengenai: Commissioners regarding:
i. Struktur, kebijakan, dan besaran atas i. Structure, policies and amount
remunerasi bagi Dewan Komisaris dan of remuneration for the Board of
Direksi untuk disampaikan kepada Rapat Commissioners and Board of Directors to
Umum Pemegang Saham; be submitted to the General Meeting of
Shareholders;
ii. Struktur, kebijakan, dan besaran atas ii. Structure, policies and amount of
remunerasi bagi Pejabat Eksekutif dan remuneration for Executive Officers and
pegawai secara keseluruhan untuk employees as a whole to be submitted to
disampaikan kepada Direksi; serta the Board of Directors; and
iii. Struktur, kebijakan, dan besaran atas iii. Structure, policies and amount of
remunerasi bagi anggota komite Dewan remuneration for members of the Board
Komisaris; of Commissioners committees;
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b. Membantu Dewan Komisaris melakukan b. Assist the Board of Commissioners in
penilaian kinerja dengan kesesuaian conducting performance assessments in
Remunerasi yang diterima masing-masing accordance with the Remuneration received
anggota Direksi dan/atau Dewan Komisaris; by each member of the Board of Directors
and/or Board of Commissioners;
c. Komite membuat rekomendasi kepada c. The Committee makes recommendations
Dewan Komisaris mengenai kompensasi to the Board of Commissioners regarding
bagi anggota Dewan Komisaris, Direksi, compensation for members of the Board
dan komite Dewan Komisaris setelah of Commissioners, Board of Directors and
pengangkatan mereka secara periodik; serta Board of Commissioners committees
following their periodic appointment; and
d. Komite akan mempertimbangkan hal- d. The Committee will consider other matters
hal lain yang dianggap perlu oleh Dewan deemed necessary by the Board of
Komisaris. Commissioners.
2. Bidang Nominasi 2. Nomination Sector
a. Memberikan rekomendasi kepada Dewan a. Provide recommendations to the Board of
Komisaris mengenai: Commissioners regarding:
i. Komposisi jabatan anggota Direksi dan/ i. Composition of positions of members of
atau anggota Dewan Komisaris; the Board of Directors and/or members
ii. Kebijakan dan kriteria yang dibutuhkan of the Board of Commissioners;
dalam proses Nominasi;\ ii. Policies and criteria required in the
iii. Kebijakan evaluasi kinerja bagi anggota Nomination process;
Direksi dan/ atau anggota Dewan iii. Performance evaluation policy for
Komisaris; members of the Board of Directors and/or
iv. Sistem serta prosedur pemilihan, members of the Board of Commissioners;
pengangkatan, pemberhentian, dan/ iv. Systems and procedures for selecting,
atau penggantian anggota Dewan appointing, dismissing and/or replacing
Komisaris dan Direksi untuk disampaikan members of the Board of Commissioners
kepada RUPS; dan and Board of Directors to be submitted
v. Calon yang memenuhi syarat sebagai to the GMS; and
anggota Dewan Komisaris dan/atau v. Candidates who meet the requirements
Direksi untuk disampaikan kepada RUPS; as members of the Board of
Commissioners and/or Board of Directors
to be submitted to the GMS;
b. Membantu Dewan Komisaris melakukan b. Assist the Board of Commissioners in
penilaian kinerja anggota Direksi dan/ assessing the performance of members
atau Dewan Komisaris berdasarkan tolok of the Board of Directors and/or Board of
ukur yang telah disusun sebagai bahan Commissioners based on benchmarks that
pertimbangan; have been prepared for consideration;
c. Memberikan rekomendasi kepada c. Provide recommendations to the Board
Dewan Komisaris mengenai program of Commissioners regarding capacity
pengembangan kemampuan anggota development programs for members of
Direksi dan/atau Dewan Komisaris; the Board of Directors and/or Board of
Commissioners;
d. Komite menentukan kriteria untuk d. The Committee determines the criteria to
diimplementasikan dalam mengidentifikasi be implemented in identifying candidates,
para calon, meninjau, dan menyetujui reviewing and approving nominations, and
nominasi, dan dalam melakukan hal in doing so the Committee will apply the
tersebut Komite akan menerapkan prinsip- principles:
prinsip:
i. Dewan Komisaris wajib memenuhi i. The Board of Commissioners is obliged to
peraturan perundang-undangan serta comply with applicable laws and regulations
prinsip-prinsip lainnya yang berlaku and other principles in accordance with the
sesuai dengan ketentuan regulator provisions of the relevant regulator;
terkait;
ii. Komite memastikan bahwa setiap ii. The Committee ensures that each
calon mampu dan layak untuk jabatan candidate is capable and suitable for
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atau kedudukan yang bersangkutan the position or position in question and
dan merupakan calon terbaik dan yang is the best and most qualified candidate
paling memenuhi syarat untuk posisi for that job or position by considering
atau kedudukan tersebut dengan the candidate’s historical record, age,
mempertimbangkan catatan riwayat experience, ability and other relevant
calon, umur, pengalaman, kemampuan, factors; and
dan faktor-faktor relevan lainnya; serta
e. Anggota Komite Remunerasi dan Nominasi e. Members of the Remuneration and
yang memiliki benturan kepentingan Nomination Committee who have a conflict
dengan usulan yang direkomendasikan of interest with the recommended proposal
seperti dimaksud pada poin 1 di atas, wajib as referred to in point 1 above are required to
mengungkapkan dalam usulan yang disclose it in the recommended proposal.
direkomendasi.
Komposisi Komite Remunerasi dan Nominasi Composition of the Remuneration and
Nomination Committee
Keanggotaan Komite Remunerasi dan Nominasi Membership of the Remuneration and Nomination
di Bank Hana terdiri dari 1 Komisaris Independen Committee at Hana Bank consisted of 1
sebagai Ketua Komite dan beranggotakan 1 Independent Commissioner as Chairman of the
Komisaris Independen dan 1 Pejabat Eksekutif Committee, 1 Independent Commissioner, and 1 HR
Divisi SDM sebagai anggota. Division Executive Officer as members.
Pada tahun 2023, Bank Hana mengalami In 2023, Hana Bank experienced changes in the
perubahan susunan anggota Komite Remunerasi composition of the Remuneration and Nomination
dan Nominasi sebagai berikut: Committee members as follows:
1. Berdasarkan keputusan SK Direksi No. 35/043A/ 1. Based on the Decree of the Board of Directors No.
DIR/SK tanggal 9 Juni 2023 terdiri dari 1 35/043A/DIR/SK dated June 9, 2023, it consists
Komisaris Independen sebagai Ketua Komite of 1 Independent Commissioner as Chairman of
dan beranggotakan 1 Komisaris Utama dan 1 the Committee, 1 President Commissioner, and
Pejabat Eksekutif Divisi SDM sebagai anggota. 1 HR Division Executive Officer as members.
2. Berdasarkan Surat Keputusan Direksi 2. Based on Directors’ Decree No.35/104A/DIR/
No.35/104A/DIR/SK tanggal 8 Desember 2023, SK dated December 8, 2023, it consists of 1
sehingga terdiri dari 1 Komisaris Independen Independent Commissioner as Chairman, 1
sebagai Ketua, 1 Komisaris Independen dan 1 Independent Commissioner, and 1 HR Division
Pejabat Eksekutif Divisi SDM sebagai anggota. Executive Officer as members.
Susunan Keanggotaan Komite Remunerasi dan Nominasi
Membership Composition and Term of Office of Remuneration and Nomination Committee
Periode dan Masa Jabatan
Posisi di Posisi di Period and Term of Office
Dasar Hukum
Komite Bank Hana
Nama Penunjukan Tanggal
Position on Position at Akhir Masa Jabatan
Name Legal Basis of Efektif
Committee Hana Bank Expiration of Term
Appointment Effective
of Office
Date
Eka Noor Ketua Komisaris Surat Keputusan Direksi: 9 Juni 7 Desember 2023
Asmara Chairman Independen No. 35/043A/DIR/SK 2023 7 December 2023
Independent tanggal 9 Juni 2023;
Commissioner dan No. 35/104A/ DIR/ 8
SK tanggal 8 Desember Desember Penutupan RUPS
2023 2023 Tahunan 2024
Decree of the Board of Closing of the 2024
Directors: June 9, Annual GMS
No. 35/043A/DIR/SK 2023
dated June 9, 2023; and
No. 35/104A/ DIR/SK December
dated December 8, 2023. 8, 2023
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Susunan Keanggotaan Komite Remunerasi dan Nominasi
Membership Composition and Term of Office of Remuneration and Nomination Committee
Periode dan Masa Jabatan
Posisi di Posisi di Period and Term of Office
Dasar Hukum
Komite Bank Hana
Nama Penunjukan Tanggal
Position on Position at Akhir Masa Jabatan
Name Legal Basis of Efektif
Committee Hana Bank Expiration of Term
Appointment Effective
of Office
Date
Dino Patti Anggota Komisaris SK Direksi No. 35/104A/ 8 Penutupan RUPS
Djalal1) Member Independen DIR/SK tanggal 8 Desember Tahunan 2024
Independent Desember 2023 2023 Closing of the 2024
Commissioner Board of Directors Annual GMS
Decree No. 35/104A/ DIR/ December
SK dated December 8, 8, 2023
2023
Sumia Anggota Chief Human Surat Keputusan Direksi 9 Juni 7 Desember 2023
Member Capital and No. 35/043A/DIR/SK 2023 7 December 2023
Operation tanggal 9 Juni 2023; 8
Officer dan No. 35/104A/ DIR/ Desember Penutupan RUPS
SK tanggal 8 Desember 2023 Tahunan 2024
2023 Closing of the 2024
Decree of the Board of June 9, Annual GMS
Directors No. 35/043A/ 2023
DIR/SK dated June 9,
2023; and No. 35/104A/ December
DIR/SK dated December 8, 2023
8, 2023
Sungwhan Lee2) Anggota Komisaris Surat Keputusan Direksi 9 Juni 8 Desember 2023
Member Utama Nomor 35/043A/DIR/SK 2023 December 8, 2023
President tanggal 9 Juni 2023
Commissioner Decree of the Board June 9,
of Directors Number 2023
35/043A/DIR/SK dated
June 9, 2023
Keterangan | Note:
1)
Efektif diangkat sebagai anggota Komite melalui Surat Keputusan Direksi No. 35/104A/DIR/SK tanggal 8 Desember 2023.
2)
Masa jabatan anggota sampai dicabut dan dinyatakan tidak berlaku lagi Surat Keputusan Direksi Nomor 35/043A/DIR/SK tanggal 9 Juni 2023 dan
dikeluarkannya Surat Keputusan Direksi No. 35/104A/DIR/SK tanggal 8 Desember 2023.
1)
Effectively appointed as a Committee member through the Board of Directors’ Decree No. 35/104A/DIR/SK dated December 8, 2023.
2)
The member’s term of office is until it is revoked and declared no longer valid. The Board of Directors’ Decree Number 35/043A/DIR/SK dated June
9, 2023 and the issuance of Board of Directors’ Decree No. 35/104A/DIR/SK dated December 8, 2023.
Profil Komite Remunerasi dan Nominasi
Eka Noor Asmara
Ketua Komite Remunerasi dan Nominasi
Chairman of Remuneration and Nomination
Committee
Profil telah disajikan pada bagian “Profil Dewan The profile has been presented in the “Profile of the
Komisaris” bab “Profil Perusahaan” yang terdapat Board of Commissioners” section of the “Company
dalam Laporan Tahunan ini. Profile” chapter of this Annual Report.
Sungwhan Lee*
Anggota Komite Remunerasi dan Nominasi Remuneration and Nomination Committee
Remuneration and Nomination Committee Profile
Member
Profil telah disajikan pada bagian “Profil Dewan The profile has been presented in the “Profile of the
Komisaris” bab “Profil Perusahaan” yang terdapat Board of Commissioners” section of the “Company
dalam Laporan Tahunan ini. Profile” chapter of this Annual Report.
* Masa jabatan anggota dicabut dan dinyatakan tidak berlaku lagi berdasarkan Surat Keputusan Direksi Nomor 35/043A/DIR/SK tanggal 9 Juni 2023
dan dikeluarkannya Surat Keputusan Direksi No. 35/104A/DIR/SK tanggal 8 Desember 2023.
* The term of office of the members was revoked and declared invalid based on the Board of Directors Decree No. 35/043A/DIR/SK dated June 9, 2023
and the issuance of Board of Directors Decree No. 35/104A/DIR/SK dated December 8, 2023.
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Dino Patti Djalal**
Anggota Komite Remunerasi dan Nominasi
Remuneration and Nomination Committee
Member
Profil telah disajikan pada bagian “Profil Dewan The profile has been presented in the “Profile of the
Komisaris” bab “Profil Perusahaan” yang terdapat Board of Commissioners” section of the “Company
dalam Laporan Tahunan ini. Profile” chapter of this Annual Report.
* Efektif diangkat sebagai anggota Komite melalui Surat Keputusan Direksi No. 35/104A/DIR/SK tanggal 8 Desember 2023.
* Effectively appointed as a member of the Committee through Directors’ Decree No. 35/104A/DIR/SK dated 8 December 2023.
Sumia
Anggota Komite Remunerasi dan Nominasi
Remuneration and Nomination Committee
Member
Profil telah disajikan pada bagian “Profil Anggota Profiles have been presented in the section “Profiles
Komite Direksi Pejabat Eksekutif Bank, Anggota of Committee Members of the Board of Directors,
Komite Direksi, Pejabat Eksekutif Bank” pada lampiran Executive Officers of the Bank, Committee Members of
yang terdapat dalam Laporan Tahunan ini. the Board of Directors, Executive Officers of the Bank”
in the appendix contained in this Annual Report.
Independensi Komite Remunerasi dan Independence of the Remuneration
Nominasi and Nomination Committee
Dalam melaksanakan tugas dan tanggung In carrying out its duties and responsibilities,
jawabnya, Komite Remunerasi dan Nominasi the Remuneration and Nomination Committee
mengedepankan prinsip independensi dan kehati- prioritizes the principles of independence and
hatian. Bank senantiasa menjamin bahwa anggota prudence. The Bank always guarantees that the
Komite Remunerasi dan Nominasi yang saat ini members of the Remuneration and Nomination
menjabat bebas dari segala intervensi, baik dari Committee who currently serve are free from
Dewan Komisaris, Direksi, ataupun Pemegang any intervention, whether from the Board of
Saham. Commissioners, Board of Directors, or Shareholders.
Selain itu, Komite Remunerasi dan Nominasi juga In addition, the Remuneration and Nomination
bebas dari segala benturan kepentingan dan Committee is also free from any conflict of
pengaruh atau tekanan dari pihak mana pun interest, influence, or pressure from any party
yang tidak sesuai dengan peraturan perundang- that is not in accordance with applicable laws
undangan yang berlaku; nilai-nilai etika, prinsip, and regulations, ethical values, principles, and
dan praktik penyelenggaraan usaha perbankan practices for conducting sound banking business,
yang sehat; serta kebijakan Bank yang mungkin as well as Bank policies that may occur during the
terjadi selama pelaksanaan tugas dan tanggung implementation of the committee’s duties and
jawab komite. responsibilities.
Pedoman dan Tata Tertib Kerja Komite Remuneration and Nomination
Remunerasi dan Nominasi Committee Charter
Komite Remunerasi dan Nominasi telah memiliki The Remuneration and Nomination Committee
Pedoman dan Tata Tertib Kerja yang telah disetujui has a Charter that has been approved by the Board
oleh Dewan Komisaris dengan Surat Keputusan of Commissioners in Decree No. 34/003/KOM/SK
No. 34/003/KOM/SK tanggal 16 November 2021. dated November 16, 2021. These provisions are also
Ketentuan tersebut juga digunakan sebagai used as guidelines for carrying out their duties and
pedoman dalam menjalankan tugas dan tanggung responsibilities professionally and independently.
jawabnya secara profesional dan independen.
Rapat Komite Remunerasi dan Remuneration and Nomination
Nominasi Committee Meeting
Kebijakan Policy
Kebijakan rapat Komite Remunerasi dan Nominasi The Remuneration and Nomination Committee
di lingkungan Bank Hana mengacu pada POJK No. meeting policy within Bank Hana refers to POJK
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55/POJK.03/2016 tentang Penerapan Tata Kelola No. 55/POJK.03/2016 concerning Implementation
Bagi Bank Umum, sebagaimana telah diubah of Governance for Commercial Banks, as amended
oleh POJK Tata kelola terbaru No. 17 tahun 2023 by the latest POJK Governance No. 17 of 2023 which
yang berlaku pada tanggal 14 September 2023. takes effect on September 14 2023. The description
Uraiannya adalah: is:
1. Komite Remunerasi dan Nominasi mengadakan 1. The Remuneration and Nomination Committee
rapat secara berkala berdasarkan Peraturan holds regular meetings based on applicable
OJK yang berlaku. OJK Regulations.
2. Rapat dapat dilaksanakan secara langsung, 2. Meetings can be held in person, via
melalui teleconference, ataupun media teleconference, or other electronic media.
elektronik lainnya.
3. Rapat Komite Remunerasi dan Nominasi dapat 3. Remuneration and Nomination Committee
diselenggarakan jika paling tidak dihadiri meetings can be held if at least 51% (fifty one
oleh 51% (lima puluh satu persen) dari jumlah percent) of the total members, including
anggota, termasuk Komisaris Independen dan Independent Commissioners and Independent
Pihak Independen. Parties, attend.
4. Keputusan rapat Komite Remunerasi dan 4. Remuneration and Nomination Committee
Nominasi diambil berdasarkan musyawarah meeting decisions are taken based on
untuk mufakat. deliberation to reach consensus.
5. Setiap rapat Komite Remunerasi dan Nominasi 5. Every meeting of the Remuneration and
dituangkan dalam risalah rapat, termasuk Nomination Committee is outlined in the
apabila terdapat perbedaan pendapat, yang minutes of the meeting, including if there are
ditandatangani oleh seluruh anggota Komite differences of opinion, which are signed by all
Remunerasi dan Nominasi yang hadir dan members of the Remuneration and Nomination
disampaikan kepada Dewan Komisaris. Committee who are present and submitted to
the Board of Commissioners.
Realisasi Realization
Pada tahun 2023, Komite Remunerasi dan Nominasi In 2023, the Remuneration and Nomination
telah melaksanakan rapat sebanyak 5 (lima) kali. Committee held 5 (five) meetings. Information
Informasi mengenai kehadiran Komite Remunerasi regarding the presence of the Remuneration and
dan Nominasi dalam rapat disampaikan pada tabel Nomination Committee at meetings is presented
berikut: in the following table.
Frekuensi dan Kehadiran Rapat
Meeting Frequency and Attendance
Persentase
Jumlah Rapat2)
Nama1) Jabatan Kehadiran Kehadiran (%)
Number of
Name Position Attendance Attendance
Meeting
Percentage (%)
Eka Noor Asmara Komisaris Independen
Independent 5 5 100
Commissioner
Dino Patti Djalal 3) Komisaris Independen
Independent 0 0 100
Commissioner
Sumia Chief Human Capital and
5 5 100
Operation Officer
Sungwhan Lee Komisaris Utama
5 5 100
President Commissioner
Keterangan | Note:
1)
Masa jabatan sesuai dengan tabel Susunan Keanggotaan dan Independensi Komite Remunerasi dan Nominasi;
2)
Jumlah rapat sesuai dengan tanggal efektif jabatan dan tanggal berakhirnya jabatan pada tabel Susunan Keanggotaan Komite Remunerasi dan
Nominasi.
3)
Efektif diangkat sebagai anggota Komite melalui Surat Keputusan Direksi No. 35/104A/DIR/SK tanggal 8 Desember 2023.
1)
Term of office in accordance with the Membership Composition and Independence of the Remuneration and Nomination Committee table;
2)
The number of meetings is in accordance with the effective date of office and the expiration date of office in the Remuneration and Nomination
Committee Membership Composition table.
3)
Effectively appointed as a Committee member through Directors’ Decree No. 35/104A/DIR/SK dated 8 December 2023.
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Pengembangan Kompetensi Komite Remuneration and Nomination Committee
Remunerasi dan Nominasi Competency Development
Informasi mengenai pengembangan kompetensi Information regarding the competency
yang diikuti oleh anggota Komite Remunerasi development attended by members of the
dan Nominasi disajikan pada bagian “Profil Remuneration and Nomination Committee is
Dewan Komisaris” dan “Profil Anggota Komite presented in the “Board of Commissioners Profile”
Direksi Pejabat Eksekutif Bank, Anggota Komite and “Profiles of Executive Officers, Board Committee
Direksi, Pejabat Eksekutif Bank” pada bab “Profil Members” sections under the “Company Profile”
Perusahaan” dalam Laporan Tahunan ini. chapter in this Annual Report.
Pelaksanaan Tugas dan Tanggung Jawab Implementation of Duties and Responsibilities
Komite Remunerasi dan Nominasi of the Remuneration and Nomination
Committee
Sepanjang tahun 2023, beberapa rekomendasi Throughout 2023, several recommendations have
yang telah diberikan Komite Remunerasi dan been given by the Remuneration and Nomination
Nominasi, antara lain: Committee, including:
1. Melakukan penilaian atas hasil self-assessment 1. Conduct an assessment of the results of
anggota Direksi, anggota Dewan Komisaris dan the self-assessment of members of the
Chiefs; Board of Directors, members of the Board of
Commissioners, and Chiefs;
2. Mengkaji peringkat kinerja tahun 2022, 2. Review the 2022 performance rankings
menyusun rekomendasi bonus kinerja tahun and prepare recommendations for 2022
2022 dan kenaikan gaji tahun 2023 anggota performance bonuses and 2023 salary increases
Direksi dan Chiefs (Board of Management) serta for members of the Board of Directors and
karyawan; Chiefs (Board of Management) and employees;
3. Mengkaji peringkat kinerja tahun 2022, 3. Review the 2022 performance rankings
menyusun rekomendasi kenaikan gaji tahun and prepare recommendations for salary
2023 anggota Dewan Komisaris; increases in 2023 for members of the Board of
Commissioners;
4. Melakukan kajian dan evaluasi penghargaan 4. Conduct studies and evaluations of awards for
masa kerja anggota Direksi; the tenure of members of the Board of Directors;
5. Melakukan kajian dan evaluasi promosi 5. Conduct studies and evaluations of employee
karyawan. promotions.
6. Melakukan kajian dan evaluasi SDM penutupan 6. Conduct a review and evaluation of human
kantor cabang. resources for branch office closures.
7. Melakukan kajian perubahan struktur organisasi 7. Conduct a study on changes to the bankwide
bankwide. organizational structure.
8. Melakukan penilaian dan memberikan 8. Conduct assessments and provide
rekomendasi mengenai calon Direktur recommendations regarding candidates for
Keuangan dan Direktur Bisnis; Finance Director and Business Director;
9. Melakukan penilaian dan memberikan 9. Conduct assessments and provide
rekomendasi mengenai pengangkatan kembali recommendations regarding the re-
anggota Direksi dan anggota Dewan Komisaris appointment of members of the Board of
yang masa jabatannya akan berakhir pada Directors and members of the Board of
RUPST 2023; dan Commissioners whose terms of office will expire
at the 2023 AGMS; and
10. Memberikan rekomendasi penunjukan 10. Provide recommendations for the appointment
maupun penunjukan kembali anggota Komite or re-appointment of Committee members
di bawah Dewan Komisaris. under the Board of Commissioners.
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Organ Pendukung Direksi
Supporting Organs of The Board of Directors
Dalam rangka pelaksanaan tugas yang lebih In order to carry out their duties more effectively,
efektif, Direksi dibantu oleh beberapa komite the Board of Directors is assisted by several
sebagai bagian dari penerapan asas transparansi committees as part of implementing the principles
dan penguatan pengawasan internal. Namun of transparency and strengthening internal
demikian, tanggung jawab tetap berada pada supervision. However, responsibility remains with
Direksi. the Board of Directors.
Rekomendasi dari komite dijadikan acuan dalam Recommendations from the committee are used
pengambilan keputusan Direksi. Partisipasi as a reference in making decisions for the Board
aktif Direktur Kepatuhan dan Legal terhadap of Directors. The Compliance and Legal Director’s
komite-komite dilakukan dengan tetap menjaga active participation in committees is carried out
independensinya sehingga dapat mencegah while maintaining his or her independence so as to
keputusan yang berpotensi melanggar peraturan prevent decisions that have the potential to violate
perundangan berlaku. Seluruh komite di bawah applicable laws and regulations. All committees
Direksi diatur dalam Pedoman dan Tata Tertib Kerja under the Board of Directors are regulated in the
Komite Direksi yang ditandatangani oleh Direksi. Board of Directors Committee Charter, which is
Adapun komite-komite di bawah wewenang signed by the Board of Directors. The committees
Direksi diuraikan sebagai berikut: under the authority of the Board of Directors are
described as follows:.
Pedoman dan Tata Tertib Kerja Komite Board of Directors Supporting
Pendukung Direksi Committee Charter
Organ pendukung Direksi telah memiliki Pedoman The supporting organs of the Board of Directors
dan Tata Tertib Kerja yang telah disetujui oleh have a Charter, which has been approved by the
Direksi. Board of Directors.
Pedoman dan Tata Tertib Kerja Organ Charter of the Board of Directors Supporting
Pendukung Direksi Organs
Komite Direksi Tanggal Persetujuan Direksi
Board of Director Committee Date of Board of Director Approval
• Komite Aset dan Liabilitas (ALCO) SK Direksi No. 35/109/DIR/SK tanggal 28 Desember 2023.
Asset and Liability Committee (ALCO) Board of Directors' Decree No. 35/109/DIR/SK dated
• Komite Manajemen Risiko December 28, 2023.
Risk Management Committee
• Komite Kredit
Credit Committee
• Komite Kebijakan Kredit
Credit Policy Committee
• Komite Pengarah Teknologi Informasi
Information Technology Steering Committee
• Komite Pengembangan Produk
Product Development Committee
• Komite Sumber Daya Manusia
Human Resource Committee
• Komite Investigasi Kredit
Credit Investigation Committee
• Komite Investigasi Fraud
Fraud Investigation Committee
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 353
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Seluruh komite di bawah Direksi diatur dalam All committees under the Board of Directors are
Pedoman dan Tata Tertib Kerja Komite Direksi regulated in the Board of Directors Committee
yang ditandatangani oleh Direksi. Adapun komite- Charter, which is signed by the Board of Directors.
komite di bawah wewenang Direksi diuraikan The committees under the authority of the Board
sebagai berikut: of Directors are described as follows:
KOMITE ASET DAN LIABILITAS (ALCO) ASSET AND LIABILITY COMMITTEE
(ALCO)
ALCO merupakan komite tetap di bawah Direksi ALCO is a permanent committee under the Board
yang memiliki misi untuk mencapai tingkat of Directors whose mission is to achieve optimal
profitabilitas Bank Hana secara optimal. Selain itu, levels of Hana Bank profitability. Apart from that,
ikut memastikan risiko likuiditas, risiko suku bunga, it also ensures that liquidity risk, interest rate risk,
dan risiko nilai tukar terkendali melalui penetapan and exchange rate risk are controlled through
kebijakan dan strategi pengelolaan aset dan establishing Hana Bank’s asset and liability
liabilitas (assets and liabilities management) Bank management policies and strategies.
Hana.
Tugas dan Tanggung Jawab ALCO ALCO Duties and Responsibilities
ALCO memiliki tugas dan tanggung jawab untuk: ALCO has duties and responsibilities to:
1. Memberikan rekomendasi kepada Direksi 1. Provide recommendations to the Board of
dalam rangka menetapkan kebijakan-kebijakan Directors in order to establish policies as one
sebagai salah satu pedoman pelaksanaan of the guidelines for implementing Asset &
Asset & Liabilities Management, seperti Liabilities Management, such as Liquidity
Liquidity Management, Pricing Policy, dan Gap Management, Pricing Policy and Gap
Management; Management;
2. Memantau dan menilai kembali kebijakan yang 2. Monitor and reassess established policies;
telah ditetapkan;
3. Memastikan bahwa setiap saat Bank 3. Ensure that at all times the Bank has sufficient
mempunyai likuiditas dan modal yang cukup liquidity and capital to support operational
untuk mendukung kegiatan operasional, activities by monitoring the liquidity position,
dengan memantau posisi likuiditas, giro minimum statutory reserve (GWM), net foreign
wajib minimum (GWM), posisi devisa neto, exchange position, movement and growth of
pergerakan dan pertumbuhan dana dan kredit, funds and loans, as well as market conditions
serta kondisi pasar (kurs, suku bunga); serta (exchange rate, interest rates) ; and
4. Menghimpun dan memantau informasi 4. Collect and monitor important information,
penting, seperti situasi dan kondisi makro such as the national economic and monetary
perekonomian dan moneter nasional serta macro situation and conditions, as well as
perkembangan perbankan nasional, seperti national banking developments, such as
produk, likuiditas, suku bunga dana dan kredit products, liquidity, interest rates on national
perbankan nasional, serta kinerja perbankan banking funds and credit, and national banking
nasional. performance.
Komposisi ALCO ALCO Composition
Pada akhir 2023, keanggotaan ALCO di Bank Hana At the end of 2023, ALCO membership at Hana
terdiri dari satu orang Direktur sebagai Ketua Bank consisted of one Director as Chairman of the
Komite serta beranggotakan 4 (empat) orang Committee, 4 (four) Directors, and 14 Executive
Direktur dan 14 Pejabat Eksekutif. Officers as members.
354 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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Struktur Keanggotaan ALCO
Membership Composition and Term of Office of Remuneration and Nomination Committee
Periode dan Masa Jabatan
Posisi di Komite dan Period and Term of Office
Dasar Hukum
Bank Hana
Nama Penunjukan Akhir Masa
Position in the
Name Legal Basis of Tanggal Jabatan
Committee and
Appointment Efektif Termination
Bank Hana
Date
Hang Keun Cho1) Ketua – Direktur SK Direksi No. 10 Oktober 27 Desember
Keuangan 34/116A/DIR/SK 2022 2023
Seong Hyeok Mun2) Chairman – Finance tanggal 10 Oktober
Director 2022
Bayu Wisnu Wardhana Anggota – Direktur Board of Directors’
Kepatuhan & Legal Decision Letter No.
Member – Compliance & 34/116A/DIR/SK dated
Legal Director 10 October2022 Sampai
Junita Wangsadinata3) Anggota – Direktur dicabutnya SK
Bisnis SK Direksi Direksi
Geoffry Nugraha 4) Member – Business No. 35/109/DIR/SK No. 35/109/DIR/
Director tanggal 28 28 Desember SK tanggal 28
Desember 2023 2023 Desember
Anton Hermawan5) Anggota – Direktur 2023
Perbankan Konsumer Board of Directors’
Member – Director of Decision Letter No. Until the
Consumer Banking 35/109/DIR/SK dated revocation
28 December 2023 of Directors’
Ratna Ningsih Anggota – Direktur
Decree No.
Kredit
35/109/DIR/
Member – Credit
SK dated 28
Director
December 2023
Novalita Imanuddin Anggota – Chief Risk
Officer
Member – Chief Risk
Officer
Hendri Setiawan Anggota – Chief
Business Officer
Member – Chief
Business Officer
Jung Woo Seo Anggota – Head of
Treasury
Member – Head of
Treasury
Lee Yong Taek6) / Anggota – Head of
Mitchell Suryatenggara Credit Review / Credit
Review 2
Kim Youngkwon7) / Member – Head of Credit
Mitchell Suryatenggara Review / Credit Review 2
Vonny Irawan8) Anggota – Head of
Transaction Banking
Member – Head of
Transaction Banking
Adithia Isdiyanto Seti Anggota – Head of Sales
Autama & Distribution
Member – Head of Sales
& Distribution
Juli Maria9) Anggota – Head of SME
Member – Head of SME
Marco Wirjadi10)
Jimmy Wijaya Anggota – Head of
Corporate Banking
Member – Head of
Corporate Banking
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 355
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Struktur Keanggotaan ALCO
Membership Composition and Term of Office of Remuneration and Nomination Committee
Periode dan Masa Jabatan
Posisi di Komite dan Period and Term of Office
Dasar Hukum
Bank Hana
Nama Penunjukan Akhir Masa
Position in the
Name Legal Basis of Tanggal Jabatan
Committee and
Appointment Efektif Termination
Bank Hana
Date
Faisal Aswin Anggota – Head of SK Direksi No. SK Direksi No. 27 Desember
Tambayong11) Commercial Banking 34/116A/DIR/SK 34/116A/DIR/ 2023
Member – Head of tanggal 10 Oktober SK tanggal 10
Rahman Fianto12) Commercial Banking 2022 Oktober 2022
Eun Sung Lee Anggota – Head of Board of Directors’ Board of
Private Banking Decision Letter No. Directors’
Member – Head of 34/116A/DIR/SK dated Decision Letter
Private Banking 10 October2022 No. 34/116A/ Sampai
DIR/SK dated dicabutnya SK
In Joon Lee13)/Dong Lak Anggota – Head of
SK Direksi 10 October2022 Direksi
Kim/Chang Hee Han Global Marketing
No. 35/109/DIR/SK No. 35/109/DIR/
Member – Head of
Sungwun Jung 14) /Dong tanggal 28 SK Direksi SK tanggal 28
Global Marketing
Lak Kim/ Han Chang Desember 2023 No. 35/109/DIR/ Desember
Hee SK 2023
Board of Directors’ tanggal 28
Emmanuela Chrisanti Anggota – Head of Loan Decision Letter No. Desember Until the
Asterina Product 35/109/DIR/SK dated 2023 revocation
Member – Head of Loan 28 December 2023 of Directors’
Product Board of Decree No.
Directors’ 35/109/DIR/
Hilda Limyanton 15)
Anggota – Head of
Decision Letter SK dated 28
Funding Product &
No. 35/109/ December 2023
Tanuwijaya Diana 16) Digital Marketing
DIR/SK dated
Member – Head of
28 December
Funding Product &
2023
Rahmat Hendratama Anggota/Sekretaris
– Head of Financial
Planning
Digital Marketing
Member/Secretary
– Head of Financial
Planning
Keterangan | Note:
1)
Efektif mengundurkan diri sebagai Direktur Keuangan tanggal 5 Mei 2023.
2)
Efektif menjabat sebagai Direktur Keuangan tanggal 5 Mei 2023.
3)
Efektif mengundurkan diri sebagai Direktur Bisnis setelah penutupan RUPST tanggal 9 Juni 2023.
4)
Efektif menjabat sebagai Direktur Bisnis tanggal 15 Agustus 2023.
5)
Efektif mengundurkan diri sebagai Direktur Perbankan Konsumer tanggal 1 Januari 2024.
6)
Masa jabatan sebagai Head of Credit Review berakhir tanggal 15 Mei 2023.
7)
Efektif menjabat sebagai Head of Credit Review tanggal 24 Mei 2023.
8)
Masa jabatan sebagai Head of Transaction Banking berakhir tanggal 1 Januari 2024.
9)
Masa jabatan sebagai Head of SME berakhir tanggal 1 Desember 2023.
10)
Efektif menjabat sebagai Head of SME tanggal 1 Desember 2023.
11)
Efektif mengundurkan diri sebagai Head of Commercial Banking tanggal 1 Februari 2023.
12)
Efektif menjabat sebagai Head of Commercial Banking tanggal 1 Februari 2023.
13)
Efektif mengundurkan diri sebagai Head of Global Marketing 1 tanggal 26 Januari 2023.
14)
Efektif menjabat sebagai Head of Global Marketing 1 tanggal 6 April 2023.
15)
Efektif mengundurkan diri sebagai Head of Funding Product & Digital Marketing tanggal 18 Juli 2023.
16)
Efektif menjabat sebaga Head of Funding Product & Digital Marketing tanggal 1 Oktober 2023.
1)
Effective resign from the position of Chief Financial Officer on May 5, 2023.
2)
Effective appointed as Chief Financial Officer on May 5, 2023.
3)
Effective resign from the position of Business Director after the closing of the EGM on June 9, 2023.
4)
Effective appointed as Business Director on August 15, 2023.
5)
Effective resign from the position of Consumer Banking Director on January 1, 2024.
6)
Term of office as Head of Credit Review ended on May 15, 2023.
7)
Effective appointed as Head of Credit Review on May 24, 2023.
8)
Term of office as Head of Transaction Banking ended on January 1, 2024.
9)
Term of office as Head of SME ended on December 1, 2023.
10)
Effective appointed as Head of SME on December 1, 2023.
11)
Effective resign from the position of Head of Commercial Banking on February 1, 2023.
12)
Effective appointed as Head of Commercial Banking on February 1, 2023.
13)
Effective resign from the position of Head of Global Marketing 1 on January 26, 2023.
14)
Effective appointed as Head of Global Marketing 1 on April 6, 2023.
15)
Effective resign from the position of Head of Funding Product & Digital Marketing on July 18, 2023.
16)
Effective appointed as Head of Funding Product & Digital Marketing on October 1, 2023.
356 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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Profil Singkat Anggota ALCO
Membership Composition and Term of Office of Remuneration and Nomination Committee
Usia Dasar Rangkap
Warga
Nama (Tahun) Pengangkatan Pendidikan Pengalaman Kerja Jabatan
Negara
Name Age Basis of Education Work Experience Concurrent
Nationality
(year old) Appointment Position
Mun Seong Hyeok Profil telah disajikan pada SK Direksi Profil telah disajikan pada “Profil Direksi”
“Profil Direksi” No. 35/109/DIR/SK The profile has been presented in "Board of
Bayu Wisnu Wardhana The profile has been tanggal 28 Director's Profile"
presented in "Board of Desember 2023
Geoffry Nugraha
Director's Profile"
Ratna Ningsih Board of Directors
Decree
Novalita Imanuddin Profil telah disajikan pada No. 35/109/DIR/SK Profil telah disajikan pada "Profil Anggota Komite
"Lampiran" December 28, Direksi"
Hendri Setiawan 2023 The profile has been presented in “Appendix”
Jung Woo Seo
Kim Youngkwon
Mitchell Suryatenggara
Anjar Widodo
Adithia Isdiyanto Seti
Autama
Marco Wirjadi
Rahman Fianto
Eun Sung Lee
Sungwun Jung
Dong Lak Kim
Han Chang Hee
Emmanuela Chrisanti
Asterina
Tanuwijaya Diana
Rahmat Hendratama
Independensi ALCO ALCO Independence
Dalam melaksanakan tugas dan tanggung In carrying out its duties and responsibilities,
jawabnya, ALCO mengedepankan prinsip ALCO prioritizes the principles of independence
independensi dan kehati-hatian. Bank senantiasa and prudence. The Bank always guarantees that
menjamin bahwa anggota ALCO yang saat ini ALCO members who currently serve are free
menjabat bebas dari segala intervensi, baik dari from any intervention, whether from the Board of
Dewan Komisaris, Direksi, ataupun Pemegang Commissioners, Board of Directors, or Shareholders.
Saham.
Selain itu, ALCO juga bebas dari segala benturan Apart from that, ALCO is also free from any
kepentingan dan pengaruh atau tekanan dari pihak conflicts of interest, influence, or pressure from
mana pun yang tidak sesuai dengan peraturan any party that is not in accordance with applicable
perundang-undangan yang berlaku; nilai-nilai laws and regulations, ethical values, principles, and
etika, prinsip, dan praktik penyelenggaraan usaha practices for conducting sound banking business,
perbankan yang sehat; serta kebijakan Bank yang as well as Bank policies that may occur during the
mungkin terjadi selama pelaksanaan tugas dan implementation of the committee’s duties and
tanggung jawab komite. responsibilities.
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Rapat ALCO ALCO Meeting
Kebijakan Rapat Meeting Policy
Beberapa kebijakan rapat ALCO sebagai berikut: Some of ALCO’s meeting policies are as follows:
1. Rapat ALCO dilaksanakan sekurang-kurangnya 1. ALCO meetings are held at least once every 3
3 (tiga) bulan sekali. (three) months.
2. Rapat dilakukan apabila dihadiri dan/atau 2. A meeting is held if more than 50% (fifty
diwakili lebih dari 50% (lima puluh per percent) of the total number of committee
seratus) dari seluruh jumlah anggota komite members who have voting rights are attended
yang memiliki hak suara dengan ketentuan and/or represented, provided that one of them
salah satunya adalah ketua komite dan/atau is the committee chairman and/or substitute for
pengganti ketua komite. the committee chairman.
Keputusan Rapat ALCO berlandaskan hal-hal
berikut: ALCO Meeting decisions are based on the
a. Rapat Komite following:
• Keputusan Rapat ALCO harus diambil a. Committee Meeting
berdasarkan musyawarah untuk • ALCO Meeting decisions must be taken
mufakat. based on deliberation to reach consensus.
• Apabila keputusan berdasarkan
musyawarah untuk mufakat tidak • If a decision based on deliberation
tercapai, keputusan diambil apabila to reach consensus is not reached, a
disetujui lebih dari ½ (satu per dua decision is taken if it is approved by more
atau setengah) dari jumlah suara yang than ½ (one-half or half) of the total votes
dikeluarkan dalam rapat. cast at the meeting.
• Apabila keputusan yang diambil dari
jumlah suara seri (posisi Ya dan Tidak • If the decision taken from the number
sama) atau terdapat perselisihan of votes is a tie (the Yes and No positions
pendapat, maka hak video diberikan are the same) or there is a disagreement,
kepada Ketua Rapat Fraud Investigation then the video rights are given to
Committee (Hak Veto), atau the Chair of the Fraud Investigation
b. Sirkulasi melalui Internal Memo dengan Committee Meeting (Veto Rights), or
kondisi: b. Circulation via Internal Memo with
• Apabila pengambilan keputusan conditions:
dilakukan secara sirkulasi, Internal Memo • If decision making is carried out by
dibuat oleh Sekretaris dengan arahan circulation, an Internal Memo is made
dari Ketua ALCO by the Secretary with direction from the
• Ketua dan semua Anggota Komite yang Chair of ALCO
dilibatkan harus telah diinformasikan • The Chair and all Committee Members
secara tertulis mengenai adanya usulan involved must have been informed in
yang dibuat dalam bentuk Internal writing regarding any proposals made
Memo. Draft keputusan dicantumkan in the form of an Internal Memo. The
dalam Internal Memo. draft decision is included in the Internal
• Ketua dan semua Anggota Komite yang Memo.
dilibatkan wajib memberikan keputusan • The Chairman and all Committee
atau persetujuan secara tertulis atau Members involved are required to
melalui sistem. provide decisions or approvals in writing
• Keputusan yang diambil secara sirkulasi, or through the system.
memiliki kekuatan hukum yang sama • Decisions taken by circulation have the
dengan keputusan yang diambil dalam same legal force as decisions taken at a
Rapat Komite. Committee Meeting.
3. Hasil rapat komite wajib dituangkan dalam 3. The results of the committee meeting must be
Risalah Rapat yang ditandatangani oleh Ketua stated in the Minutes of Meeting signed by the
dan Sekretaris Komite. Chairman and Secretary of the Committee.
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Frekuensi dan Kehadiran Rapat Meeting Frequency and Attendance
Sepanjang tahun 2023, ALCO mengadakan Throughout 2023, ALCO has held 4 (four) meetings.
rapat sebanyak 4 (empat) kali. Rincian frekuensi Details of the frequency of attendance are
kehadiran disampaikan dalam tabel di bawah ini. presented in the table below:
Posisi di Komite dan Persentase
Jumlah Rapat Kehadiran
Nama Bank Hana Kehadiran (%)
Number of Number of
Name Position in Committee Percentage of
Meetings Meetings
and Hana Bank Attendance (%)
Hang Keun Cho1) Ketua – Direktur 1 1 100%
Keuangan
Seong Hyeok Mun2) Chairman – Finance 3 3 100%
Director
Bayu Wisnu Anggota – Direktur 4 3 75%
Wardhana Kepatuhan & Legal
Member – Compliance &
Legal Director
Junita Anggota – Direktur Bisnis 1 1 100%
Wangsadinata3) Member – Business
Director
Geoffry Nugraha4) 2 2 100%
Anton Hermawan5) Anggota – Direktur 4 4 100%
Perbankan Konsumer
Member – Director of
Consumer Banking
Ratna Ningsih Anggota – Direktur Kredit 4 3 75%
Member – Credit Director
Novalita Imanuddin Anggota – Chief Risk 4 4 100%
Officer
Member – Chief Risk
Officer
Hendri Setiawan Anggota – Chief Business 4 3 75%
Officer
Member – Chief Business
Officer
Jung Woo Seo Anggota – Head of 4 4 100%
Treasury
Member – Head of
Treasury
Lee Yong Anggota – Head of Credit 2 2 100%
Taek6) / Mitchell Review / Credit Review 2
Suryatenggara Member – Head of Credit
Review / Credit Review 2
Kim Youngkwon7) 2 2 100%
/ Mitchell
Suryatenggara
Vonny Irawan8) Anggota – Head of 4 2 50%
Transaction Banking
Member – Head of
Transaction Banking
Adithia Isdiyanto Seti Anggota – Head of Sales & 4 4 100%
Autama Distribution
Member – Head of Sales &
Distribution
Juli Maria9) Anggota – Head of SME 4 2 50%
Member – Head of SME
Marco Wirjadi10) - - -
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Posisi di Komite dan Persentase
Jumlah Rapat Kehadiran
Nama Bank Hana Kehadiran (%)
Number of Number of
Name Position in Committee Percentage of
Meetings Meetings
and Hana Bank Attendance (%)
Jimmy Wijaya Anggota – Head of 4 3 75%
Corporate Banking
Member – Head of
Corporate Banking
Faisal Aswin Anggota – Head of - - -*
Tambayong11) Commercial Banking
Member – Head of
Rahman Fianto12) Commercial Banking 4 4 100%
Eun Sung Lee Anggota – Head of Private 4 2 50%
Banking
Member – Head of Private
Banking
In Joon Lee13)/Dong Anggota – Head of Global 4 0 0%*
Lak Kim/Chang Marketing 1/3/4
Hee Han Member – Head of Global
Marketing 1/3/4
Sungwun Jung 14) 4 0 0%*
/Dong Lak Kim/
Han Chang Hee
Emmanuela Anggota – Head of Loan 4 4 100%
Chrisanti Asterina Product
Member – Head of Loan
Product
Hilda Limyanton15) Anggota – Head of 2 2 100%
Funding Product & Digital
Tanuwijaya Diana 16) Marketing 1 1 100%
Member – Head of
Funding Product & Digital
Marketing
Rahmat Hendratama Anggota/Sekretaris 4 4 100%
– Head of Financial
Planning
Member/Secretary – Head
of Financial Planning
Keterangan | Info:
1) Efektif mengundurkan diri sebagai Direktur Keuangan tanggal 5 Mei 2023.
2) Efektif menjabat sebagai Direktur Keuangan tanggal 5 Mei 2023.
3) Efektif mengundurkan diri sebagai Direktur Bisnis setelah penutupan RUPST tanggal 9 Juni 2023.
4) Efektif menjabat sebagai Direktur Bisnis tanggal 15 Agustus 2023.
5) Efektif mengundurkan diri sebagai Direktur Perbankan Konsumer tanggal 1 Januari 2024.
6) Masa jabatan sebagai Head of Credit Review berakhir tanggal 15 Mei 2023.
7) Efektif menjabat sebagai Head of Credit Review tanggal 24 Mei 2023.
8) Masa jabatan sebagai Head of Transaction Banking berakhir tanggal 1 Januari 2024.
9) Efektif menjabat sebagai Head of Transaction Banking tanggal 22 Januari 2024.
10) Masa jabatan sebagai Head of SME berakhir tanggal 1 Desember 2023.
11) Efektif menjabat sebagai Head of SME tanggal 1 Desember 2023.
12) Efektif mengundurkan diri sebagai Head of Commercial Banking tanggal 1 Februari 2023.
13) Efektif menjabat sebagai Head of Commercial Banking tanggal 1 Februari 2023.
14) Efektif mengundurkan diri sebagai Head of Global Marketing 1 tanggal 26 Januari 2023.
15) Efektif menjabat sebagai Head of Global Marketing 1 tanggal 6 April 2023.
16) Efektif mengundurkan diri sebagai Head of Funding Product & Digital Marketing tanggal 18 Juli 2023.
*) Ketidakhadiran disebabkan ada penugasan manajemen pada waktu yang bersamaan.
1) Effectively resigned as Finance Director on May 5, 2023.
2) Effectively serving as Finance Director on May 5, 2023.
3) Effectively resigned as Business Director after the closing of the AGMS on June 9, 2023.
4) Effectively serving as Business Director on August 15 2023.
5) Effectively resigned as Director of Consumer Banking on January 1, 2024.
6) The term of office as Head of Credit Review expires on May 15, 2023.
7) Effectively serving as Head of Credit Review on May 24, 2023.
8) The term of office as Head of Transaction Banking expires on January 1, 2024.
9) Effectively serving as Head of Transaction Banking on January 22, 2024.
10) The term of office as Head of SME expires December 1, 2023.
11) Effectively serving as Head of SME on December 1, 2023.
12) Effectively resigned as Head of Commercial Banking on February 1, 2023.
13) Effectively serving as Head of Commercial Banking on February 1, 2023.
14) Effectively resigned as Head of Global Marketing 1 on January 26, 2023.
15) Effectively serving as Head of Global Marketing 1 on April 6, 2023.
16) Effectively resigned as Head of Funding Product & Digital Marketing on July 18, 2023.
*) Absence due to being on a management assignment at the time.
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Pengembangan Kompetensi ALCO ALCO Competency Development
Informasi mengenai pengembangan kompetensi Information regarding competency development
yang diikuti oleh anggota Komite ALCO diuraikan participated in by ALCO Committee members is
sebagai berikut: described as follows:
Pelaksanaan Tugas dan Tanggung Jawab Implementation of ALCO Duties and
ALCO Responsibilities
Sepanjang tahun 2023, beberapa tugas dan Throughout 2023, several tasks and responsibilities
tanggung jawab yang telah dilaksanakan ALCO, that ALCO has carried out include:
antara lain:
1. Menetapkan suku bunga deposito, tabungan, 1. Determine interest rates for deposits, savings,
dan giro; and current accounts;
2. Menetapkan suku bunga pinjaman/FTP; 2. Determine the loan/FTP interest rate;
3. Menetapkan strategi pendanaan dan investasi; 3. Determine funding and investment strategies;
dan and
4. Menetapkan limit yang berkaitan dengan risiko 4. Establish limits relating to liquidity risk, interest
likuiditas, risiko suku bunga, dan risiko nilai rate risk, and exchange rate risk in accordance
tukar sesuai dengan kebijakan pengambilan with the overall risk-taking policy.
risiko secara keseluruhan.
KOMITE MANAJEMEN RISIKO RISK MANAGEMENT COMMITTEE
Komite Manajemen Risiko dibentuk untuk The Risk Management Committee was formed
memastikan bahwa kerangka manajemen risiko to ensure that the risk management framework
telah memberikan perlindungan yang memadai provides adequate protection for all Hana Bank
terhadap seluruh risiko Bank Hana. risks.
Tugas dan Tanggung Jawab Komite Duties and Responsibilities of the Risk
Manajemen Risiko Management Committee
Komite Manajemen Risiko memiliki tugas dan The Risk Management Committee has duties and
tanggung jawab dalam hal memberi rekomendasi responsibilities in providing recommendations to
kepada Direksi, antara lain terkait: the Board of Directors, including:
1. Arah dan sasaran Bank Hana dalam penyusunan 1. Hana Bank’s direction and targets in preparing
kebijakan, strategi, dan pedoman penerapan policies, strategies, and guidelines for
manajemen risiko serta perubahannya bila implementing risk management and making
diperlukan; changes if necessary;
2. Penilaian terhadap efektivitas implementasi 2. Assessment of the effectiveness of the
kerangka manajemen risiko; implementation of the risk management
framework;
3. Perkembangan dan kecenderungan eksposur 3. Development and trends in Hana Bank’s total
risiko total dari Bank Hana dan mengusulkan risk exposure and proposed acceptable levels of
tingkat toleransi risiko keseluruhan yang dapat overall risk tolerance (risk appetite);
diterima (risk appetite);
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4. Hasil kajian mengenai eksposur risiko total yang 4. Results of the study regarding the total risk
dihadapi Bank Hana beserta dampaknya; exposure faced by Hana Bank and its impacts;
5. Penilaian kecukupan modal Bank Hana dalam 5. Assessment of Hana Bank’s capital adequacy
menghadapi risiko kerugian yang timbul in facing the risk of losses arising using various
dengan menggunakan berbagai skenario stress stress testing scenarios;
testing;
6. Usulan pengembangan metode pengukuran 6. Proposed development of risk measurement
risiko, contingency plan dalam kondisi tidak methods, contingency plans in abnormal
normal (worst case scenario), serta metode conditions (worst case scenario), as well as
lainnya yang berkaitan dengan manajemen other methods related to Hana Bank’s risk
risiko Bank Hana; management;
7. Hal-hal yang memerlukan penetapan 7. Matters that require justification related to
(justification) terkait dengan keputusan- business decisions that deviate from normal
keputusan bisnis yang menyimpang dari procedures (irregularities); and
prosedur normal (irregularities); serta
8. Limit wewenang, eksposur, dan konsentrasi 8. Limits on authority, exposure, and credit portfolio
portofolio kredit maupun parameter lainnya concentration, as well as other parameters
yang bertujuan untuk membatasi risiko. aimed at limiting risk.
Komposisi Komite Manajemen Risiko Composition of the Risk Management
Committee
Pada akhir 2023, keanggotaan Komite Manajemen At the end of 2023, the membership of the Risk
Risiko di Bank Hana terdiri dari 1 (satu) orang Direktur Management Committee at Hana Bank consisted
sebagai Ketua Komite serta beranggotakan 4 of 1 (one) Director as Chairman of the Committee,
(empat) orang Direktur, 2 (dua) Pejabat Eksekutif, 4 (four) Directors, 2 (two) Executive Officers and 1
dan 1 Kepala Departemen. Head of Department as members.
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Struktur Keanggotaan Komite Manajemen Risiko
Risk Management Committee Membership Structure
Periode dan Masa Jabatan
Posisi di dalam Komite Period and Term of Office
Dasar Hukum
dan Bank Hana
Nama Penunjukan Akhir Masa
Position in the
Name Legal Basis for Tanggal Efektif Jabatan
Committee and Hana
Appointment Effective Date End of Term of
Bank
Office
Hang Keun Cho1) Ketua – Direktur SK Direksi No. 10 Oktober 27 Desember
Keuangan 34/116A/DIR/SK 2022 2023
Seong Hyeok Mun2) Chairman - Finance tanggal 10 Oktober
Director 2022
Bayu Wisnu Wardhana Anggota – Direktur Board of Directors’
Kepatuhan & Legal Decision Letter No.
Member - Compliance & 34/116A/DIR/SK dated
Legal Director 10 October 2022
SK Direksi
Junita Wangsadinata3) Anggota – Direktur No. 35/109/DIR/SK
Bisnis tanggal 28 Desember
Geoffry Nugraha4) Member - Business 2023 28 Desember Sampai
Director 2023 dicabutnya SK
Ratna Ningsih Anggota – Direktur Board of Directors’ Direksi
Kredit Decision Letter No. No. 35/109/DIR/
Member - Credit 35/109/DIR/SK dated SK
Director 28 December 2023 tanggal 28
Desember
Anton Hermawan5) Anggota – Direktur 2023
Perbankan Konsumer Until the
Member - Director of revocation
Consumer Banking of the Board
of Directors
Novalita Imanuddin Anggota – Chief Risk Decree No.
Officer 35/109/DIR/
Member - Chief Risk SK dated
Officer December 28,
Mifta Chul Chaq Mahfoed Anggota – Head of 2023
Internal Audit
Member - Head of
Internal Audit
Kehadiran sesuai topik Semua Pejabat
yang dibahas Eksekutif (Kepala Divisi/
Satuan Kerja/ Grup)
All Executive Officers
(Head of Division/
Working Unit/Group)
Aldo Krisvian Heda Anggota/Sekretaris –
Credit Risk Head
Member/Secretary -
Credit Risk Head
Keterangan | Note:
1) Efektif mengundurkan diri sebagai Direktur Keuangan tanggal 5 Mei 2023.
2) Efektif menjabat sebagai Direktur Keuangan tanggal 5 Mei 2023.
3) Efektif mengundurkan diri sebagai Direktur Bisnis setelah penutupan RUPST tanggal 9 Juni 2023.
4) Efektif menjabat sebagai Direktur Bisnis tanggal 15 Agustus 2023.
5) Efektif mengundurkan diri sebagai Direktur Perbankan Konsumer tanggal 1 Januari 2024.
1) Effectively resigned as Finance Director on May 5, 2023.
2) Effectively serving as Finance Director on May 5, 2023.
3) Effectively resigned as Business Director after the closing of the AGMS on June 9, 2023.
4) Effectively serving as Business Director on August 15, 2023.
5) Effectively resigned as Director of Consumer Banking on January 1, 2024.
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Profil Singkat Anggota Komite Manajemen Risiko
Brief Profile of Risk Management Committee Members
Usia Dasar Pengalaman Rangkap
Warga
Nama (Tahun) Pengangkatan Pendidikan Kerja Jabatan
Negara
Name Age Basis of Education Work Concurrent
Nationality
(year old) Appointment Experience Position
Mun Seong Hyeok Profil telah disajikan SK Direksi Profil telah disajikan pada “Profil Direksi”
pada “Profil Direksi” No. 35/109/DIR/ The profile has been presented in "Board of
Bayu Wisnu The profile has been SK Director's Profile"
Wardhana presented in "Board of tanggal 28
Geoffry Nugraha Director's Profile" Desember 2023
Board of
Ratna Ningsih Directors
Decree
Novalita Profil telah disajikan No. 35/109/DIR/ Profil telah disajikan pada "Lampiran"
Imanuddin pada "Lampiran" SK Profiles have been presented in “Appendix”.
Profiles have December 28,
Mifta Chul Chaq been presented in
Mahfoed 2023
“Appendix”.
Aldo Krisvian Heda
Independensi Komite Manajemen Risiko Independence of the Risk Management
Committee
Dalam melaksanakan tugas dan tanggung In carrying out its duties and responsibilities,
jawabnya, Komite Manajemen Risiko the Risk Management Committee prioritizes the
mengedepankan prinsip independensi dan kehati- principles of independence and prudence. The
hatian. Bank senantiasa menjamin bahwa anggota Bank always guarantees that the members of the
Komite Manajemen Risiko yang saat ini menjabat Risk Management Committee who currently serve
bebas dari segala intervensi, baik dari Dewan are free from any intervention, whether from the
Komisaris, Direksi, ataupun Pemegang Saham. Board of Commissioners, Board of Directors or
Shareholders.
Selain itu, Komite Manajemen Risiko juga bebas In addition, the Risk Management Committee is
dari segala benturan kepentingan dan pengaruh also free from any conflict of interest, influence, or
atau tekanan dari pihak mana pun yang tidak pressure from any party that is not in accordance
sesuai dengan peraturan perundang-undangan with applicable laws and regulations, ethical
yang berlaku; nilai-nilai etika, prinsip, dan praktik values, principles, and practices for conducting
penyelenggaraan usaha perbankan yang sehat; sound banking business, as well as Bank policies
serta kebijakan Bank yang mungkin terjadi selama that may occur during the implementation of the
pelaksanaan tugas dan tanggung jawab komite. committee’s duties and responsibilities.
Rapat Komite Manajemen Risiko Risk Management Committee Meeting
Kebijakan Rapat Meeting Policy
Beberapa kebijakan rapat Komite Manajemen Some of the Risk Management Committee meeting
Risiko sebagai berikut: policies are as follows:
1. Rapat Komite Manajemen Risiko dilaksanakan 1. Risk Management Committee meetings are
sedikitnya 4 (empat) kali dalam 1 (satu) tahun. held at least 4 (four) times in 1 (one) year.
2. Rapat dilakukan apabila dihadiri dan/atau 2. Meetings are conducted if attended and/
diwakili lebih dari 50% (lima puluh per or represented by more than 50% (fifty per
seratus) dari seluruh jumlah anggota komite hundred) of the total number of committee
yang memiliki hak suara dengan ketentuan members with voting rights, provided that one
salah satunya adalah ketua komite dan/atau of them is the committee chairman and/or the
pengganti ketua komite. committee chairman’s alternate.
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3. Keputusan Rapat Komite Manajemen Risiko 3. Decisions of the Risk Management Committee
harus diambil berdasarkan musyawarah untuk Meeting must be made based on deliberation
mufakat: to reach a consensus:
· Apabila tidak tercapai maka keputusan - If it is not reached, the decision is made if
diambil apabila disetujui lebih dari ½ (satu approved by more than ½ (one-half or half)
per dua atau setengah) dari jumlah suara of the total number of votes cast in the
yang dikeluarkan dalam rapat. meeting.
· Apabila keputusan seri (posisi Ya dan Tidak - If the decision is tied (Yes and No positions
sama) atau terdapat perselisihan pendapat, are equal) or there is a disagreement, then
maka hak Veto diberikan kepada Ketua the Veto right is given to the Chairman of
Rapat Fraud Investigation Committee (Hak the Fraud Investigation Committee Meeting
Veto). (Veto Right).
4. Risalah rapat rutin ditandatangani oleh 4. Minutes of regular meetings are signed by the
Ketua dan Sekretaris Komite, yang memuat Chairman and Secretary of the Committee,
rekomendasi dan/atau pengakuan Komite atas containing the Committee’s recommendation
agenda yang disampaikan. and/or acknowledgment of the agenda
presented.
5. Isi risalah rapat memuat klasifikasi laporan 5. The contents of the minutes of meetings
sebagai berikut: contain the following classification of reports:
· Laporan Profil Risiko – triwulanan; - Risk Profile Report - quarterly;
· Risk Based Bank Rating (RBBR) – semesteran; - Risk Based Bank Rating (RBBR) - semesterly;
· Proses Pengukuran Kecukupan Modal - Internal Capital Adequacy Measurement
Internal (ICAAP) – semesteran; Process (ICAAP) - semesterly;
· Laporan Risk Group Bulanan; dan - Monthly Risk Group Report; and
· Hal-hal lain yang didelegasikan oleh Direksi - Other matters delegated by the Board of
dan hal-hal yang memerlukan penyelesaian Directors and matters requiring resolution
oleh KMR sesuai dengan peraturan by KMR in accordance with applicable laws
perundang-undangan yang berlaku. and regulations.
Frekuensi Rapat Komite Manajemen Risiko Frequency of Risk Management Committee
Meetings
Sepanjang tahun 2023, Komite Manajemen Risiko Throughout 2023, the Risk Management
telah mengadakan rapat sebanyak 4 (empat) kali. Committee has held 4 (four) meetings.
Posisi di dalam Komite Persentase
Jumlah Rapat Kehadiran
Nama dan Bank Hana Kehadiran (%)
Number of Number of
Name Position in Committee Percentage of
Meetings Meetings
and Hana Bank Attendance (%)
Hang Keun Cho1) Anggota – Direktur
Keuangan 2 2 100%
Member - Finance
Seong Hyeok Mun2) Director 2 2 100%
Bayu Wisnu Anggota – Direktur
Wardhana Kepatuhan & Legal
4 2 50%
Member - Compliance &
Legal Director
Junita Anggota – Direktur Bisnis
2 2 100%
Wangsadinata3) Member - Business
Director
Geoffry Nugraha4) 2 2 100%
Ratna Ningsih Anggota – Direktur Kredit
4 3 75%
Member - Credit Director
Anton Hermawan5) Anggota – Direktur
Perbankan Konsumer
4 4 100%
Member - Director of
Consumer Banking
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Posisi di dalam Komite Persentase
Jumlah Rapat Kehadiran
Nama dan Bank Hana Kehadiran (%)
Number of Number of
Name Position in Committee Percentage of
Meetings Meetings
and Hana Bank Attendance (%)
Novalita Imanuddin Anggota – Chief Risk
Officer
4 4 100%
Member - Chief Risk
Officer
Mifta Chul Chaq Anggota – Head of
Mahfoed Internal Audit
4 2 50%
Member - Head of
Internal Audit
Kehadiran sesuai Semua Pejabat Eksekutif
topik yang dibahas (Kepala Divisi/Satuan
Kerja/ Grup)
4 4 100%
All Executive Officers
(Head of Division/Working
Unit/Group)
Aldo Krisvian Heda Anggota/Sekretaris –
Credit Risk Head
4 4 100%
Member/Secretary -
Credit Risk Head
Keterangan | Description:
1) Efektif mengundurkan diri sebagai Direktur Keuangan tanggal 5 Mei 2023.
2) Efektif menjabat sebagai Direktur Keuangan tanggal 5 Mei 2023.
3) Efektif mengundurkan diri sebagai Direktur Bisnis setelah penutupan RUPST tanggal 9 Juni 2023.
4) Efektif menjabat sebagai Direktur Bisnis tanggal 15 Agustus 2023.
5) Efektif mengundurkan diri sebagai Direktur Perbankan Konsumer tanggal 1 Januari 2024.
1) Effective resignation as Finance Director on May 5, 2023.
2) Effective as Director of Finance on May 5, 2023.
3) Effective resignation as Business Director after the closing of the AGMS on June 9, 2023.
4) Effective as Business Director on August 15, 2023.
5) Effective resignation as Director of Consumer Banking on January 1, 2024
Pengembangan Kompetensi Komite Risk Management Committee Competency
Manajemen Risiko Development
Informasi mengenai pengembangan kompetensi Information on competency development attended
yang diikuti oleh anggota Komite Manajemen by members of the Risk Management Committee
Risiko disajikan pada bagian “Profil Anggota is presented in the “Profile of Board of Directors
Komite Direksi” pada pada bab “Profil Perusahaan” Committee Members” section in the “Company
dalam Laporan Tahunan ini. Profile” chapter of this Annual Report.
Pelaksanaan Tugas dan Tanggung Jawab Implementation of the Duties and
Komite Manajemen Risiko Responsibilities of the Risk Management
Committee
Sepanjang tahun 2023, beberapa tugas dan Throughout 2023, several tasks and responsibilities
tanggung jawab yang telah dilaksanakan Komite that have been carried out by the Risk Management
Manajemen Risiko, antara lain: Committee include:
1. Penyusunan kebijakan Manajemen Risiko serta 1. Preparation of Risk Management policies and
perubahannya, termasuk strategi manajemen changes thereto, including the Bank’s risk
risiko, risk appetite dan risk tolerance Bank, management strategy, risk appetite and risk
kerangka Manajemen Risiko dan juga rencana tolerance, Risk Management framework and
kontinjensi untuk mengantisipasi terjadinya contingency plans to anticipate the occurrence
kondisi tidak normal; of abnormal conditions;
2. Penyempurnaan proses Manajemen Risiko 2. Improvement of the Risk Management
secara berkala maupun yang bersifat process periodically or incidentally, which is
insidentil, yang disebabkan oleh perubahan caused by changes in the Bank’s external and/
kondisi eksternal dan/atau internal Bank yang or internal conditions that affect the Bank’s
berpengaruh kepada permodalan, profil capital, Risk profile, and the ineffectiveness of
Risiko Bank, dan ketidakefektifan penerapan implementing risk management based on the
manajemen risiko berdasarkan hasil evaluasi results of evaluating the implementation of Risk
pelaksanaan Manajemen Risiko; dan Management; and
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3. Penetapan kebijakan dan/atau keputusan 3. Determination of policies and/or business
bisnis yang menyimpang dari prosedur normal decisions that deviate from the Bank’s normal
Bank. procedures.
KOMITE KREDIT CREDIT COMMITTEE
Komite Kredit dibentuk untuk membantu Direksi The Credit Committee was formed to assist the
dalam mengevaluasi dan/atau memberikan Board of Directors in evaluating and/or providing
keputusan kredit sesuai batas wewenang credit decisions in accordance with the authority
yang ditetapkan Direksi, sebagaimana diatur limits determined by the Board of Directors, as
dalam Anggaran Dasar Bank Hana dengan regulated in Hana Bank’s Articles of Association,
memperhatikan pengembangan bisnis tanpa taking into account business development without
meninggalkan prinsip kehati-hatian. abandoning the principle of prudence.
Tugas dan Tanggung Jawab Komite Kredit Duties and Responsibilities of the Credit
Committee
1. Memberikan persetujuan atau penolakan 1. Provide approval or rejection of loan applications
permohonan kredit sesuai dengan batas in accordance with the authority limits/type of
wewenang/jenis kredit yang ditetapkan oleh loan determined by the Board of Directors;
Direksi;
2. Memastikan bahwa setiap persetujuan kredit 2. Ensure that every loan approval given meets
yang diberikan telah memenuhi ketentuan Bank Indonesia regulations, is in accordance
Bank Indonesia, sesuai asas-asas perkreditan with sound credit principles, is based on honest,
yang sehat, dan didasarkan pada pemikiran objective, careful, and thorough thinking, and is
yang jujur, obyektif, cermat, dan seksama, independent of the influence of parties with an
serta terlepas dari pengaruh pihak-pihak yang interest in the loan application;
berkepentingan dengan permohonan kredit;
3. Melakukan koordinasi dengan Asset and 3. Coordinate with the Asset and Liabilities
Liabilities Committee (ALCO) dalam aspek Committee (ALCO) in aspects of loan funding;
pendanaan perkreditan; serta and
4. Mengembangkan sistem, cara analisis, serta 4. Develop systems, analysis methods, and
penggalian informasi efektif agar mutu dan effective information mining so that the quality
bobot judgement kredit makin baik. and weight of loan judgments improve.
Setiap persetujuan kredit dilakukan secara Every loan approval is carried out centrally at the
sentralisasi di kantor pusat oleh Komite Kredit head office by the Credit Committee and applies
berlaku untuk pemberian kredit tunai maupun to both cash and non-cash loans. There are several
tidak tunai. Terdapat beberapa jenjang atau levels or limits of authority at the head office, which
limit wewenang di kantor pusat yang ditetapkan are determined based on the decisions of the Board
berdasarkan keputusan Direksi dan Bank Indonesia. of Directors and Bank Indonesia. Authority limits
Limit wewenang disesuaikan dengan tingkat are adjusted to the level of risk exposure. So far, the
eksposur risiko. Sepanjang ini Persetujuan Kredit Loan Approval, which must be decided through the
yang harus diputuskan melalui Komite Kredit telah Credit Committee, has been in accordance with the
sesuai dengan kebijakan yang berlaku di Bank. policies in force at the Bank.
Komposisi Komite Kredit Credit Committee Composition
Pada akhir 2023, keanggotaan Komite Kredit di At the end of 2023, the membership of the Credit
Bank Hana terdiri dari 1 (satu) orang Direktur Committee at Hana Bank consisted of 1 (one)
sebagai Ketua Komite serta beranggotakan 3 (tiga) Director as Chairman of the Committee, 3 (three)
orang Direktur, 7 (tujuh) Pejabat Eksekutif dan 2 Directors, 7 (seven) Executive Officers, and 2 Heads
Kepala Departemen. of Departments as members.
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Struktur Keanggotaan Komite Kredit
Credit Committee Membership Structure
Periode dan Masa Jabatan
Posisi di dalam Komite dan Dasar Hukum Period and Term of Office
Nama Bank Hana Penunjukan Akhir Masa
Name Position within the Legal Basis of Tanggal Jabatan
Committee and Hana Bank Appointment Efektif Termination
Date
Ratna Ningsih Ketua – Direktur Kredit | SK Direksi No. 34/116A/ 10 Oktober 27 Desember
Chairman – Credit Director DIR/SK tanggal 10 2022 2023
Oktober 2022
Hang Keun Cho1) Anggota – Direktur Keuangan
Mun Seong Hyeok 2) | Member – Finance Director Board of Directors’
Decision Letter No.
Junita Wangsadinata3) Anggota – Direktur Bisnis | 34/116A/DIR/SK dated 10
Member – Business Director October2022
Geoffry Nugraha 4)
Sampai
Anton Hermawan5) Anggota – Direktur Perbankan SK Direksi dicabutnya SK
Konsumer | Member – No. 35/109/DIR/SK Direksi
Consumer Banking Director tanggal 28 Desember No. 35/109/DIR/
2023 28 Desember SK tanggal 28
Hendri Setiawan Anggota – Chief Business 2023 Desember
Officer | Member - Chief Board of Directors’ 2023
Business Officer Decision Letter No.
35/109/DIR/SK dated 28 Until the
Yong Taek Lee6) Anggota – Head of Credit
December 2023 revocation
Review 1 | Member - Head of
Kim Youngkwon7) of Directors’
Credit Review 1
Decree No.
Faisal Aswin Tambayong8) Anggota – Head of 35/109/DIR/
Commercial Banking SK dated 28
Rahman Fianto 9)
| Member - Head of December 2023
Commercial Banking
Jimmy Wijaya Anggota – Head of Corporate
Banking | Member - Head of
Corporate Banking
In Joon Lee10)/ Dong Lak
Kim/Chang Hee Han Anggota – Head of Global
Marketing | Member - Head of
Sungwun Jung11) /Dong Global Marketing
Lak Kim/Chang Hee Han
Juli Maria12) Anggota – Head of SME |
Marco Wirjadi13) Member - Head of SME
Erwin Rahardja Sutanta Anggota – Head of SME Credit
Review | Member - Head of
SME Credit Review
Fransiska Oktavia Anggota – Head of SMEC
Credit Review | Member -
Head of SMEC Credit Review
Mitchell Suryatenggara Anggota/Sekretaris – Head of
Credit Review 2 | Member -
Head of Credit Review 2
Keterangan | Note:
1) Efektif mengundurkan diri sebagai Direktur Keuangan tanggal 5 Mei 2023. 1) Effectively resigned as Finance Director on May 5, 2023.
2) Efektif menjabat sebagai Direktur Keuangan tanggal 5 Mei 2023. 2) Effectively serving as Finance Director on May 5, 2023.
3) Efektif mengundurkan diri sebagai Direktur Bisnis setelah penutupan 3) Effectively resigned as Business Director after the closing of the AGMS on June
RUPST tanggal 9 Juni 2023. 9, 2023.
4) Efektif menjabat sebagai Direktur Bisnis tanggal 15 Agustus 2023. 4) Effectively serving as Business Director on August 15, 2023.
5) Efektif mengundurkan diri sebagai Direktur Perbankan Konsumer 5) Effectively resigned as Director of Consumer Banking on January 1, 2024.
tanggal 1 Januari 2024. 6) The term of office as Head of Credit Review expires on May 15, 2023.
6) Masa jabatan sebagai Head of Credit Review berakhir tanggal 15 Mei 2023. 7) Effectively serving as Head of Credit Review on May 24, 2023.
7) Efektif menjabat sebagai Head of Credit Review tanggal 24 Mei 2023. 8) Effectively resigned as Head of Commercial Banking on February 1, 2023.
8) Efektif mengundurkan diri sebagai Head of Commercial Banking tanggal 9) Effectively serving as Head of Commercial Banking on February 1, 2023.
1 Februari 2023. 10) Effectively resigned as Head of Global Marketing 1 on January 25, 2023.
9) Efektif menjabat sebagai Head of Commercial Banking tanggal 1 Februari 11) Effectively serving as Head of Global Marketing 1 on April 6, 2023.
2023. 12) The term of office as Head of SME expires on December 1, 2023.
10) Efektif mengundurkan diri sebagai Head of Global Marketing 1 tanggal 25 13) Effectively serving as Head of SME on December 1, 2023
Januari 2023.
11) Efektif menjabat sebagai Head of Global Marketing 1 tanggal 6 April 2023.
12) Masa jabatan sebagai Head of SME berakhir tanggal 1 Desember 2023.
13) Efektif menjabat sebagai Head of SME tanggal 1 Desember 2023
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Profil Singkat Anggota Komite Kredit
Brief Profile of Credit Committee Members
Usia Dasar Pengalaman Rangkap
Warga
Nama (Tahun) Pengangkatan Pendidikan Kerja Jabatan
Negara
Name Age Basis of Education Work Concurrent
Nationality
(year old) Appointment Experience Position
Ratna Ningsih Profil telah disajikan SK Direksi Profil telah disajikan pada “Profil Direksi”
pada “Profil Direksi” No. 35/109/DIR/ The profile has been presented in "Board of
Hang Keun Cho The profile has been SK tanggal Director's Profile"
Geoffry Nugraha presented in "Board of 28 Desember
Director's Profile" 2023
Board of
Hendri Setiawan Profil telah disajikan Directors Profil telah disajikan pada “Lampiran"
pada “Lampiran" Decree Profiles have been presented in “Appendix”.
Faisal Aswin Profiles have
Tambayong No. 35/109/
been presented in DIR/SK dated
Rahman Fianto “Appendix”. December 28,
2023
Jimmy Wijaya
Sungwun Jung
Dong Lak Kim
Chang Hee Han
Marco Wirjadi
Erwin Rahardja
Sutanta
Fransiska Oktavia
Mitchell
Suryatenggara
Independensi Komite Kredit Independence of the Credit Committee
Dalam melaksanakan tugas dan tanggung In carrying out its duties and responsibilities, the
jawabnya, Komite Kredit mengedepankan prinsip Credit Committee prioritizes the principles of
independensi dan kehati-hatian. Bank senantiasa independence and prudence. The Bank always
menjamin bahwa anggota Komite Kredit yang guarantees that the Credit Committee members
saat ini menjabat bebas dari segala intervensi, baik who currently serve are free from any intervention,
dari Dewan Komisaris, Direksi, ataupun Pemegang whether from the Board of Commissioners, Board
Saham. of Directors or Shareholders.
Selain itu, Komite Kredit juga bebas dari segala In addition, the Credit Committee is also free from
benturan kepentingan dan pengaruh atau any conflict of interest, influence, or pressure from
tekanan dari pihak mana pun yang tidak sesuai any party that is not in accordance with applicable
dengan peraturan perundang-undangan yang laws and regulations, ethical values, principles, and
berlaku; nilai-nilai etika, prinsip, dan praktik practices for conducting sound banking business,
penyelenggaraan usaha perbankan yang sehat; as well as Bank policies that may occur during the
serta kebijakan Bank yang mungkin terjadi selama implementation of the committee’s duties and
pelaksanaan tugas dan tanggung jawab komite. responsibilities.
Rapat Komite Kredit Credit Committee Meeting
Kebijakan Rapat Meeting Policy
Sepanjang tahun 2023, rapat Komite Kredit Throughout 2023, Credit Committee meetings were
diadakan secara berkala, yaitu satu kali setiap satu held periodically, namely once every one week.
minggu.
Frekuensi Rapat Komite Kredit Frequency of Credit Committee Meetings
Sepanjang tahun 2023, Komite Kredit telah Throughout 2023, the Credit Committee has held
mengadakan rapat sebanyak 99 kali. 99 meetings.
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Pengembangan Kompetensi Komite Kredit Credit Committee Competency Development
Informasi mengenai pengembangan kompetensi Information on competency development attended
yang diikuti oleh anggota Komite Kredit disajikan by members of the Credit Committee is presented
pada bagian “Profil Direksi”, “Profil Anggota in the “Profile of the Board of Directors”, “Profile
Komite Direksi Pejabat Eksekutif Bank, Anggota of Committee Members of the Board of Directors,
Komite Direksi, Pejabat Eksekutif Bank”, dan “Profil Bank Executive Officers, Committee Members of
Anggota Komite Direksi” pada pada bab “Profil the Board of Directors, Bank Executive Officers”,
Perusahaan” dalam Laporan Tahunan ini. and “Profile of Committee Members of the Board
of Directors” sections in the “Company Profile”
chapter of this Annual Report.
Pelaksanaan Tugas dan Tanggung Jawab Implementation of Duties and Responsibilities
Komite Kredit of the Credit Committee
Sepanjang tahun 2023, beberapa tugas dan Throughout 2023, several tasks and responsibilities
tanggung jawab yang telah dilaksanakan Komite that have been carried out by the Credit Committee
Kredit antara lain: include:
1. Memberikan keputusan atau rekomendasi atas 1. Provide decisions or recommendations
pemberian kredit (baru, tambahan, penurunan regarding the granting of loans (new, additional,
dan/atau perpanjangan, restrukturisasi kredit reduction, and/or extension, general loan
umum, dan reskrukturisasi COVID-19) sesuai restructuring, and COVID-19 restructuring) in
dengan batas wewenang/jenis kredit yang accordance with the authority limits/types of
ditetapkan oleh Direksi; loans determined by the Board of Directors;
2. Memastikan bahwa setiap persetujuan kredit 2. Ensure that every loan approval given meets
yang diberikan telah memenuhi ketentuan regulatory requirements, is in accordance
regulator, sesuai asas-asas perkreditan yang with sound loan principles, is based on honest,
sehat, dan didasarkan pada pemikiran yang objective, careful, and thorough thinking, and is
jujur, obyektif, cermat, dan seksama, serta independent of the influence of parties with an
terlepas dari pengaruh pihak-pihak yang interest in the loan application;
berkepentingan dengan permohonan kredit;
3. Melakukan koordinasi dengan Asset and 3. Coordinate with the Asset and Liabilities
Liabilities Committee (ALCO) dalam aspek Committee (ALCO) in aspects of loan funding;
pendanaan perkreditan; serta and
4. Mengembangkan sistem, cara analisis, dan 4. Develop systems, analysis methods, and
penggalian informasi efektif agar mutu dan effective information mining so that the quality
bobot judgement kredit semakin baik. and weight of loan judgments improve.
KOMITE KEBIJAKAN PERKREDITAN CREDIT POLICY COMMITTEE
Komite Kebijakan Perkreditan dibentuk untuk The Credit Policy Committee was formed to direct
mengarahkan pemberian kredit melalui loan provision through the formulation of loan
perumusan kebijakan perkreditan dalam rangka policies in order to achieve prudent loan targets.
pencapaian target perkreditan yang prudent.
Tugas dan Tanggung Jawab Komite Kebijakan Duties and Responsibilities of the Credit Policy
Perkreditan Committee
Komite Kebijakan Perkreditan memiliki tugas dan The Credit Policy Committee has duties and
tanggung jawab dalam hal: responsibilities in terms of:
1. Memberikan masukan kepada Direksi dalam 1. Provide input to the Board of Directors in the
rangka penyusunan Kebijaksanaan Perkreditan context of preparing the Bank’s Credit Policy
Bank (KPB), terutama yang berkaitan dengan (KPB), especially in relation to the formulation
perumusan prinsip kehati-hatian dalam of prudential principles in loans;
perkreditan;
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2. Mengawasi agar KPB dapat diterapkan dan 2. Supervise to ensure that the KPB can be
dilaksanakan secara konsekuen dan konsisten applied and implemented consequently and
serta merumuskan pemecahan apabila consistently, and formulate solutions if there
terdapat hambatan/kendala dalam penerapan are obstacles/hindrances to implementing the
KPB; KPB;
3. Melakukan kajian berkala terhadap KPB dan 3. Conduct periodic reviews of the KPB and
memberikan saran kepada Direksi apabila provide suggestions to the Board of Directors
diperlukan perubahan/perbaikan KPB; if changes/improvements to the KPB are
necessary;
4. Memantau dan mengevaluasi perkembangan 4. Monitor and evaluate the development and
dan kualitas portofolio perkreditan secara quality of the loan portfolio as a whole, the
keseluruhan, kebenaran pelaksanaan correct implementation of the authority to
kewenangan memutus kredit, kebenaran decide on loans, the correctness of the loan
proses pemberian kredit, perkembangan dan granting process, the development and quality
kualitas kredit yang diberikan kepada pihak of loans given to parties related to Banks and
yang terkait dengan bank dan debitur-debitur certain large debtors, the Legal Lending Limit
besar tertentu, Batas Maksimum Pemberian (BMPK), Allowance for Productive Asset Losses
Kredit (BMPK), Penyisihan Penghapusan Aktiva (PPAP), and settlement of problem loans; and
Produktif (PPAP), dan penyelesaian kredit
bermasalah; serta
5. Memberikan masukan berupa informasi 5. Provide input in the form of information and
dan analisis pada rapat Komite Kebijakan analysis at Loan/Financing Policy Committee
Perkreditan/Pembiayaan (KKP) untuk (KKP) meetings to make KKP decisions
membuat keputusan KKP, mengenai regarding developments related to loan policies
pengembangan terkait kebijakan perkreditan (Corporate Loan, Commercial Loan, SME Loan,
(Kredit Korporasi, Kredit Komersial, Kredit Small Business Loan, Consumer Credit and
SME, Kredit Usaha Kecil, Kredit Konsumer, dan Inter-Bank Loan) in accordance with Hana
Kredit Antar Bank) sesuai dengan misi dan Bank’s mission and business plan, compliance
rencana bisnis Bank Hana, ketaatan terhadap with statutory provisions in granting loan,
ketentuan perundangan dalam pemberian development and quality of the loan portfolio as
kredit, perkembangan dan kualitas portofolio a whole, correctness of the exercise of authority
perkreditan secara keseluruhan, kebenaran to decide on loan, correctness of the granting
pelaksanaan kewenangan memutus kredit, process, development and quality of loan given
kebenaran proses pemberian, perkembangan to related parties and certain large debtors,
dan kualitas kredit yang diberikan kepada pihak correctness implementation of the LLL, the
terkait dan debitur besar tertentu, kebenaran Bank’s compliance with the adequacy of the
pelaksanaan BMPK, pemenuhan Bank atas allowance for loan losses, as well as the results
kecukupan jumlah penyisihan penghapusan of supervision over the implementation and
kredit, serta hasil pengawasan atas penerapan implementation of the Bank’s Basic Loan Policy.
dan pelaksanaan Kebijakan Dasar Perkreditan
Bank.
Komposisi Komite Kebijakan Perkreditan Composition of the Credit Policy Committee
Pada akhir 2023, keanggotaan Komite Kebijakan At the end of 2023, the membership of the Credit
Perkreditan di Bank Hana terdiri dari 1 (satu) Policy Committee at Hana Bank consisted of 1 (one)
orang Direktur sebagai Ketua Komite serta Director as Chairman of the Committee, 3 (three)
beranggotakan 3 (tiga) orang Direktur, 9 (sembilan) Directors, 9 (nine) Executive Officers, one Head of
pejabat eksekutif, satu Kepala Departemen dan Department, and one Specialist as members.
satu Specialist.
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Periode dan Masa Jabatan
Posisi di dalam Komite Period and Term of Office
Dasar Hukum
dan Bank Hana
Nama Penunjukan Akhir Masa
Position in the
Name Legal Basis for Tanggal Efektif Jabatan
Committee and Hana
Appointment Effective Date End of Term of
Bank
Office
Ratna Ningsih Ketua – Direktur Kredit SK Direksi No. 10 Oktober 27 Desember
Chairman – Credit 34/116A/DIR/SK 2022 2023
Director tanggal 10 Oktober 10 October 27 December
2022 2022 2023
Junita Wangsadinata1) Anggota – Direktur Board of Directors’
Bisnis Decision Letter No.
Geoffry Nugraha2) Member – Business 34/116A/DIR/SK dated
Director 10 October2022
Anton Hermawan3) Anggota – Direktur
Perbankan Konsumer SK Direksi 28 Desember Sampai
Member – Consumer No. 35/109/DIR/SK 2023 dicabutnya SK
Banking Director tanggal 28 Desember 28 December Direksi
2023 2023 No. 35/109/DIR/
Bayu Wisnu Wardhana Anggota – Direktur Board of Directors’ SK
Kepatuhan & Legal Decision Letter No. tanggal 28
Member – Compliance & 35/109/DIR/SK dated Desember
Legal Director 28 December 2023 2023
Until the
Novalita Imanuddin Anggota – Chief Risk revocation
Officer of the Board
Member - Chief Risk of Directors
Officer Decree No.
35/109/DIR/
Hendri Setiawan Anggota – Chief SK dated
Business Officer December 28,
Member - Chief 2023
Business Officer
Yong Taek Lee4) Anggota – Head of
Credit Review 1
Member - Head of Credit
Review 1
Kim Youngkwon5)
Mitchell Suryatenggara Anggota – Head of
Credit Review 2
Member - Head of Credit
Review 2
Jimmy Wijaya Anggota – Head of
Corporate Banking
Member - Head of
Corporate Banking
Faisal Aswin Tambayong6) Anggota – Head of
Commercial Banking
Member - Head of
Commercial Banking
Rahman Fianto7)
Marco Wirjadi8) Anggota – Head of
Business Support
Member - – Head of
Business Support
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Periode dan Masa Jabatan
Posisi di dalam Komite Period and Term of Office
Dasar Hukum
dan Bank Hana
Nama Penunjukan Akhir Masa
Position in the
Name Legal Basis for Tanggal Efektif Jabatan
Committee and Hana
Appointment Effective Date End of Term of
Bank
Office
Juli Maria9) Anggota – Head of SME
Member - Head of SME
Marco Wirjadi10)
Mifta Chul Chaq Mahfoed Anggota – Head of
Internal Audit*)
Member - Head of
Internal Audit*)
Tjetjen Saputra Anggota – Head of
Compliance*)
Member - Head of
Compliance*)
Rachmad Setiawan 12) Anggota – Head of
Legal*)
Member - Head of
Legal*)
Fransiska Oktavia Anggota – SMEC Credit
Review Head*)
Member - SMEC Credit
Review Head*)
Erwin Rahardja Sutanta Anggota – SME Credit
Review Head*)
Member - SME Credit
Review Head*)
Sausan Anggota – Credit
Administration Head*)
Member - Credit
Administration Head*)
Welly Januardo Anggota/Sekretaris –
Credit Policies Specialist
Member/Secretary –
Credit Policies Specialist
Keterangan | Note
*) Non Permanent Member
1) Efektif mengundurkan diri sebagai Direktur Bisnis setelah penutupan RUPST tanggal 9 Juni 2023.
2) Efektif menjabat sebagai Direktur Bisnis tanggal 15 Agustus 2023.
3) Efektif mengundurkan diri sebagai Direktur Perbankan Konsumer tanggal 1 Januari 2024.
4) Masa jabatan sebagai Head of Credit Review berakhir tanggal 15 Mei 2023.
5) Efektif menjabat sebagai Head of Credit Review tanggal 24 Mei 2023.
6) Efektif mengundurkan diri sebagai Head of Commercial Banking tanggal 1 Februari 2023.
7) Efektif menjabat sebagai Head of Commercial Banking tanggal 1 Februari 2023.
8) Masa jabatan sebagai Head of Business Support berakhir tanggal 1 Desember 2023.
9) Efektif menjabat sebagai Head of Business Support tanggal 1 Januari 2024.
10) Masa jabatan sebagai Head of SME berakhir tanggal 1 Desember 2023.
11) Efektif menjabat sebagai Head of SME tanggal 1 Desember 2023.
12) Efektif menjabat sebagai Head of Legal tanggal 1 Januari 2023.
*) Non-Permanent Member
1) Effectively resigned as Business Director after the closing of the AGMS on June 9, 2023.
2) Effectively serving as Business Director on August 15, 2023.
3) Effectively resigned as Director of Consumer Banking on January 1, 2024.
4) The term of office as Head of Credit Review expires on May 15, 2023.
5) Effectively serving as Head of Credit Review on May 24, 2023.
6) Effectively resigned as Head of Commercial Banking on February 1, 2023.
7) Effectively serving as Head of Commercial Banking on February 1, 2023.
8) Term of office as Head of Business Support expires December 1, 2023.
9) Effectively serving as Head of Business Support on January 1, 2024.
10) The term of office as Head of SME expires on December 1, 2023.
11) Effectively serving as Head of SME on December 1, 2023.
12) Effectively serving as Head of Legal on January 1, 2023.
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Profil Singkat Anggota Komite Kebijakan Perkreditan
Brief Profile of Credit Policy Committee Members
Usia Dasar Pengalaman Rangkap
Warga
Nama (Tahun) Pengangkatan Pendidikan Kerja Jabatan
Negara
Name Age Basis of Education Work Concurrent
Nationality
(year old) Appointment Experience Position
Ratna Ningsih Profil telah disajikan SK Direksi Profil telah disajikan pada “Profil Direksi”
pada “Profil Direksi” No. 35/109/DIR/ The profile has been presented in "Board of
Geoffry Nugraha The profile has been SK Director's Profile"
Bayu Wisnu presented in "Board of tanggal 28
Wardhana Director's Profile" Desember 2023
Board of
Novalita Profil telah disajikan Directors Profil telah disajikan pada “Lampiran"
Imanuddin pada “Lampiran" Decree Profiles have been presented in “Appendix”.
Profiles have No. 35/109/DIR/
Hendri Setiawan been presented in SK
Kim Youngkwon “Appendix”. December 28,
2023
Mitchell
Suryatenggara
Aldo Krisvian Heda
Adithia Isdiyanto
Seti Autama
Jimmy Wijaya
Rahman Fianto
Daniel Budiarto
Marco Wirjadi
Welly Januardo
Independensi Komite Kebijakan Perkreditan Independence of the Credit Policy Committee
Dalam melaksanakan tugas dan tanggung In carrying out its duties and responsibilities, the
jawabnya, Komite Kebijakan Perkreditan Credit Policy Committee prioritizes the principles
mengedepankan prinsip independensi dan of independence and prudence. The Bank always
kehati-hatian. Bank senantiasa menjamin bahwa guarantees that the members of the Credit Policy
anggota Komite Kebijakan Perkreditan yang saat Committee who currently serve are free from
ini menjabat bebas dari segala intervensi, baik dari any intervention, whether from the Board of
Dewan Komisaris, Direksi, ataupun Pemegang Commissioners, Board of Directors or Shareholders.
Saham.
Selain itu, Komite Kebijakan Perkreditan juga bebas In addition, the Credit Policy Committee is also
dari segala benturan kepentingan dan pengaruh free from any conflict of interest, influence, or
atau tekanan dari pihak mana pun yang tidak pressure from any party that is not in accordance
sesuai dengan peraturan perundang-undangan with applicable laws and regulations; ethical
yang berlaku; nilai-nilai etika, prinsip, dan praktik values, principles, and practices for conducting
penyelenggaraan usaha perbankan yang sehat; sound banking business, as well as Bank policies
serta kebijakan Bank yang mungkin terjadi selama that may occur during the implementation of the
pelaksanaan tugas dan tanggung jawab komite. committee’s duties and responsibilities.
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Rapat Komite Kebijakan Perkreditan Credit Policy Committee Meeting
Kebijakan Rapat Meeting Policy
Beberapa kebijakan rapat Komite Kebijakan Some policies of the Credit Policy Committee
Perkreditan sebagai berikut: meeting are as follows:
1. Rapat Komite Kebijakan Perkreditan 1. The Credit Policy Committee meeting is held as
dilaksanakan sesuai kebutuhan dan sedikitnya needed and at least 2 (two) times per year.
2 (dua) kali dalam satu tahun.
2. Rapat dilakukan apabila dihadiri dan/atau 2. The meeting is conducted if attended and/or
diwakili lebih dari 50% (lima puluh per represented by more than 50% (fifty per cent)
seratus) dari seluruh jumlah anggota komite of the total number of committee members
yang memiliki hak suara dengan ketentuan entitled to vote, with one of the conditions
salah satunya adalah ketua komite dan/atau being the chairperson of the committee and/or
pengganti ketua komite. the deputy chairperson of the committee.
3. Keputusan Rapat Komite Kebijakan Perkreditan 3. Decisions of the Credit Policy Committee
harus diambil berdasarkan musyawarah untuk meeting must be made based on consensus:
mufakat:
• Apabila keputusan berdasarkan musyawarah • If a decision based on consensus is not
untuk mufakat tidak tercapai, keputusan reached, the decision is made if approved by
diambil apabila disetujui lebih dari ½ (satu more than ½ (half) of the total votes cast in
per dua atau setengah) dari jumlah suara the meeting.
yang dikeluarkan dalam rapat.
• Apabila keputusan yang diambil dari jumlah •
If the decision is taken from a tie vote (equal
suara seri (posisi Ya dan Tidak sama) atau positions of Yes and No) or there is a dispute
terdapat perselisihan pendapat, maka of opinions, the video rights are granted to
hak video diberikan kepada Ketua Rapat the Chairperson of the Credit Policy Meeting
Kebijakan Perkreditan (Hak Veto). (Veto Rights).
4. Risalah rapat rutin ditandatangani oleh Ketua 4. The minutes of regular meetings are signed
dan Sekretaris Komite by the Chairperson and Secretary of the
Committee.
Frekuensi Rapat Komite Kebijakan Perkreditan Frequency of Credit Policy Committee
Meetings
Sepanjang tahun 2023, rapat Komite Kebijakan Throughout 2023, Credit Policy Committee
Perkreditan diadakan secara berkala, yaitu 3 (tiga) meetings were held periodically, namely 3 (three)
kali. times.
Posisi di dalam Komite Persentase
Jumlah Rapat Kehadiran
Nama dan Bank Hana Kehadiran (%)
Number of Number of
Name Position in Committee Percentage of
Meetings Meetings
and Hana Bank Attendance (%)
Ratna Ningsih Ketua – Direktur Kredit 3 3 100%
Chairman - Director of
Credit
Junita Anggota – Direktur Bisnis 2 2 100%
Wangsadinata1) Member - Director of
Business
Geoffry Nugraha2) 1 1 100%
Anton Hermawan 3)
Anggota – Direktur 3 1 33%
Perbankan Konsumer
Member - Director of
Consumer Banking
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Posisi di dalam Komite Persentase
Jumlah Rapat Kehadiran
Nama dan Bank Hana Kehadiran (%)
Number of Number of
Name Position in Committee Percentage of
Meetings Meetings
and Hana Bank Attendance (%)
Bayu Wisnu Anggota – Direktur 3 2 67%
Wardhana Kepatuhan & Legal
Member - Director of
Compliance & Legal
Novalita Imanuddin Anggota – Chief Risk 3 3 100%
Officer
Member - Chief Risk
Officer
Hendri Setiawan Anggota – Chief Business 3 1 33%
Officer
Member - Chief Business
Officer
Yong Taek Lee4) Anggota – Head of Credit 2 2 100%
Review
Kim Youngkwon 5)
Member - Head of Credit 1 1 100%
Review
Mitchell Anggota – Head of Credit 3 3 100%
Suryatenggara Review 2
Member - Head of Credit
Review 2
Jimmy Wijaya Anggota – Head of 3 3 100%
Corporate Banking
Member - Head of
Corporate Banking
Faisal Aswin Anggota – Head of 1 0 0%*
Tambayong6) Commercial Banking
Member - Head of
Rahman Fianto7) Commercial Banking 3 2 67%
Marco Wirjadi8) Anggota – Head of 2 1 50%
Business Support
Member - Head of
Business Support
Juli Maria9) Anggota – Head of SME 2 2 100%
Member - Head of SME
Marco Wirjadi10) 1 1 100%
Mifta Chul Chaq Anggota – Head of 3 2 67%
Mahfoed Internal Audit*)
Member - Head of
Internal Audit*
Tjetjen Saputra Anggota – Head of 3 2 67%
Compliance*)
Member - Head of
Compliance*
Rachmad Anggota – Head of Legal*) 3 1 33%
Setiawan11) Member - Head of Legal*
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Posisi di dalam Komite Persentase
Jumlah Rapat Kehadiran
Nama dan Bank Hana Kehadiran (%)
Number of Number of
Name Position in Committee Percentage of
Meetings Meetings
and Hana Bank Attendance (%)
Fransiska Oktavia Anggota – SMEC Credit 3 3 100%
Review Head*)
Member - SMEC Credit
Review Head*
Erwin Rahardja Anggota – SME Credit 3 3 100%
Sutanta Review Head*)
Member - SME Credit
Review Head*
Sausan Anggota – Credit 3 3 100%
Administration Head*)
Member - Credit
Administration Head*
Welly Januardo Anggota/Sekretaris – 3 3 100%
Credit Policies Specialist
Member/Secretary -
Credit Policies Specialist
Keterangan | Explanation
*) Non Permanent Member
1) Efektif mengundurkan diri sebagai Direktur Bisnis setelah penutupan RUPST tanggal 9 Juni 2023.
2) Efektif menjabat sebagai Direktur Bisnis tanggal 15 Agustus 2023.
3) Efektif mengundurkan diri sebagai Direktur Perbankan Konsumer tanggal 1 Januari 2024.
4) Masa jabatan sebagai Head of Credit Review berakhir tanggal 15 Mei 2023.
5) Efektif menjabat sebagai Head of Credit Review tanggal 24 Mei 2023.
6) Efektif mengundurkan diri sebagai Head of Commercial Banking tanggal 1 Februari 2023.
7) Efektif menjabat sebagai Head of Commercial Banking tanggal 1 Februari 2023.
8) Masa jabatan sebagai Head of Business Support berakhir tanggal 1 Desember 2023.
9) Masa jabatan sebagai Head of SME berakhir tanggal 1 Desember 2023.
10) Efektif menjabat sebagai Head of SME tanggal 1 Desember 2023.
11) Efektif menjabat sebagai Head of Legal tanggal 1 Januari 2023.
*) Ketidakhadiran disebabkan ada penugasan manajemen pada waktu yang bersamaan.
*) Non-Permanent Member
1) Effective resignation as Director of Business after the closing of the Annual General Meeting of Shareholders on June 9, 2023.
2) Effective appointment as Director of Business on August 15, 2023.
3) Effective resignation as Director of Consumer Banking on January 1, 2024.
4) Term as Head of Credit Review ended on May 15, 2023.
5) Effective appointment as Head of Credit Review on May 24, 2023.
6) Effective resignation as Head of Commercial Banking on February 1, 2023.
7) Effective appointment as Head of Commercial Banking on February 1, 2023.
8) Term as Head of Business Support ended on December 1, 2023.
9) Term as Head of SME ended on December 1, 2023.
10) Effective appointment as Head of SME on December 1, 2023.
11) Effective appointment as Head of Legal on January 1, 2023.
*) Absence due to being on a management assignment at the time.
Pengembangan Kompetensi Komite Credit Policy Committee Competency
Kebijakan Perkreditan Development
Informasi mengenai pengembangan kompetensi Information on competency development attended
yang diikuti oleh anggota Komite Kebijakan by members of the Credit Policy Committee is
Perkreditan disajikan pada bagian “Profil Anggota presented in the “Profile of Members of the Board
Komite Direksi Pejabat Eksekutif Bank, Anggota of Directors Committee, Bank Executive Officers,
Komite Direksi, Pejabat Eksekutif Bank” dan “Profil Members of the Board of Directors Committee,
Anggota Komite Direksi” pada lampiran dalam Bank Executive Officers” and “Profile of Members of
Laporan Tahunan ini. the Board of Directors Committee” in the appendix
contained in this Annual Report.
Pelaksanaan Tugas dan Tanggung Jawab Implementation of Duties and Responsibilities
Komite Kebijakan Perkreditan of the Credit Policy Committee
Sepanjang tahun 2023, beberapa tugas dan Throughout 2023, several tasks and responsibilities
tanggung jawab yang telah dilaksanakan Komite that have been carried out by the Credit Policy
Kebijakan Perkreditan, antara lain: Committee include:
1. Menyusun Credit Policy Bulletin dan 1. Prepare a Credit Policy Bulletin and its
perubahannya; amendments;
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2. Menyusun pengkinian batas persetujuan/limit 2. Prepare an updated limit approval/Limit
authority berdasarkan segmentasi kredit; Authority based on loan segmentation;
3. Melakukan pengkinian Collateral Appraisal 3. Update the Collateral Appraisal Guideline; and
Guideline; dan
4. Menetapkan ketentuan temporary terkait suku 4. Establish temporary provisions regarding loan
bunga kredit untuk segmen SME dan Komersial. interest rates for the SME and Commercial
segments.
KOMITE INVESTIGASI KREDIT CREDIT INVESTIGATION COMMITTEE
Komite Investigasi Kredit dibentuk untuk The Credit Investigation Committee was formed
membantu tugas Direksi dalam menyelidiki, to assist the Board of Directors in investigating,
melakukan pembahasan, melaporkan hasil conducting discussions, reporting investigation
investigasi, dan memberikan rekomendasi atas results, and providing recommendations on loan
adanya kasus kredit. cases.
Tugas dan Tanggung Jawab Komite Investigasi Duties and Responsibilities of the Credit
Kredit Investigation Committee
1. Melakukan audit atau review dengan kriteria 1. Conduct an audit or review with the following
sebagai berikut: criteria:
a. Adanya penurunan kualitas kredit yang a. There is a decline in loan quality, which is
diklasifikasikan ke dalam kolektibilitas 4 classified into collectability 4 (doubtful) and
(diragukan) dan 5 (macet); 5 (non-performing);
b. Debitur-debitur yang mengalami b. Debtors who experience bankruptcy or are
kebangkrutan atau tidak mampu membayar unable to pay their obligations within 6
kewajiban dalam rentang waktu 6 bulan months after obtaining loan facilities from
setelah memperoleh fasilitas kredit dari the Bank;
Bank;
c. Kredit yang di-write off atau sebelum c. Loan written off or before the write-off is
dilakukannya write-off; carried out;
d. Adanya kerugian kredit yang diakibatkan d. There are loan losses resulting from terms
oleh syarat dan ketentuan yang tidak and conditions that are not managed/
dikelola/dipenuhi secara memadai (sesuai fulfilled adequately (according to requests
permintaan atau covenant dari Komite or covenants from the Credit Committee);
Kredit);
e. Kasus kredit di mana agunan dijual melalui e. Loan cases where collateral is sold through
lelang dengan harga kurang 30% dari nilai auction at a price less than 30% of the
likuidasi; liquidation value;
f. Kredit dengan kolektibilitas 2, di mana f. Credit with collectability 2, where the
Relationship Manager/Branch Manager responsible Relationship Manager/Branch
yang bertanggung jawab bermaksud untuk Manager intends to resign; and
mengundurkan diri; serta
g. Kasus-kasus kredit lainnya di mana Divisi g. Other loan cases where the Internal Audit
Audit Internal menyimpulkan perlu Division concludes that an investigation is
dilakukan investigasi. necessary.
2. Melakukan investigasi atas hal-hal sebagai 2. Conduct investigations on the following
berikut: matters:
a. Adanya kemungkinan unsur kesengajaan a. There is the possibility of an element of
dari pihak pegawai dan/atau bekerja sama intent on the part of the employee and/
dengan pihak debitur dan pihak lainnya or collaborating with the debtor and other
untuk memperoleh suatu keuntungan parties to obtain a certain advantage during
tertentu pada waktu proses pemberian the process of providing loan facilities until
fasilitas kredit hingga masa kredit berakhir; the loan period ends;
b. Apakah penanganan kredit yang bermasalah b. Has the handling of problematic loans been
telah dilaksanakan sesuai dengan peraturan carried out in accordance with applicable
yang berlaku (peraturan internal dan regulations (internal regulations and
peraturan otoritas); serta authority regulations); and
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c. Adanya kemungkinan unsur kelalaian/ c. There may be elements of negligence/error/
kesalahan/pelanggaran peraturan internal violation of internal regulations related to
terkait kasus kredit. loan cases.
Komposisi Komite Investigasi Kredit Composition of the Credit Investigation
Committee
Pada akhir 2023, keanggotaan Komite Investigasi At the end of 2023, the membership of the Credit
Kredit di Bank Hana terdiri dari satu orang Direktur Investigation Committee at Hana Bank consisted
sebagai Ketua Komite serta beranggotakan 2 (dua) of one Director as Chairman of the Committee, 2
orang Direktur, dan 3 (tiga) Pejabat Eksekutif. (two) Directors, and 3 (three) Executive Officers as
members.
Struktur Keanggotaan Komite Investigasi Kredit
Risk Management Committee Membership Structure
Periode dan Masa Jabatan
Posisi di dalam Komite Period and Term of Office
Dasar Hukum
dan Bank Hana
Nama Penunjukan Akhir Masa
Position in the
Name Legal Basis for Tanggal Efektif Jabatan
Committee and Hana
Appointment Effective Date End of Term of
Bank
Office
Jong Jin Park Ketua – Direktur Utama SK Direksi No. 10 Oktober 27 Desember
Chairman – President 34/116A/DIR/SK 2022 2023
Director tanggal 10 Oktober 10 October 27 December
2022 2022 2023
Bayu Wisnu Wardhana Anggota – Direktur Board of Directors’
Kepatuhan & Legal Decision Letter No.
Member – Compliance & 34/116A/DIR/SK dated
Legal Director 10 October2022
Ratna Ningsih Anggota – Direktur
Kredit SK Direksi 28 Desember Sampai
Member – Credit No. 35/109/DIR/SK 2023 dicabutnya SK
Director tanggal 28 Desember Desember 28, Direksi
2023 2023 No. 35/109/DIR/
Novalita Imanuddin Anggota - Chief Risk Board of Directors’ SK
Officer Decision Letter No. Tanggal 28
Member - Chief Risk 35/109/DIR/SK dated Desember 2023
Officer 28 December 2023 Until the Board
of Directors
Rachmad Setiawan1) Anggota – Head of Legal
Decree
Member - Head of Legal
No. 35/109/DIR/
SK
Mifta Chul Chaq Mahfoed Anggota/Sekretaris – December 28,
Head of Internal Audit 2023 is revoked
Member/Secretary -
Head of Internal Audit
Keterangan | Note:
1) Efektif menjabat sebagai Head of Legal tanggal 1 Januari 2023.
1) Effectively serving as Head of Legal on January 1, 2023.
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Profil Singkat Anggota Komite Investigasi Kredit
Brief Profile of Credit Investigation Committee Members
Usia Dasar Pengalaman Rangkap
Warga
Nama (Tahun) Pengangkatan Pendidikan Kerja Jabatan
Negara
Name Age Basis of Education Work Concurrent
Nationality
(year old) Appointment Experience Position
Jong Jin Park Profil telah disajikan pada SK Direksi Profil telah disajikan pada “Profil Direksi”
Bayu Wisnu “Profil Direksi” No. 35/109/DIR/ The profile has been presented in "Board of
Wardhana The profile has been SK Director's Profile"
presented in "Board of tanggal 28
Director's Profile" Desember 2023
Ratna Ningsih Board of Profil telah disajikan pada “Lampiran"
Directors Profiles have been presented in “Appendix”.
Novalita Imanuddin Profil telah disajikan pada Decree
“Lampiran" No. 35/109/DIR/
Rachmad
The profiles have been SK
Setiawan1)
presented in the “Appendix”. December 28,
Mifta Chul Chaq 2023
Mahfoed
Keterangan | Note:
1) Efektif menjabat sebagai Head of Legal tanggal 1 Januari 2023.
1) Effectively serving as Head of Legal on January 1, 2023.
Independensi Komite Investigasi Kredit Independence of the Credit Investigation
Committee
Dalam melaksanakan tugas dan tanggung In carrying out its duties and responsibilities, the
jawabnya, Komite Investigasi Kredit Credit Investigation Committee prioritizes the
mengedepankan prinsip independensi dan kehati- principles of independence and prudence. The
hatian. Bank senantiasa menjamin bahwa anggota Bank always guarantees that the members of the
Komite Investigasi Kredit yang saat ini menjabat Credit Investigation Committee who currently
bebas dari segala intervensi, baik dari Dewan serve are free from any intervention, whether from
Komisaris, Direksi, ataupun Pemegang Saham. the Board of Commissioners, Board of Directors, or
Shareholders.
Selain itu, Komite Investigasi Kredit juga bebas In addition, the Credit Investigation Committee is
dari segala benturan kepentingan dan pengaruh also free from any conflict of interest, influence, or
atau tekanan dari pihak mana pun yang tidak pressure from any party that is not in accordance
sesuai dengan peraturan perundang-undangan with applicable laws and regulations, ethical
yang berlaku; nilai-nilai etika, prinsip, dan praktik values, principles, and practices for conducting
penyelenggaraan usaha perbankan yang sehat; sound banking business, as well as Bank policies
serta kebijakan Bank yang mungkin terjadi selama that may occur during the implementation of the
pelaksanaan tugas dan tanggung jawab komite. committee’s duties and responsibilities.
Rapat Komite Investigasi Kredit Credit Investigation Committee Meeting
Kebijakan Rapat Investigasi Kredit Credit Investigation Meeting Policy
Beberapa kebijakan rapat Komite Investigasi Kredit Some policies of the Credit Investigation Committee
sebagai berikut: Meeting are as follows:
1. Komite Investigasi Kredit secara regular 1. The Credit Investigation Committee regularly
melakukan pertemuan atau rapat yang holds meetings or sessions conducted 2 (two)
diselenggarakan 2 (dua) kali setahun. times a year.
2. Rapat dilakukan apabila dihadiri dan/atau 2. The meeting shall be conducted if attended
diwakili lebih dari 50% (lima puluh per and/or represented by more than 50% (fifty
seratus) dari seluruh jumlah anggota komite per cent) of the total number of committee
yang memiliki hak suara dengan ketentuan members who have voting rights, with one of
salah satunya adalah ketua komite dan/atau them being the committee chairperson and/or
pengganti ketua komite. their substitute.
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3. Keputusan Rapat Komite Investigasi Kredit 3. Decisions of the Credit Investigation Committee
harus diambil berdasarkan musyawarah untuk Meeting shall be made based on consensus:
mufakat:
· Apabila keputusan berdasarkan musyawarah - If consensus cannot be reached, decisions
untuk mufakat tidak tercapai, keputusan shall be made if approved by more than
diambil apabila disetujui lebih dari ½ (satu ½ (one-half) of the total votes cast at the
per dua atau setengah) dari jumlah suara meeting.
yang dikeluarkan dalam rapat.
· Apabila keputusan yang diambil dari jumlah -
In case of tied votes (equal number of “Yes”
suara seri ( posisi Ya dan Tidak sama) atau and “No” positions) or dissenting opinions,
terdapat perselisihan pendapat, maka hak the right of veto shall be granted to the
video diberikan kepada Ketua Rapat Komite Chairperson of the Credit Investigation
Investigasi Kredit (Hak Veto) Committee Meeting.
4. Risalah rapat rutin ditandatangani oleh Ketua 4. Regular meeting minutes shall be signed
dan Sekretaris Komite. by the Chairperson and the Secretary of the
Committee.
Frekuensi Rapat Komite Investigasi Kredit Frequency of Credit Investigation Committee
Meetings
Sepanjang tahun 2023, rapat Komite Investigasi Throughout 2023, the Credit Investigation
Kredit diadakan 2 (dua) kali. Committee meetings were held 2 (two) times.
Posisi di dalam Komite Persentase
Jumlah Rapat Kehadiran
Nama dan Bank Hana Kehadiran (%)
Number of Number of
Name Position in Committee Percentage of
Meetings Meetings
and Hana Bank Attendance (%)
Jong Jin Park Ketua – Direktur Utama
Chairman – President 2 2 100%
Director
Bayu Wisnu Anggota – Direktur
Wardhana Kepatuhan & Legal
2 2 100%
Member – Compliance &
Legal Director
Ratna Ningsih Anggota – Direktur Kredit
2 2 100%
Member – Credit Director
Novalita Imanuddin Anggota - Chief Risk
Officer
2 2 100%
Member - Chief Risk
Officer
Rachmad Setiawan1) Anggota – Head of Legal
2 2 100%
Member - Head of Legal
Mifta Chul Chaq Anggota/Sekretaris –
Mahfoed Head of Internal Audit
2 2 100%
Member/Secretary – Head
of Internal Audit
Keterangan | Note:
1) Efektif menjabat sebagai Head of Legal tanggal 1 Januari 2023.
1) Effectively serving as Head of Legal on January 1, 2023.
Pengembangan Kompetensi Komite Credit Investigation Committee Competency
Investigasi Kredit Development
Informasi mengenai pengembangan kompetensi Information on competency development attended
yang diikuti oleh anggota Komite Investigasi by members of the Credit Investigation Committee
Kredit disajikan pada bagian “Profil Anggota is presented in the “Profile of Members of the Board
Komite Direksi Pejabat Eksekutif Bank, Anggota of Directors Committee, Bank Executive Officers,
Komite Direksi, Pejabat Eksekutif Bank” dan Members of the Board of Directors Committee,
““Profil Anggota Komite Direksi” pada lampiran Bank Executive Officers” and “Profile of Members of
dalam Laporan Tahunan ini. (merujuk file kami the Board of Directors Committee” in the appendix
sebelumnya). contained in this Annual Report.
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Pelaksanaan Tugas dan Tanggung Jawab Implementation of Duties and Responsibilities
Komite Investigasi Kredit of the Credit Investigation Committee
Sepanjang tahun 2023, beberapa tugas dan Throughout 2023, several tasks and responsibilities
tanggung jawab yang telah dilaksanakan Komite that have been carried out by the Credit
Investigasi Kredit, antara lain: Investigation Committee include:
1. Melakukan kaji ulang terhadap beberapa 1. Conduct a review of several Home Ownership
debitur Kredit Kepemilikan Rumah (KPR) Credit (KPR) Sejahtera Housing Financing
Sejahtera Fasilitas Likuiditas Pembiayaan Liquidity Facility (FLPP) debtors who are in the
Perumahan (FLPP) yang masuk kategori Non Non-Performing Loan (NPL) category;
Performing Loan (NPL);
2. Merekomendasikan Departemen Mortgage 2. Recommend that the Mortgage Support
Support untuk melakukan serah terima kepada Department hand over to the Asset Recovery
Departemen Asset Recovery terkait dengan Department regarding the settlement of FLPP
penyelesaian debitur NPL KPR FLPP; dan KPR NPL debtors; and
3. Merekomendasikan Departemen Mortgage 3. Recommend that the Mortgage Support
Support untuk melakukan koordinasi dengan Department coordinate with the Asset Recovery
Departemen Asset Recovery untuk debitur yang Department for debtors who have entered
telah masuk kolektabilitas 2 untuk mengambil collectability 2 to take initial follow-up steps so
langkah tindak lanjut awal sehingga dapat that they can be handled immediately before
tertangani dengan segera sebelum debitur the debtor enters the NPL category.
masuk kedalam kategori NPL.
KOMITE PENGARAH TEKNOLOGI INFORMATION TECHNOLOGY STEERING
INFORMASI COMMITTEE
Komite Pengarah Teknologi Informasi dibentuk The Information Technology Steering Committee
untuk memastikan penerapan sistem teknologi was formed to ensure the implementation of
informasi (TI) sejalan dengan rencana strategis information technology (IT) systems in line with
Bank Hana serta meningkatkan keunggulan Hana Bank’s strategic plans and to increase
bersaing Bank Hana melalui pemanfaatan TI yang Hana Bank’s competitive advantage through the
tepat guna. appropriate use of IT.
Tugas dan Tanggung Jawab Komite Pengarah Duties and Responsibilities of the Information
Teknologi Informasi Technology Steering Committee
Komite Pengarah Teknologi Informasi memiliki The Information Technology Steering Committee
tugas dan tanggung jawab sebagai berikut: has the following duties and responsibilities:
1. Memberikan rekomendasi kepada Direksi yang 1. Provide recommendations to the Board of
paling kurang mencakup: Directors that at least include:
a. Rencana strategis TI (information technology a. IT strategic plan (nformation technology
strategic) yang sejalan dengan rencana strategic), which is in line with the Bank’s
korporasi Bank; corporate plan;
b. Kebijakan, standar, dan prosedur TI; b. IT policies, standards, and procedures;
c. Kesesuaian antara rencana pengembangan c. Conformity between IT development plans
TI dan rencana strategis TI; and IT strategic plans;
d. Kesesuaian antara pelaksanaan d. Conformity between the implementation
pengembangan TI dan rencana of IT development and the IT development
pengembangan TI; plan;
e. Evaluasi dan efektivitas biaya TI terhadap e. Evaluation and effectiveness of IT costs
pencapaian manfaat yang direncanakan; towards achieving planned benefits;
f. Pemantauan atas kinerja TI dan upaya f. Monitoring IT performance and efforts to
peningkatan kinerja TI; improve IT performance;
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g. Upaya penyelesaian berbagai masalah g. Efforts to resolve various IT-related problems
terkait TI yang tidak dapat diselesaikan oleh that cannot be resolved by IT user and
satuan kerja pengguna dan penyelenggara operator work units effectively, efficiently,
TI secara efektif, efisien, dan tepat waktu; and on time; and
dan
h. Kecukupan dan alokasi sumber daya terkait h. Adequacy and allocation of IT-related
TI yang dimiliki Bank. resources owned by the Bank.
2. Melakukan tinjauan ulang kelayakan investasi 2. Review the feasibility of investing in the IT sector,
pada sektor TI yang dapat memberikan which can contribute to achieving Hana Bank’s
kontribusi terhadap tercapainya tujuan bisnis business objectives;
Bank Hana;
3. Melakukan tinjauan ulang terhadap perumusan 3. Review the formulation of key IT policies,
kebijakan, standar, dan prosedur TI yang utama; standards, and procedures;
4. Memantau dan memastikan kesesuaian proyek- 4. Monitor and ensure the conformity of approved
proyek TI yang disetujui dengan rencana IT projects with the IT strategic plan;
strategis TI;
5. Memantau dan memastikan kesesuaian 5. Monitor and ensure compliance between the
pelaksanaan proyek-proyek TI dengan rencana implementation of IT projects and the agreed
proyek yang disepakati (project charter); project plan (project charter);
6. Memantau dan memastikan kesesuaian 6. Monitor and ensure compliance between IT and
antara TI dengan kebutuhan sistem informasi management information system needs and
manajemen serta kebutuhan kegiatan usaha the needs of Hana Bank’s business activities;
Bank Hana;
7. Memantau kinerja TI dan upaya peningkatan 7. Monitor IT performance and performance
kinerja; improvement efforts;
8. Memantau upaya penyelesaian berbagai 8. Monitor efforts to resolve various IT-related
masalah terkait TI, yang tidak dapat diselesaikan problems that cannot be resolved by the user
oleh satuan kerja pengguna dan satuan kerja work unit and IT operator work unit effectively,
penyelenggara TI secara efektif, efisien, dan efficiently, and on time; and
tepat waktu; serta
9. Memastikan kecukupan dan alokasi sumber 9. Ensure the adequacy and allocation of the
daya yang dimiliki Bank. Bank’s resources.
Komposisi Komite Pengarah Teknologi Composition of the Information Technology
Informasi Steering Committee
Pada akhir 2023, keanggotaan Komite Pengarah At the end of 2023, the membership of the
Teknologi Informasi di Bank Hana terdiri dari Information Technology Steering Committee at
satu orang Direktur sebagai Ketua Komite serta Hana Bank consisted of one Director as Chairman
beranggotakan 6 (enam) orang Direktur, 6 of the Committee and 6 (six) Directors, 6 (six)
(enam) Pejabat Eksekutif, dan 6 (enam) Kepala Executive Officers and 6 (six) Department Heads as
Departemen. members.
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Struktur Keanggotaan Komite Pengarah Teknologi Informasi
Risk Management Committee Membership Structure
Periode dan Masa Jabatan
Posisi di dalam Komite dan Dasar Hukum Period and Term of Office
Nama Bank Hana Penunjukan Akhir Masa
Name Position in the Committee and Legal Basis for Tanggal Efektif Jabatan
Hana Bank Appointment Effective Date End of Term of
Office
Sang Keun Kwak Ketua – Direktur Teknologi SK Direksi No. 10 Oktober Sampai
Informasi 34/116A/DIR/SK 2022 dicabutnya SK
Chairman – Information tanggal 10 Oktober 10 October Direksi
Technology Director 2022 2022 No. 35/109/DIR/
Board of Directors’ SK
Jong Jin Park Anggota – Direktur Utama Decision Letter No. Tanggal 28
Member – President Director 34/116A/DIR/SK dated Desember 2023
Hang Keun Cho1) Anggota – Direktur Keuangan 10 October2022 Until the
Member – Finance Director Board of
Directors
Seong Hyeok SK Direksi 28 Desember Decree
Mun 2) No. 35/109/DIR/SK 2023 No. 35/109/
tanggal 28 December 28, DIR/SK
Bayu Wisnu Anggota – Direktur Kepatuhan Desember 2023 2023 December
Wardhana & Legal Board of Directors’ 28, 2023 is
Member – Compliance & Legal Decision Letter No. revoked
Director 35/109/DIR/SK dated
Ratna Ningsih Anggota – Direktur Kredit 28 December 2023
Member – Credit Director
Junita Anggota – Direktur Bisnis
Wangsadinata3) Member – Business Director
Geoffry
Nugraha4)
Anton Anggota – Direktur Perbankan
Hermawan5) Konsumer
Member – Consumer Banking
Director
Novalita Anggota – Chief Risk Officer
Imanuddin Member - Chief Risk Officer
Sumia Anggota – Chief Human Capital
and Operation Officer
Member – Chief Human Capital
and Operation Officer
Hendri Setiawan Anggota – Chief Business
Officer*)
Member - Chief Business
Officer*)
Tae Geun Kwon Anggota – Head of Information
Technology
Member - Head of Information
Technology
In Woong Bahng Anggota – Head Digital Banking
IT Specialist
Member - Head Digital Banking
IT Specialist
Diah Octaviani Anggota – Head of IT PMO
Kusnomo Member - Head of IT PMO
Jimmy Eduard Anggota – IT Core Banking Head
Rizky Member - IT Core Banking Head
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Struktur Keanggotaan Komite Pengarah Teknologi Informasi
Risk Management Committee Membership Structure
Periode dan Masa Jabatan
Posisi di dalam Komite dan Dasar Hukum Period and Term of Office
Nama Bank Hana Penunjukan Akhir Masa
Name Position in the Committee and Legal Basis for Tanggal Efektif Jabatan
Hana Bank Appointment Effective Date End of Term of
Office
Daniel Satyaloka Anggota – IT MIS Head
Member - IT MIS Head
Ary Wahyu Alam6) Anggota – IT Operation Head
Member - IT Operation Head
Windhi Wirastari 7)
Tjetjen Saputra Anggota – Head of Compliance
Member - Head of Compliance
Kristian Kharisma Anggota/Sekretaris – IT
Himawan Governance and Risk Head
Member/Secretary – IT
Governance and Risk Head
Keterangan | Note:
*) Alternate for Business Director
1) Efektif mengundurkan diri sebagai Direktur Keuangan tanggal 5 Mei 2023.
2) Efektif menjabat sebagai Direktur Keuangan tanggal 5 Mei 2023.
3) Efektif mengundurkan diri sebagai Direktur Bisnis setelah penutupan RUPST tanggal 9 Juni 2023.
4) Efektif menjabat sebagai Direktur Bisnis tanggal 15 Agustus 2023.
5) Efektif mengundurkan diri sebagai Direktur Perbankan Konsumer tanggal 1 Januari 2024.
6) Efektif mengundurkan diri sebagai IT Operation Head tanggal 9 Mei 2023.
7) Efektif menjabat sebagai IT Operation Head tanggal 1 Oktober 2023.
*) Alternate for Business Director
1) Effectively resigned as Finance Director on May 5, 2023.
2) Effectively serving as Finance Director on May 5, 2023.
3) Effectively resigned as Business Director after the closing of the AGMS on June 9, 2023.
4) Effectively serving as Business Director on August 15, 2023.
5) Effectively resigned as Director of Consumer Banking on January 1, 2024.
6) Effectively resigned as IT Operation Head on May 9, 2023.
7) Effectively serving as IT Operation Head on October 1, 2023.
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 385
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Ikhtisar Utama 2023 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen
Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Profil Singkat Anggota Komite Pengarah Teknologi Informasi
Brief Profile of Information Technology Steering Committee Members
Usia Dasar Pengalaman Rangkap
Warga
Nama (Tahun) Pengangkatan Pendidikan Kerja Jabatan
Negara
Name Age Basis of Education Work Concurrent
Nationality
(year old) Appointment Experience Position
Sang Keun Kwak Profil telah disajikan SK Direksi Profil telah disajikan pada “Profil Direksi”
pada “Profil Direksi” No. 35/109/DIR/ The profile has been presented in "Board of
Jong Jin Park The profile has been SK Director's Profile"
Mun Seong Hyeok presented in "Board of Tanggal 28
Director's Profile" Desember 2023
Bayu Wisnu Board of
Wardhana Directors
Decree
Ratna Ningsih
No. 35/109/DIR/
Geoffry Nugraha SK
December 28,
Novalita Imanuddin Profil telah disajikan 2023 Profil telah disajikan pada “Lampiran"
pada “Lampiran"
Sumia Profiles have been presented in “Appendix”
Hendri Setiawan Profiles have been
presented in “Appendix”
Tae Geun Kwon
In Woong Bahng
Diah Octaviani
Kusnomo
Jimmy Eduard
Rizky
Daniel Satyaloka
Windhi Wirastari
Kristian Kharisma
Himawan
Independensi Komite Pengarah Teknologi Independence of the Information Technology
Informasi Steering Committee
Dalam melaksanakan tugas dan tanggung In carrying out its duties and responsibilities, the
jawabnya, Komite Pengarah Teknologi Informasi Information Technology Steering Committee
mengedepankan prinsip independensi dan kehati- prioritizes the principles of independence and
hatian. Bank senantiasa menjamin bahwa anggota prudence. The Bank always guarantees that the
Komite Pengarah Teknologi Informasi yang saat members of the Information Technology Steering
ini menjabat bebas dari segala intervensi, baik dari Committee who currently serve are free from
Dewan Komisaris, Direksi, ataupun Pemegang any intervention, whether from the Board of
Saham. Commissioners, Board of Directors, or Shareholders.
Selain itu, Komite Pengarah Teknologi Informasi In addition, the Information Technology Steering
juga bebas dari segala benturan kepentingan Committee is also free from any conflict of
dan pengaruh atau tekanan dari pihak mana pun interest, influence, or pressure from any party
yang tidak sesuai dengan peraturan perundang- that is not in accordance with applicable laws
undangan yang berlaku; nilai-nilai etika, prinsip, and regulations, ethical values, principles, and
dan praktik penyelenggaraan usaha perbankan practices for conducting sound banking business,
yang sehat; serta kebijakan Bank yang mungkin as well as Bank policies that may occur during the
terjadi selama pelaksanaan tugas dan tanggung implementation of the committee’s duties and
jawab komite. responsibilities.
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Aspek Operasional Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Operational Aspects Corporate Governance Sustainability Report Financial Statements
Rapat Komite Pengarah Teknologi Informasi Information Technology Steering Committee
Meeting
Kebijakan Rapat Komite Pengarah Teknologi Information Technology Steering Committee
Informasi Meeting Policy
Beberapa kebijakan rapat Komite Pengarah Some policies of the Information Technology
Teknologi Informasi sebagai berikut: Steering Committee Meeting are as follows:
1. Rapat Komite Pengarah Teknologi Informasi 1. The Information Technology Steering
dilaksanakan sesuai kebutuhan Bank Hana, Committee Meeting shall be held as needed by
paling sedikit 2 (dua) kali dalam 1 (satu) tahun. Bank Hana, at least 2 (two) times in 1 (one) year.
2. Rapat dilakukan apabila dihadiri dan/atau 2. The meeting shall be conducted if attended
diwakili lebih dari 50% (lima puluh per and/or represented by more than 50% (fifty
seratus) dari seluruh jumlah anggota komite per cent) of the total number of committee
yang memiliki hak suara dengan ketentuan members who have voting rights, with one of
salah satunya adalah ketua komite dan/atau them being the committee chairperson and/or
pengganti ketua komite. their substitute.
3. Keputusan Rapat Komite Pengarah Teknologi 3. Decisions of the Information Technology
Informasi harus diambil berdasarkan Steering Committee Meeting shall be made
musyawarah untuk mufakat. based on consensus.
· Apabila keputusan berdasarkan musyawarah - If consensus cannot be reached, decisions
untuk mufakat tidak tercapai, keputusan shall be made if approved by more than
diambil apabila disetujui lebih dari ½ (satu ½ (one-half) of the total votes cast at the
per dua atau setengah) dari jumlah suara meeting.
yang dikeluarkan dalam rapat.
· Apabila keputusan yang diambil dari jumlah -
In case of tied votes (equal number of “Yes”
suara seri ( posisi Ya dan Tidak sama) atau and “No” positions) or dissenting opinions,
terdapat perselisihan pendapat, maka hak the right of veto shall be granted to the
video diberikan kepada Ketua Rapat Komite Chairperson of the Information Technology
Pengarah Teknologi Informasi (Hak Veto) Steering Committee Meeting.
4. Risalah rapat rutin ditandatangani oleh Ketua 4. Regular meeting minutes shall be signed
dan Sekretaris Komite. by the Chairperson and the Secretary of the
Committee.
Frekuensi Rapat Komite Pengarah Teknologi Information Technology Steering Committee
Informasi Meeting Frequency
Sepanjang tahun 2023, rapat Komite Pengarah Throughout 2023, Information Technology Steering
Teknologi Informasi diadakan 2 (dua) kali. Committee meetings were held 2 (two) times.
Posisi di dalam Komite Persentase
Jumlah Rapat Kehadiran
Nama dan Bank Hana Kehadiran (%)
Number of Number of
Name Position in Committee Percentage of
Meetings Meetings
and Hana Bank Attendance (%)
Sang Keun Kwak Ketua – Direktur Teknologi 2 2 100%
Informasi
Chairman – Information
Technology Director
Jong Jin Park Anggota – Direktur 2 0 0%**
Utama
Member – President
Director
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 387
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Ikhtisar Utama 2023 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen
Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Posisi di dalam Komite Persentase
Jumlah Rapat Kehadiran
Nama dan Bank Hana Kehadiran (%)
Number of Number of
Name Position in Committee Percentage of
Meetings Meetings
and Hana Bank Attendance (%)
Hang Keun Cho1) Anggota – Direktur - - -
Keuangan
Member – Finance
Director
Mun Seong Hyeok2) 2 2 100%
Bayu Wisnu Anggota – Direktur 2 2 100%
Wardhana Kepatuhan & Legal
Member – Compliance &
Legal Director
Ratna Ningsih Anggota – Direktur Kredit 2 1 50%
Member – Credit Director
Junita Anggota – Direktur Bisnis - - -
Wangsadinata3) Member – Business
Director
Geoffry Nugraha4) 1 1 100%
Anton Hermawan 5)
Anggota – Direktur 2 2 100%
Perbankan Konsumer
Member – Consumer
Banking Director
Novalita Imanuddin Anggota – Chief Risk 2 2 100%
Officer
Member - Chief Risk
Officer
Sumia Anggota – Chief Human 2 2 100%
Capital and Operation
Officer
Member – Chief Human
Capital and Operation
Officer
Hendri Setiawan Anggota – Chief Business 2 2 100%
Officer*)
Member - Chief Business
Officer*)
Tae Geun Kwon Anggota – Head of 2 1 50%
Information Technology
Member - Head of
Information Technology
In Woong Bahng Anggota – Head Digital 2 1 50%
Banking IT Specialist
Member - Head Digital
Banking IT Specialist
Diah Octaviani Anggota – Head of IT 2 1 50%
Kusnomo PMO
Member - Head of IT PMO
Jimmy Eduard Rizky Anggota – IT Core 2 2 100%
Banking Head
Member - IT Core Banking
Head
Daniel Satyaloka Anggota – IT MIS Head 2 2 100%
Member - IT MIS Head
Ary Wahyu Alam6) Anggota – IT Operation - - -
Head
Member - IT Operation
Head
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Aspek Operasional Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Operational Aspects Corporate Governance Sustainability Report Financial Statements
Posisi di dalam Komite Persentase
Jumlah Rapat Kehadiran
Nama dan Bank Hana Kehadiran (%)
Number of Number of
Name Position in Committee Percentage of
Meetings Meetings
and Hana Bank Attendance (%)
Windhi Wirastari7) 2 2 100%
Tjetjen Saputra Anggota – Head of 2 2 100%
Compliance
Member - Head of
Compliance
Kristian Kharisma Anggota/Sekretaris – IT 2 2 100%
Himawan Governance and Risk
Head
Member/Sekretaris – IT
Governance and Risk
Head
Keterangan | Note:
*) Alternate for Business Director
1) Efektif mengundurkan diri sebagai Direktur Keuangan tanggal 5 Mei 2023.
2) Efektif menjabat sebagai Direktur Keuangan tanggal 5 Mei 2023.
3) Efektif mengundurkan diri sebagai Direktur Bisnis setelah penutupan RUPST tanggal 9 Juni 2023.
4) Efektif menjabat sebagai Direktur Bisnis tanggal 15 Agustus 2023.
5) Efektif mengundurkan diri sebagai Direktur Perbankan Konsumer tanggal 1 Januari 2024.
6) Efektif mengundurkan diri sebagai IT Operation Head tanggal 9 Mei 2023.
7) Efektif menjabat sebagai IT Operation Head tanggal 1 Oktober 2023.
**) Ketidakhadiran disebabkan ada penugasan manajemen pada waktu yang bersamaan.
*) Alternate for Business Director
1) Effectively resigned as Finance Director on May 5, 2023.
2) Effectively serving as Finance Director on May 5, 2023.
3) Effectively resigned as Business Director after the closing of the AGMS on June 9, 2023.
4) Effectively serving as Business Director on August 15,e 2023.
5) Effectively resigned as Director of Consumer Banking on January 1, 2024.
6) Effectively resigned as IT Operation Head on May 9, 2023.
7) Effectively serving as IT Operation Head on October 1, 2023.
**) Absence due to being on a management assignment at the time.
Pengembangan Kompetensi Komite Pengarah Information Technology Steering Committee
Teknologi Informasi Competency Development
Informasi mengenai pengembangan kompetensi Information on competency development attended
yang diikuti oleh anggota Komite Pengarah by members of the Information Technology
Teknologi Informasi disajikan pada bagian “Profil Steering Committee is presented in the “Profile
Anggota Komite Direksi Pejabat Eksekutif Bank, of Committee Members of the Board of Directors,
Anggota Komite Direksi, Pejabat Eksekutif Bank”, Bank Executive Officers, Committee Members of
dan “Profil Anggota Komite Direksi” pada lampiran the Board of Directors, Bank Executive Officers”,
dalam Laporan Tahunan ini. and “Profile of Committee Members of the Board of
Directors” in the appendix contained in this Annual
Report.
Pelaksanaan Tugas dan Tanggung Jawab Implementation of Duties and Responsibilities
Komite Pengarah Teknologi Informasi of the Information Technology Steering
Committee
Sepanjang tahun 2023, beberapa tugas dan Throughout 2023, several tasks and responsibilities
tanggung jawab yang telah dilaksanakan Komite that have been carried out by the Information
Pengarah Teknologi Informasi, antara lain: Technology Steering Committee include:
1. Perencanaan proyek dan inisiatif TI tahun 2023 1. 2023 IT project and initiative planning and
dan strategi implementasi dan mekanisme implementation strategy and cost mechanisms;
biaya;
2. Penyampaian dan pengkinian rencana strategis 2. Submission and updating of the IT strategic
TI tahun 2023, diantaranya adalah Rebuild plan for 2023, including Rebuild HOBIS, DRC
HOBIS, relokasi DRC, Roadmap Keamanan relocation, Cyber Security Roadmap, IT MIS, and
Siber, IT MIS dan proses operasional TI; IT operational processes;
3. Rencana anggaran TI, mencakup realisasi 3. IT budget plan, including budget realization for
anggaran tahun 2023, dan estimasi anggaran 2023 and estimated IT budget plan for 2024; and
rencana TI tahun 2024; dan
4. Struktur Organisasi TI, tenaga kerja tahun 2023 4. IT Organizational Structure, workforce in 2023,
dan perencanaan tenaga kerja tahun 2024. and workforce planning in 2024.
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 389
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Ikhtisar Utama 2023 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen
Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
KOMITE SUMBER DAYA MANUSIA HUMAN RESOURCES COMMITTEE
Komite Sumber Daya Manusia dibentuk untuk The Human Resources Committee was formed to
membantu tugas Direksi dalam pengelolaan assist the Board of Directors in managing human
sumber daya manusia (SDM), meliputi penetapan resources (HR), including determining strategies
strategi dan rencana penyampaiannya, untuk and delivery plans, to maintain and develop quality
mempertahankan dan mengembangkan human resources. The HR Committee is tasked
SDM yang berkualitas. Komite SDM bertugas with carrying out matters related to HR policies and
menjalankan hal-hal yang berkaitan dengan monitoring and reporting on the implementation
kebijakan SDM dan memantau serta melaporkan of HR-related programs being implemented.
pelaksanaan atas program-program terkait SDM
yang dijalankan.
Tugas dan Tanggung Jawab Komite Sumber Duties and Responsibilities of the Human
Daya Manusia Resources Committee
Komite Sumber Daya Manusia memberikan The Human Resources Committee provides
rekomendasi kepada Direksi yang paling kurang recommendations to the Board of Directors, which
mencakup: at least include:
1. Arahan strategi dan kebijakan umum di bidang 1. Strategic direction and general policy in the
ketenagakerjaan; field of employment;
2. Kompensasi dan manfaat karyawan; 2. Employee compensation and benefits;
3. Sistem promosi, manajemen penilaian kerja, 3. Promotion system, work appraisal management,
manajemen talenta, dan perencanaan suksesi talent management, and succession planning
di tubuh organisasi dengan memiliki jenjang in the organization with clear rank levels;
kepangkatan yang jelas;
4. Kesehatan dan keselamatan organisasi; 4. Organizational health and safety;
5. Pelatihan dan pengembangan karyawan; 5. Employee training and development;
6. Kajian mengenai pelanggaran dan tindakan 6. Review of violations and disciplinary action in
disiplin sesuai dengan ketentuan yang berlaku; accordance with applicable regulations; and
serta
7. Kajian pengembangan hubungan karyawan 7. Study of employee relationship development
dengan budaya dan nilai Bank. with the Bank’s culture and values.
Komposisi Komite Sumber Daya Manusia Composition of the Human Resources
Committee
Pada akhir 2023, keanggotaan Komite Sumber At the end of 2023, the membership of the Human
Daya Manusia di Bank Hana terdiri dari 1 orang Resources Committee at Bank consisted of 1
Pejabat Eksekutif sebagai Ketua Komite serta Executive Officer as Chairman of the committee, 4
beranggotakan 4 orang Direktur, 2 Pejabat Directors and 2 Executive Officers as members.
Eksekutif.
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Aspek Operasional Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Operational Aspects Corporate Governance Sustainability Report Financial Statements
Struktur Keanggotaan Komite Sumber Daya Manusia
Human Resources Committee Membership Structure
Periode dan Masa Jabatan
Posisi di dalam Komite Period and Term of Office
Dasar Hukum
dan Bank Hana
Nama Penunjukan Akhir Masa
Position in the
Name Legal Basis for Tanggal Efektif Jabatan
Committee and Hana
Appointment Effective Date End of Term of
Bank
Office
Sumia Anggota - Chief Human SK Direksi No. 10 Oktober 27 Desember
Capital & Operation 34/116A/DIR/SK 2022 2023
Officer tanggal 10 Oktober 10 October 27 December
Member - Chief Human 2022 2022 2023
Capital & Operations Board of Directors’
Officer Decision Letter No.
34/116A/DIR/SK dated
Ratna Ningsih Anggota – Direktur 10 October2022
Kredit
Member – Credit
Director
Junita Wangsadinata1) Anggota – Direktur SK Direksi 28 Desember Sampai
Bisnis No. 35/109/DIR/SK 2023 dicabutnya
Geoffry Nugraha2) Member – Business tanggal 28 Desember December 28, SK Direksi No.
Director 2023 2023 35/109/DIR/
Board of Directors’ SK Tanggal
Bayu Wisnu Wardhana Anggota – Direktur Decision Letter No. 28 Desember
Kepatuhan & Legal 35/109/DIR/SK dated 2023
Member – Compliance & 28 December 2023 Until the Board
Legal Director of Directors
Anton Hermawan3) Anggota – Direktur Decree
Perbankan Konsumer No. 35/109/DIR/
Member – Director of SK
Consumer Banking December 28,
2023 is revoked
Novalita Imanuddin Anggota – Chief Risk
Officer
Member – Chief Risk
Officer
Hendri Setiawan Anggota – Chief
Business Officer
Member – Chief
Business Officer
Fennyta Wijaya/ Anggota/Sekretaris –
Meilynda A Aditianto/ Human Capital Leaders
Tito Ananda Bintarto/Lisa Member/Secretary –
Christiana Human Capital Leaders
Keterangan | Note:
1) Efektif mengundurkan diri sebagai Direktur Bisnis setelah penutupan RUPST tanggal 9 Juni 2023.
2) Efektif menjabat sebagai Direktur Bisnis tanggal 15 Agustus 2023.
3) Efektif mengundurkan diri sebagai Direktur Perbankan Konsumer tanggal 1 Januari 2024.
1) Effectively resigned as Business Director after the closing of the AGMS on June 9, 2023.
2) Effectively serving as Business Director on August 15, 2023.
3) Effectively resigned as Director of Consumer Banking on January 1, 2024.
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 391
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Ikhtisar Utama 2023 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen
Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Profil Singkat Anggota Komite Sumber Daya Manusia
Brief Profile of Human Resources Committee Members
Usia Dasar Pengalaman Rangkap
Warga
Nama (Tahun) Pengangkatan Pendidikan Kerja Jabatan
Negara
Name Age Basis of Education Work Concurrent
Nationality
(year old) Appointment Experience Position
Sumia Profil telah Profil SK Direksi Profil telah disajikan pada Lampiran
disajikan telah No. 35/109/DIR/ Profile has been presented on Appendix
pada disajikan SK
Lampiran pada Tanggal 28
Profile Lampiran Desember 2023
has been Profile Board of
presented has been Directors
on Appendix presented Decree
on No. 35/109/DIR/
Appendix SK
December 28,
2023
Ratna Ningsih Profil telah disajikan Profil telah Profil telah disajikan pada “Profil Direksi”
pada “Profil Direksi” disajikan pada The profile has been presented in "Board of
Geoffry Nugraha The profile has been “Profil Direksi” Director's Profile"
Bayu Wisnu presented in "Board of The profile
Wardhana Director's Profile" has been
presented
Novalita Profil telah disajikan in "Board of
Imanuddin pada Lampiran Director's
Profile has been Profile"
Hendri Setiawan presented on Appendix
Fennyta Wijaya
Meilynda A
Aditianto
Tito Ananda
Bintarto
Lisa Christiana
Independensi Komite Sumber Daya Manusia Independence of the Human Resources
Committee
Dalam melaksanakan tugas dan tanggung In carrying out its duties and responsibilities,
jawabnya, Komite Sumber Daya Manusia the Human Resources Committee prioritizes the
mengedepankan prinsip independensi dan principles of independence and prudence. The
kehati-hatian. Bank senantiasa menjamin bahwa Bank always guarantees that the members of the
anggota Komite Sumber Daya Manusia yang saat Human Resources Committee who currently serve
ini menjabat bebas dari segala intervensi, baik dari are free from any intervention, whether from the
Dewan Komisaris, Direksi, ataupun Pemegang Board of Commissioners, Board of Directors, or
Saham. Shareholders.
Selain itu, Komite Sumber Daya Manusia juga bebas In addition, the Human Resources Committee is
dari segala benturan kepentingan dan pengaruh also free from any conflict of interest, influence, or
atau tekanan dari pihak mana pun yang tidak pressure from any party that is not in accordance
sesuai dengan peraturan perundang-undangan with applicable laws and regulations; ethical
yang berlaku; nilai-nilai etika, prinsip, dan praktik values, principles, and practices for conducting
penyelenggaraan usaha perbankan yang sehat; sound banking business; as well as Bank policies
serta kebijakan Bank yang mungkin terjadi selama that may occur during the implementation of the
pelaksanaan tugas dan tanggung jawab komite. committee’s duties and responsibilities.
Rapat Komite Sumber Daya Manusia Human Resources Committee Meeting
Kebijakan Rapat Komite Sumber Daya Manusia Human Resources Committee Meeting Policy
Beberapa kebijakan Rapat Komite Sumber Daya Some policies of the Human Resources Committee
Manusia sebagai berikut: Meeting are as follows:
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1. Rapat Komite Sumber Daya Manusia 1. The Human Resources Committee Meeting
dilaksanakan sekurangnya 6 (enam) bulan shall be held at least every 6 (six) months.
sekali.
2. Rapat dilakukan apabila dihadiri dan/atau 2. The meeting shall be conducted if attended
diwakili lebih dari 50% (lima puluh per and/or represented by more than 50% (fifty
seratus) dari seluruh jumlah anggota komite per cent) of the total number of committee
yang memiliki hak suara dengan ketentuan members who have voting rights, with one of
salah satunya adalah ketua komite dan/atau them being the committee chairperson and/or
pengganti ketua komite. their substitute.
3. Pemberian keputusan/rekomendasi strategis di 3. Strategic decisions/recommendations in
bidang Sumber Daya Manusia, dapat dilakukan the field of Human Resources may be made
melalui: through:
a. Rapat Komite a. Committee Meeting
· Keputusan Rapat Komite Sumber Daya • Decisions of the Human Resources
Manusia harus diambil berdasarkan Committee Meeting shall be made based
musyawarah untuk mufakat. on consensus.
· Apabila keputusan berdasarkan • If consensus cannot be reached, decisions
musyawarah untuk mufakat tidak shall be made if approved by more than
tercapai, keputusan diambil apabila ½ (one-half) of the total votes cast at the
disetujui lebih dari ½ (satu per dua meeting.
atau setengah) dari jumlah suara yang
dikeluarkan dalam rapat.
· Apabila keputusan yang diambil dari • In case of tied votes (equal number of
jumlah suara seri ( posisi Ya dan Tidak “Yes” and “No” positions) or dissenting
sama) atau terdapat perselisihan opinions, the right of veto shall be
pendapat, maka hak video diberikan granted to the Chairperson of the Human
kepada Ketua Rapat Sumber Daya Resources Meeting.
Manusia (Hak Veto).
b. Secara sirkulasi melalui Internal Memo b. Circulation through Internal Memo under
dengan kondisi: the following conditions:
· Apabila pengambilan keputusan • If decisions are made through circulation,
dilakukan secara sirkulasi, Internal Memo an Internal Memo shall be prepared by
dibuat oleh Sekretaris dengan arahan the Secretary under the direction of the
dari Ketua KSDM. Chairperson of the Human Resources
Committee.
· Ketua dan semua Anggota Komite yang • The Chairperson and all Committee
dilibatkan harus telah diinformasikan Members involved must have been
secara tertulis mengenai adanya usulan informed in writing about the proposal
yang dibuat dalam bentuk Internal made in the form of an Internal Memo.
Memo. Draft keputusan dicantumkan The draft decision shall be included in
dalam Internal Memo. the Internal Memo.
· Ketua dan semua Anggota Komite yang • The Chairperson and all Committee
dilibatkan wajib memberikan keputusan Members involved are required to provide
atau persetujuan secara tertulis atau their decisions or approvals in writing or
melalui sistem. through the system.
· Keputusan yang diambil secara sirkulasi, • Decisions made through circulation shall
memiliki kekuatan hukum yang sama have the same legal force as decisions
dengan keputusan yang diambil dalam made in the Committee Meeting.
Rapat Komite.
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 393
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Ikhtisar Utama 2023 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen
Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Frekuensi Rapat Komite Sumber Daya Manusia Human Resources Committee Meeting
Frequency
Sepanjang tahun 2023, rapat Komite Sumber Daya Throughout 2023, Human Resources Committee
Manusia diadakan 6 (enam) kali. meetings were held 6 (six) times.
Posisi di dalam Komite Persentase
Jumlah Rapat Kehadiran
Nama dan Bank Hana Kehadiran (%)
Number of Number of
Name Position in Committee Percentage of
Meetings Meetings
and Hana Bank Attendance (%)
Sumia Anggota - Chief Human
Capital & Operation
Officer
6 6 100%
Member - Chief Human
Capital & Operations
Officer
Ratna Ningsih Anggota – Direktur Kredit
6 6 100%
Member – Credit Director
Junita Anggota – Direktur Bisnis
Wangsadinata1) Member – Business 4 3 75%
Director
Geoffry Nugraha2) 2 2 100%
Bayu Wisnu Anggota – Direktur
Wardhana Kepatuhan & Legal
6 6 100%
Member – Compliance &
Legal Director
Anton Hermawan3) Anggota – Direktur
Perbankan Konsumer
6 4 67%
Member – Director of
Consumer Banking
Novalita Imanuddin Anggota – Chief Risk
Officer
6 6 100%
Member – Chief Risk
Officer
Hendri Setiawan Anggota – Chief Business
Officer
6 6 100%
Member – Chief Business
Officer
Fennyta Wijaya/ Anggota/Sekretaris –
Meilynda A Human Capital Leaders
Aditianto/ Tito Member/Secretary – 6 6 100%
Ananda Bintarto/Lisa Human Capital Leaders
Christiana4)
Keterangan | Note:
1) Efektif mengundurkan diri sebagai Direktur Bisnis setelah penutupan RUPST tanggal 9 Juni 2023.
2) Efektif menjabat sebagai Direktur Bisnis tanggal 15 Agustus 2023.
3) Efektif mengundurkan diri sebagai Direktur Perbankan Konsumer tanggal 1 Januari 2024.
1) Effectively resigned as Business Director after the closing of the AGMS on June 9, 2023.
2) Effectively serving as Business Director on August 15, 2023.
3) Effectively resigned as Director of Consumer Banking on January 1, 2024.
Pengembangan Kompetensi Komite Sumber Human Resources Committee Competency
Daya Manusia Development
Informasi mengenai pengembangan kompetensi Information on competency development
yang diikuti oleh anggota Komite Sumber Daya attended by members of the Human Resources
Manusia disajikan pada bagian “Profil Anggota Committee is presented in the “Profile of Board
Komite Direksi Pejabat Eksekutif Bank, Anggota of Directors Committee Members, Bank Executive
Komite Direksi, Pejabat Eksekutif Bank”, dan “Profil Officers, Board of Directors Committee Members,
Anggota Komite Direksi” lampiran dalam Laporan Bank Executive Officers”, and “Profile of Board of
Tahunan ini. pada lampiran yang terdapat dalam Directors Committee Members” in the appendix
Laporan Tahunan ini. contained in this Annual Report.
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Pelaksanaan Tugas dan Tanggung Jawab Implementation of Duties and Responsibilities
Komite Sumber Daya Manusia of the Human Resources Committee
Sepanjang tahun 2023, beberapa tugas dan Throughout 2023, several tasks and responsibilities
tanggung jawab yang telah dilaksanakan Komite that have been carried out by the Human Resources
Sumber Daya Manusia, antara lain: Committee include:
1. Pembahasan dan analisis mengenai performa 1. Discussion and analysis regarding employee
kinerja, remunerasi, dan promosi karyawan; performance, remuneration, and promotion;
2. Pembahasan dan informasi hasil investigasi 2. Discussion and information on the results
atas dugaan pelanggaran karyawan; of investigations into suspected employee
violations;
3. Keputusan pemberian sanksi atas 3. Decision to impose sanctions for employee
penyelewengan atau pelanggaran karyawan; fraud or violations; and
serta
4. Perubahan Struktur Organisasi Bankwide. 4. Changes in Bankwide Organizational Structure.
KOMITE PENGEMBANGAN PRODUK PRODUCT DEVELOPMENT COMMITTEE
Komisi Pengembangan produk dibentuk untuk The Product Development Committee was formed
membantu Direksi dalam pengelolaan dan to assist the Board of Directors in managing and
pengembangan produk, baik yang sudah ada developing products, both existing and new.
maupun produk baru.
Tugas dan Tanggung Jawab Komite Duties and Responsibilities of the Product
Pengembangan Produk Development Committee
Komite Pengembangan Produk memberikan The Product Development Committee provides
rekomendasi kepada Direksi yang paling kurang recommendations to the Board of Directors, which
mencakup: at least include:
1. Memastikan bahwa produk atau aktivitas baru 1. Ensure that new products or activities to be
yang akan dikembangkan telah sesuai dengan developed are in accordance with the Bank’s
rencana dan strategi Bank; plans and strategies;
2. Memastikan bahwa produk atau aktivitas 2. Ensure that the new product or activity to be
baru yang akan dikembangkan, telah developed has considered the potential risks
dipertimbangkan potensi risiko-risiko yang that may occur (adjusted to the characteristics
mungkin terjadi (disesuaikan dengan of each product/activity) and has adequate
karakteristik dari masing-masing produk/ mitigation measures;
aktivitas) dan telah memiliki tindakan mitigasi
yang memadai;
3. Memberikan persetujuan, rekomendasi, dan 3. Provide approval, recommendations, and
penolakan atas produk atau aktivitas baru yang rejection of proposed new products or activities;
diajukan;
4. Menganalisis cost and benefit, serta melakukan 4. Analyze costs and benefits and review other
review dampak keuangan lainnya; dan financial impacts; and
5. Melengkapi kebijakan/prosedur terkait produk 5. Complete policies/procedures related to new
atau aktivitas baru yang berhubungan dengan products or activities related to each function:
fungsi masing-masing:
a. Pemilik produk: menyusun draf kebijakan a. Product owner: drafts policies and workflows
dan alur kerja produk/aktivitas baru yang for new products/activities to be published;
akan diterbitkan; serta and
b. Akunting: memastikan pos dan jurnal b. Accounting: ensure post and bookkeeping
pembukuan terkait produk/aktivitas baru, journals related to new products/activities,
berikut perpajakannya. including taxation.
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 395
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Komposisi Komite Pengembangan Produk Composition of the Product Development
Committee
Pada akhir 2023, keanggotaan Komite At the end of 2023, the membership of the Product
Pengembangan Produk di Bank Hana terdiri dari Development Committee at Hana Bank consisted
satu orang Direktur sebagai Ketua Komite serta of one Director as Chairman of the Committee, 4
beranggotakan 4 (empat) orang Direktur dan 3 (four) Directors, 3 (three) Executive Officers, and
(tiga) Pejabat Eksekutif, satu Kepala Departemen. one Head of Department as members.
Struktur Keanggotaan Komite Pengembangan Produk
Product Development Committee Membership Structure
Periode dan Masa Jabatan
Posisi di dalam Komite Period and Term of Office
Dasar Hukum
dan Bank Hana
Nama Penunjukan Akhir Masa
Position in the
Name Legal Basis for Tanggal Efektif Jabatan
Committee and Hana
Appointment Effective Date End of Term of
Bank
Office
Hang Keun Cho1) Ketua – Direktur SK Direksi No. 10 Oktober 27 Desember
Keuangan 34/116A/DIR/SK 2022 2023
Mun Seong Hyeok 2)
Chairman – Finance tanggal 10 Oktober 10 October
Director 2022 2022
Board of Directors’
Loan Product Committee: Decision Letter No.
Bayu Wisnu Wardhana Anggota – Direktur 34/116A/DIR/SK dated
Kepatuhan & Legal 10 October2022
Member – Compliance &
Legal Director
Ratna Ningsih Anggota – Direktur SK Direksi No. 35/109/ 28 Desember Sampai
Kredit DIR/SK tanggal 28 2023 dicabutnya SK
Member – Credit Desember 2023 December 28, Direksi
Director Board of Directors’ 2023 No. 35/109/DIR/
Decision Letter No. SK
Anton Hermawan3) Anggota – Direktur 35/109/DIR/SK dated Tanggal 28
Perbankan Konsumer 28 December 2023 Desember 2023
Member – Consumer Until the Board
Banking Director of Directors
Emmanuela Chrisanti Sekretaris/Anggota – Decree
Asterina Head of Loan Product No. 35/109/DIR/
Secretary/Member – SK
Head of Loan Product December 28,
2023 is revoked
Funding Product Committee:
Bayu Wisnu Wardhana Anggota – Direktur
Kepatuhan & Legal
Member – Compliance &
Legal Director
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Struktur Keanggotaan Komite Pengembangan Produk
Product Development Committee Membership Structure
Periode dan Masa Jabatan
Posisi di dalam Komite Period and Term of Office
Dasar Hukum
dan Bank Hana
Nama Penunjukan Akhir Masa
Position in the
Name Legal Basis for Tanggal Efektif Jabatan
Committee and Hana
Appointment Effective Date End of Term of
Bank
Office
Anton Hermawan Anggota – Direktur
Perbankan Konsumer
Member – Consumer
Banking Director
Hilda Limyanton4) Sekretaris/Anggota
– Head of Funding
Tanuwijaya Diana 5)
Product & Digital
Marketing
Secretary/Member
– Head of Funding
Product & Digital
Marketing
E-channel Product Committee:
Bayu Wisnu Wardhana Anggota – Direktur
Kepatuhan & Legal
Member – Compliance &
Legal Director
Anton Hermawan Anggota – Direktur
Perbankan Konsumer
Member – Consumer
Banking Director
Adi Haryadi Sekretaris/Anggota
– Head of E-channel
Management
Secretary/Member
– Head of E-channel
Management
Wealth Product Committee:
Junita Wangsadinata6) Anggota – Direktur
Bisnis
Geoffry Nugraha 7)
Member – Business
Director
Related Directors/
Chiefs/ Division/
Department/Unit
Eddrin Sunandar8) Sekretaris/Anggota –
Wealth Management
Devi Agustino Haryanto 6)
Business Head
Secretary/Member –
Wealth Management
Business Head
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Ikhtisar Utama 2023 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen
Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Struktur Keanggotaan Komite Pengembangan Produk
Product Development Committee Membership Structure
Periode dan Masa Jabatan
Posisi di dalam Komite Period and Term of Office
Dasar Hukum
dan Bank Hana
Nama Penunjukan Akhir Masa
Position in the
Name Legal Basis for Tanggal Efektif Jabatan
Committee and Hana
Appointment Effective Date End of Term of
Bank
Office
Keterangan | Note:
1) Efektif mengundurkan diri sebagai Direktur Keuangan tanggal 5 Mei 2023.
2) Efektif menjabat sebagai Direktur Keuangan tanggal 5 Mei 2023.
3) Efektif mengundurkan diri sebagai Direktur Perbankan Konsumer tanggal 1 Januari 2024.
4) Efektif mengundurkan diri sebagai Head of Funding Product & Digital Marketing tanggal 18 Juli 2023.
5) Efektif menjabat sebagai Head of Funding Product & Digital Marketing tanggal 1 Oktober 2023.
6) Efektif mengundurkan diri sebagai Direktur Bisnis setelah penutupan RUPST tanggal 9 Juni 2023.
7) Efektif menjabat sebagai Direktur Bisnis tanggal 15 Agustus 2023.
8) Efektif mengundurkan diri sebagai Wealth Management Head tanggal 1 Juni 2023.
9) Efektif menjabat sebagai Wealth Management Head tanggal 10 April 2023.
1) Effectively resigned as Finance Director on May 5, 2023.
2) Effectively serving as Finance Director on May 5, 2023.
3) Effectively resigned as Director of Consumer Banking on January 1, 2024.
4) Effectively resigned as Head of Funding Product & Digital Marketing on July 18, 2023.
5) Effectively serving as Head of Funding Product & Digital Marketing on October 1, 2023.
6) Effectively resigned as Business Director after the closing of the AGMS on June 9, 2023.
7) Effectively serving as Business Director on August 15, 2023.
8) Effectively resigned as Wealth Management Head on June 1, 2023.
9) Effectively serving as Wealth Management Head on April 10, 2023.
Profil Singkat Anggota Pengembangan Produk
Brief Profile of Product Development Members
Usia Dasar Pengalaman Rangkap
Warga
Nama (Tahun) Pengangkatan Pendidikan Kerja Jabatan
Negara
Name Age Basis of Education Work Concurrent
Nationality
(year old) Appointment Experience Position
Mun Seong Hyeok Profil telah disajikan SK Direksi Profil telah disajikan pada “Profil Direksi”
pada “Profil Direksi” No. 35/109/DIR/ The profile has been presented in "Board of
Bayu Wisnu The profile has been SK Director's Profile"
Wardhana presented in "Board of Tanggal 28
Ratna Ningsih Director's Profile" Desember 2023
Board of
Emmanuela Profil telah disajikan Directors
Chrisanti Asterina pada Lampiran Decree
Profile has been No. 35/109/DIR/
Tanuwijaya Diana presented on Appendix SK
Adi Haryadi December 28,
2023
Geoffry Nugraha
Independensi Komite Pengembangan Produk Independence of the Product Development
Committee
Dalam melaksanakan tugas dan tanggung In carrying out its duties and responsibilities, the
jawabnya, Komite Pengembangan Produk Product Development Committee prioritizes the
mengedepankan prinsip independensi dan kehati- principles of independence and prudence. The
hatian. Bank senantiasa menjamin bahwa anggota Bank always guarantees that the members of the
Komite Pengembangan Produk yang saat ini Product Development Committee who currently
menjabat bebas dari segala intervensi, baik dari serve are free from any intervention, whether from
Dewan Komisaris, Direksi, ataupun Pemegang the Board of Commissioners, Board of Directors, or
Saham. Shareholders.
Selain itu, Komite Pengembangan Produk juga In addition, the Product Development Committee
bebas dari segala benturan kepentingan dan is also free from any conflict of interest, influence,
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pengaruh atau tekanan dari pihak mana pun or pressure from any party that is not in accordance
yang tidak sesuai dengan peraturan perundang- with applicable laws and regulations, ethical
undangan yang berlaku; nilai-nilai etika, prinsip, values, principles, and practices for conducting
dan praktik penyelenggaraan usaha perbankan sound banking business; as well as Bank policies
yang sehat; serta kebijakan Bank yang mungkin that may occur during the implementation of the
terjadi selama pelaksanaan tugas dan tanggung committee’s duties and responsibilities.
jawab komite.
Rapat Komite Pengembangan Produk Product Development Committee Meeting
Kebijakan Rapat Komite Pengembangan Produk Product Development Committee Meeting Policy
Beberapa kebijakan Rapat Komite Pengembangan Some policies of the Product Development
Produk sebagai berikut: Committee Meeting are as follows:
1. Waktu pelaksanaan Rapat Komite 1. The Product Development Committee Meeting
Pengembangan Produk dilakukan sewaktu- is conducted at any time in accordance with
waktu sesuai dengan pengajuan rencana the submission of a new product or activity
penerbitan produk atau aktivitas baru serta issuance plan as well as for the needs of product
untuk kebutuhan monitoring dan review/ monitoring and review/analysis.
analisa produk.
2. Rapat dilakukan apabila dihadiri dan/atau 2. Meetings are conducted if attended and/
diwakili lebih dari 50% (lima puluh per or represented by more than 50% (fifty per
seratus) dari seluruh jumlah anggota komite hundred) of the total number of committee
yang memiliki hak suara dengan ketentuan members with voting rights, provided that one
salah satunya adalah ketua komite dan/atau of them is the committee chairman and/or the
pengganti ketua komite. committee chairman’s alternate.
3. Keputusan Rapat Komite Pengembangan 3. Decisions of the Product Development
Produk harus diambil berdasarkan musyawarah Committee Meeting must be made based on
untuk mufakat: deliberation for consensus:
· Apabila keputusan berdasarkan musyawarah - If a decision based on deliberation for
untuk mufakat tidak tercapai, keputusan consensus is not reached, a decision shall be
diambil apabila disetujui lebih dari ½ (satu made if approved by more than ½ (one-half
per dua atau setengah) dari jumlah suara or half) of the total number of votes cast in
yang dikeluarkan dalam rapat. the meeting.
· Apabila keputusan yang diambil dari jumlah - If the decision made from the number of
suara seri ( posisi Ya dan Tidak sama) atau votes is tied (Yes and No positions are equal)
terdapat perselisihan pendapat, maka hak or there is a dispute of opinion, then the
video diberikan kepada Ketua Rapat Fraud video rights are given to the Chairman of
Investigation Committee (Hak Veto). the Fraud Investigation Committee Meeting
(Veto Rights).
4. Risalah rapat rutin ditandatangani oleh Ketua 4. Minutes of regular meetings are signed by the
dan Sekretaris Komite. Chairman and Secretary of the Committee.
Frekuensi Rapat Komite Pengembangan Frequency of Product Development
Produk Committee Meetings
Sepanjang tahun 2023, Komite Pengembangan Throughout 2023, the Product Development
Produk dilaksanakan sebanyak 1 (satu) kali Committee meetings were held 1 (one) time,
dan pengembangan produk yang dibuat/ product developments created/developed were
dikembangkan dibahas secara internal dan discussed internally, and approval for those
persetujuan atas produk tersebut diajukan melalui products was submitted through an approval
memo persetujuan. memo.
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Posisi di dalam Komite Persentase
Jumlah Rapat Kehadiran
Nama dan Bank Hana Kehadiran (%)
Number of Number of
Name Position in Committee Percentage of
Meetings Meetings
and Hana Bank Attendance (%)
Hang Keun Cho1) Ketua – Direktur 1 1 100%
Keuangan
Seong Hyeok Mun2) Chairman - Director of - - -
Finance
Bayu Wisnu Anggota – Direktur 1 1 100%
Wardhana Kepatuhan & Legal
Member - Director of
Compliance & Legal
Officer
Ratna Ningsih Anggota – Direktur Kredit 1 1 100%
Member - Credit Director
Junita Anggota – Direktur Bisnis 1 1 100%
Wangsadinata3) Member - Business
Director
Geoffry Nugraha4) - - -
Anton Hermawan5) Anggota – Consumer 1 1 100%
Banking Director
Member - Consumer
Banking Director
Novalita Imanuddin Anggota – Chief Risk 1 1 100%
Officer
Member - Chief Risk
Officer
Hendri Setiawan Anggota – Chief Business 1 1 100%
Officer
Member - Chief Business
Officer
Eddrin Sunandar6) Sekretaris/Anggota – 1 1 100%
Wealth Management
Devi Agustino Business Head - - -
Haryanto7) Secretary/Member -
Wealth Management
Business Head
Keterangan:
1) Efektif mengundurkan diri sebagai Direktur Keuangan tanggal 5 Mei 2023.
2) Efektif menjabat sebagai Direktur Keuangan tanggal 5 Mei 2023.
3) Efektif mengundurkan diri sebagai Direktur Bisnis setelah penutupan RUPST tanggal 9 Juni 2023.
4) Efektif menjabat sebagai Direktur Bisnis tanggal 15 Agustus 2023.
5) Efektif mengundurkan diri sebagai Direktur Perbankan Konsumer tanggal 1 Januari 2024.
6) Efektif mengundurkan diri sebagai Wealth Management Business Head tanggal 1 Juni 2023.
7) Efektif menjabat sebagai Wealth Management Business Head tanggal 10 April 2023
Pengembangan Kompetensi Komite Product Development Committee
Pengembangan Produk Competency Development
Informasi mengenai pengembangan kompetensi Information on competency development
yang diikuti oleh anggota Komite Pengembangan attended by members of the Product Development
Produk disajikan pada bagian “Profil Anggota Committee is presented in the “Profile of Board of
Komite Direksi Pejabat Eksekutif Bank, Anggota Directors Committee Members, Bank Executive
Komite Direksi, Pejabat Eksekutif Bank”, dan “Profil Officers, Board of Directors Committee Members,
Anggota Komite Direksi” pada lampiran dalam Bank Executive Officers”, and “Profile of Board of
Laporan Tahunan ini. Directors Committee Members” in the appendix
contained in this Annual Report.
Pelaksanaan Tugas dan Tanggung Jawab Implementation of Duties and Responsibilities
Komite Pengembangan Produk of the Product Development Committee
Sepanjang tahun 2023, beberapa tugas dan Throughout 2023, several tasks and responsibilities
tanggung jawab yang telah dilaksanakan Komite that have been carried out by the Product
Pengembangan Produk, antara lain: Development Committee include:
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1. Kajian tahunan rekanan (Manajer Investasi 1. Annual review of partners (Investment
dan Perusahaan Asuransi) termasuk risiko Managers and Insurance Companies) including
konsentrasi; dan concentration risk; and
2. Kajian aktivitas Wealth Management 2. Review of Wealth Management Surveillance
Surveilance tahun 2022. Activities in 2022.
KOMITE INVESTIGASI FRAUD FRAUD INVESTIGATION COMMITTEE
Komite Investigasi Fraud adalah Komite khusus yang The Fraud Investigation Committee is a special
mengkaji ulang hasil investigasi dan memutuskan committee that reviews the results of investigations
tindakan yang akan diambil berdasarkan laporan and decides on the actions to be taken based on
investigasi dari Unit Anti-Fraud. Komite ini memiliki the investigation report from the Anti-Fraud Unit.
fungsi untuk memeriksa dugaan pelanggaran This committee has the function of examining
peraturan, kebijakan, dan prosedur perusahaan di alleged violations of company regulations, policies,
dalam organisasi yang berkaitan dengan tindakan and procedures within the organization related to
penipuan dan menyebabkan kerugian perusahaan fraudulent acts and company losses committed
yang dilakukan oleh karyawan. Komite Investigasi by employees. The Fraud Investigation Committee
Fraud memutuskan dan menetapkan tindakan decides and determines the actions to be taken
yang akan diambil berdasarkan fakta dan temuan based on the facts and findings resulting from the
yang dihasilkan dari laporan Investigasi. investigation report.
Tugas dan Tanggung Jawab Komite Investigasi
Fraud Duties and Responsibilities of the Fraud
Komite Investigasi Fraud memberikan rekomendasi Investigation Committee
kepada Direksi yang paling kurang mencakup: The Fraud Investigation Committee provides
1. Melakukan rapat dengan pihak terkait dan recommendations to the Board of Directors, which
melakukan pembahasan mengenai hasil at least include:
investigasi, di mana Tim Investigasi Anti-Fraud 1. Hold meetings with related parties and discuss
mempersiapkan dan mempresentasikan the results of the investigation, where the
laporan investigasi di rapat Komite Investigasi Anti-Fraud Investigation Team prepares and
Fraud; presents an investigation report at the Fraud
Investigation Committee meeting;
2. Memeriksa hasil investigasi untuk memutuskan 2. Examining the results of investigations to decide
dan menentukan tindakan yang akan diambil and determine actions to be taken based on
berdasarkan pelanggaran yang dilakukan violations committed by employees suspected
oleh karyawan yang dicurigai melakukan of committing fraud by considering the facts,
fraud dengan mempertimbangkan fakta, findings, and recommendations resulting from
temuan, dan rekomendasi yang dihasilkan dari the investigation;
penyelidikan;
3. Mendengarkan penjelasan sanksi pelanggaran 3. Listen to the explanation of sanctions for
berdasarkan Tabel Parameter Sanksi Umum violations based on the General Sanction
yang direkomendasikan oleh Divisi Human Parameter Table recommended by the Human
Capital, sesuai dengan hasil pemeriksaan dari Capital Division, in accordance with the results
Rapat Komite Investigasi Fraud; serta of the examination from the Fraud Investigation
Committee Meeting; and
4. Mengirimkan ringkasan hasil Investigasi dan 4. Send a summary of the investigation results and
rekomendasi dari rapat Komite Investigasi recommendations from the Fraud Investigation
Fraud kepada Komite Sumber Daya Manusia Committee meeting to the Human Resources
(KSDM). Rekomendasi penerbitan sanksi akan Committee (KSDM). Recommendations
disetujui dan dilaksanakan oleh KSDM. for issuing sanctions will be approved and
implemented by KSDM.
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Performance Highlights 2023 Management Report Company Profile Management Discussion and Analysis
Komposisi Komite Investigasi Fraud Composition of the Fraud Investigation
Committee
Pada akhir 2023, keanggotaan Komite Investigasi At the end of 2023, the membership of the Fraud
Fraud di Bank Hana terdiri dari satu orang Direktur Investigation Committee at Hana Bank consisted
Utama sebagai Ketua Komite serta beranggotakan of one President Director as Chairman of the
satu orang Direktur, 6 (enam) Pejabat Eksekutif, Committee, one Director, 6 (six) Executive Officers,
satu Kepala Departemen, dan satu Specialist. one Head of Department, and one Specialist as
members.
Struktur Keanggotaan Komite Investigasi Fraud
Fraud Investigation Committee Membership Structure
Periode dan Masa Jabatan
Posisi di dalam Komite Period and Term of Office
Dasar Hukum
dan Bank Hana
Nama Penunjukan Akhir Masa
Position in the
Name Legal Basis for Tanggal Efektif Jabatan
Committee and Hana
Appointment Effective Date End of Term of
Bank
Office
Jong Jin Park Ketua – Direktur Utama SK Direksi No. 10 Oktober Sampai
Chairman – President 34/116A/DIR/SK 2022 dicabutnya SK
Director tanggal 10 Oktober October 10, Direksi
2022 2022 No. 35/109/DIR/
Bayu Wisnu Wardhana Anggota - Direktur Board of Directors’ SK
Kepatuhan & Legal Decision Letter No. tanggal 28
Member - Compliance & 34/116A/DIR/SK dated Desember
Legal Director 10 October2022 2023
Sumia Anggota - Chief Human Until the Board
Capital and Operation of Directors
Officer Decree
Member - Chief Human No. 35/109/DIR/
Capital and Operation SK
Officer tanggal 28
December
Novalita Imanuddin Anggota - Chief Risk 2023
Officer
Member - Chief Risk
Officer
Yordan Demesky Anggota – Head of
Litigation
Member – Head of
Litigation
Tjetjen Saputra Anggota – Head of SK Direksi 28 Desember
Compliance No. 35/109/DIR/SK 2023
Member – Head of tanggal 28 Desember 28 December
Compliance 2023 2023
Board of Directors’
Rachmad Setiawan Anggota – Head of Legal Decision Letter No.
Member – Head of Legal 35/109/DIR/SK dated
Mifta Chul Chaq Mahfoed Anggota – Head of 28 December 2023
Internal Audit
Member – Head of
Internal Audit
Tito Ananda Bintarto Anggota – Manpower
Management Head
Member – Manpower
Management Head
Indra Wibowo Sekretaris – Anti-Fraud
Specialist
Secretary – Anti-Fraud
Specialist
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Profil Singkat Anggota Komite Investigasi Fraud
Brief Profile of Fraud Investigation Committee Members
Usia Dasar Pengalaman Rangkap
Warga
Nama (Tahun) Pengangkatan Pendidikan Kerja Jabatan
Negara
Name Age Basis of Education Work Concurrent
Nationality
(year old) Appointment Experience Position
Jong Jin Park Profil telah disajikan SK Direksi Profil telah disajikan pada “Profil Direksi”
pada “Profil Direksi” No. 35/109/DIR/ The profile has been presented in "Board of
Bayu Wisnu The profile has been SK tanggal Director's Profile”
Wardhana presented in "Board of 28 Desember
Director's Profile” 2023
Board of
Directors
Sumia Profil telah disajikan Decree
pada Lampiran No. 35/109/DIR/
Novalita The profile has been
Imanuddin SK tanggal
presented on Appendix 28 December
Yordan Demesky 2023
Tjetjen Saputra
Rachmad
Setiawan
Mifta Chul Chaq
Mahfoed
Tito Ananda
Bintarto
Indra Wibowo
Independensi Komite Investigasi Fraud Independence of the Fraud Investigation
Committee
Dalam melaksanakan tugas dan tanggung jawabnya, In carrying out its duties and responsibilities, the Fraud
Komite Investigasi Fraud mengedepankan prinsip Investigation Committee prioritizes the principles
independensi dan kehati-hatian. Bank senantiasa of independence and prudence. The Bank always
menjamin bahwa anggota Komite Investigasi Fraud guarantees that the members of the Fraud Investigation
yang saat ini menjabat bebas dari segala intervensi, Committee who currently serve are free from any
baik dari Dewan Komisaris, Direksi, ataupun Pemegang intervention, whether from the Board of Commissioners,
Saham. Board of Directors, or Shareholders.
Selain itu, Komite Investigasi Fraud juga bebas dari segala In addition, the Fraud Investigation Committee is also free
benturan kepentingan dan pengaruh atau tekanan dari from any conflict of interest, influence, or pressure from
pihak mana pun yang tidak sesuai dengan peraturan any party that is not in accordance with applicable laws
perundang-undangan yang berlaku; nilai-nilai etika, and regulations, ethical values, principles, and practices
prinsip, dan praktik penyelenggaraan usaha perbankan for conducting sound banking business, as well as Bank
yang sehat; serta kebijakan Bank yang mungkin terjadi policies that may occur during the implementation of
selama pelaksanaan tugas dan tanggung jawab komite. the committee’s duties and responsibilities.
Rapat Komite Investigasi Fraud Fraud Investigation Committee Meeting
Kebijakan Rapat Komite Investigasi Fraud Fraud Investigation Committee Meeting Policy
Beberapa kebijakan Rapat Komite Investigasi Some of the policies of the Fraud Investigation
Fraud sebagai berikut: Committee Meeting are as follows:
1. Rapat Komite Investigasi Fraud dilakukan 1. Fraud Investigation Committee Meetings are
secara Ad-Hoc setelah hasil investigasi dari Anti held on an ad-hoc basis after the results of
Fraud Unit perlu diputuskan. investigations by the Anti-Fraud Unit need to be
decided.
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2. Rapat dilakukan apabila dihadiri dan/atau 2. Meetings are conducted if attended and/or
diwakili lebih dari 50% (lima puluh per represented by more than 50% (fifty per cent) of
seratus) dari seluruh jumlah anggota komite the total number of committee members with
yang memiliki hak suara dengan ketentuan voting rights, with one of the conditions being
salah satunya adalah ketua komite dan/atau the presence of the committee chairperson
pengganti ketua komite. and/or their substitute.
3. Keputusan Rapat Komite Investigasi Fraud 3. Decisions of the Fraud Investigation Committee
harus diambil berdasarkan musyawarah untuk Meeting must be made based on deliberation
mufakat: for consensus:
• Apabila keputusan berdasarkan musyawarah • If a decision based on consensus is not
untuk mufakat tidak tercapai, keputusan reached, a decision is made if approved by
diambil apabila disetujui lebih dari ½ (satu more than ½ (one-half) of the total votes
per dua atau setengah) dari jumlah suara cast in the meeting.
yang dikeluarkan dalam rapat.
• Apabila keputusan yang diambil dari jumlah • If the decision taken results in a tie (equal
suara seri (posisi Ya dan Tidak sama) atau positions of Yes and No) or there is a
terdapat perselisihan pendapat, maka hak disagreement, then the right to veto is given
video diberikan kepada Ketua Rapat Fraud to the Chairperson of the Fraud Investigation
Investigation Committee (Hak Veto). Committee Meeting (Veto Right).
4. Risalah rapat rutin ditandatangani oleh Ketua 4. Minutes of regular meetings are signed by the
dan Sekretaris Komite. Chairperson and Secretary of the Committee.
Frekuensi Rapat Komite Investigasi Fraud Frequency of Fraud Investigation Committee
Sepanjang tahun 2023, Komite Investigasi Fraud Meetings
tidak melaksanakan rapat karena tidak ditemukan Throughout 2023, the Fraud Investigation
tindakan fraud yang dilakukan oleh karyawan. Committee did not hold meetings because no
fraud by employees was found.
Pengembangan Kompetensi Komite Fraud Investigation Committee Competency
Investigasi Fraud Development
Informasi mengenai pengembangan kompetensi Information on competency development attended
yang diikuti oleh anggota Komite Investigasi by members of the Fraud Investigation Committee is
Fraud disajikan pada bagian “Profil Anggota presented in the “Profile of Board of Directors Committee
Komite Direksi Pejabat Eksekutif Bank, Anggota Members, Bank Executive Officers, Board of Directors
Komite Direksi, Pejabat Eksekutif Bank”, dan “Profil Committee Members, Bank Executive Officers”, and
Anggota Komite Direksi” pada lampiran dalam “Profile of Board of Directors Committee Members” in
Laporan Tahunan ini. the appendix contained in this Annual Report.
Pelaksanaan Tugas dan Tanggung Jawab Implementation of Duties and Responsibilities
Komite Investigasi Fraud of the Fraud Investigation Committee
Sepanjang tahun 2023, Komite Investigasi Fraud Throughout 2023, the Fraud Investigation
tidak dilaksanakan dikarenakan tidak ditemukan Committee was not implemented because no
tindakan fraud yang dilakukan oleh karyawan. fraud by employees was found.
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Sekretaris Perusahaan
Corporate Secretary
Sebagaimana diatur dalam Peraturan Otoritas Jasa As regulated in Financial Services Authority
Keuangan No. 35/POJK.04/2014 tentang Sekretaris Regulation No. 35/POJK.04/2014 concerning
Perusahaan Emiten atau Perusahaan Publik, maka Corporate Secretaries of Issuers or Public
Sekretaris Perusahaan berperan penting dalam Companies, the Corporate Secretary plays an
usaha meningkatkan keterbukaan layanan dan important role in efforts to increase openness of
komunikasi kepada para pemangku kepentingan services and communication to stakeholders as
sebagai salah satu bentuk penerapan prinsip tata a form of implementing the principles of good
kelola perusahaan yang baik. Sekretaris Perusahaan corporate governance. The Corporate Secretary
bertanggung jawab untuk memelihara citra dan is responsible for maintaining the image and
melindungi kepentingan Bank, membangun protecting the interests of the Bank, building
komunikasi dan hubungan yang baik dengan good communication and relationships with
para pemangku kepentingan, mendukung stakeholders, supporting the administration
penyelenggaraan perusahaan oleh Direksi dan of the Company by the Board of Directors and
Dewan Komisaris, menjalankan tugas-tugas Board of Commissioners, carrying out Bank
kesekretariatan Bank, memastikan kepatuhan secretarial duties, ensuring the Bank’s compliance
Bank atas regulasi yang berlaku, dan mendukung with applicable regulations, and supporting the
pelaksanaan GCG di Bank Hana. implementation GCG at Hana Bank.
Dasar Hukum Penunjukan Sekretaris Legal Basis for the Appointment of Corporate
Perusahaan Secretary
Sekretaris Perusahaan ditunjuk dan diangkat oleh The Corporate Secretary is elected and appointed
Direksi, serta bertanggung jawab kepada Direktur by the Board of Directors, and is responsible to the
Utama. Sekretaris Perusahaan memiliki kedudukan President Director. The Corporate Secretary has a
setingkat Direksi. Sekretaris Perusahaan Bank Hana position at the same level as the Board of Directors.
dijabat oleh Bayu Wisnu Wardhana sejak 1 Agustus Based on the Board of Directors Decree No.
2016 hingga kini berdasarkan Surat Keputusan 28/071A/DIR/SK, Bayu Wisnu Wardhana, who is also
Direksi No. 28/071A/DIR/SK, yang merangkap a member of the Board of Directors of Hana Bank
anggota Direksi Bank Hana yang menjabat sebagai and serves as Director of Compliance & Legal, has
Direktur Kepatuhan & Legal. been the Corporate Secretary of Hana Bank since
August 1, 2016.
Profil Sekretaris Perusahaan Corporate Secretary Profile
Sekretaris Perusahaan Bank Hana dijabat oleh Bayu Wisnu Wardhana, the Director of Compliance
Bayu Wisnu Wardhana, yang merangkap Direktur & Legal at Hana Bank, holds the position of
Kepatuhan & Legal. Profilnya telah disajikan Corporate Secretary. His profile has been presented
pada bagian “Profil Direksi” dalam Bab “Profil in the “Board of Directors’ Profile” section in the
Perusahaan” yang terdapat dalam Laporan “Company Profile” chapter of this Annual Report.
Tahunan Ini.
Tugas dan Tanggung Jawab Sekretaris Duties and Responsibilities of the Corporate
Perusahaan Secretary
Dalam pelaksanaan tugas, Sekretaris Perusahaan In carrying out its duties, the Corporate Secretary
mengikuti perkembangan pasar modal khususnya follows capital market developments, especially
peraturan-peraturan yang berlaku di bidang pasar applicable regulations in the capital market sector,
modal, memberikan masukan kepada Direksi dan provides input to the Board of Directors and
Dewan Komisaris untuk mematuhi ketentuan Board of Commissioners to comply with statutory
peraturan perundang-undangan di bidang pasar provisions in the capital market sector, assists the
modal, membantu Direksi dan Dewan Komisaris Board of Directors and Board of Commissioners in
dalam pelaksanaan tata kelola perusahaan, implementing corporate governance. , and acts as
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serta sebagai penghubung antara Bank dengan a liaison between the Bank and Shareholders, the
Pemegang Saham, Otoritas Jasa Keuangan, serta Financial Services Authority, and other stakeholders.
pemangku kepentingan lainnya.
Sekretaris Perusahaan memiliki tugas dan The Corporate Secretary has the duties and
tanggung jawab untuk: responsibilities to:
1. Mewakili Direksi dalam hubungannya 1. Represent the Board of Directors in their
dengan lembaga/institusi, baik pemerintah relations with institutions, both government
maupun swasta, serta menjalin komunikasi and private, and establish good communication
dan hubungan kerja yang baik dengan pihak and working relationships with internal and
internal, eksternal, dan mitra kerja; external parties and work partners;
2. Mengikuti perkembangan pasar modal, 2. Follow developments in the capital market,
khususnya peraturan perundang-undangan especially the laws and regulations that apply to
yang berlaku di pasar modal; the capital market;
3. Mengoordinasikan/memonitor kegiatan 3. Coordinate/monitor activities related to the
yang berkaitan dengan penerimaan dan receipt and delivery of corporate information
penyampaian informasi korporasi dan and the implementation of meetings of the
pelaksanaan rapat Direksi dan Dewan Komisaris; Board of Directors and Board of Commissioners;
4. Memberikan masukan kepada Direksi dan 4. Provide input to the Board of Directors and
Dewan Komisaris Bank Hana untuk mematuhi Board of Commissioners of Hana Bank to
peraturan perundang-undangan di bidang comply with laws and regulations in the fields
pasar modal, tata kelola perusahaan dan of capital markets, corporate governance, and
perbankan; banking;
5. Mendukung penerapan dan pelaksanaan tata 5. Support the application and implementation of
kelola di Bank Hana; governance at Hana Bank;
6. Mengelola dan mengembangkan citra positif 6. Manage and develop a positive image of Hana
Bank Hana melalui perkembangan hubungan Bank through the development of internal
internal dan eksternal melalui kegiatan and external relations through public relations
kehumasan; activities;
7. Mengelola penyelenggaraan perusahaan 7. Manage the administration of the Company
oleh Direksi dan Dewan Komisaris agar sesuai by the Board of Directors and Board of
dengan Anggaran Dasar Bank dan peraturan Commissioners so that it complies with
lainnya, di antaranya penyelenggaraan aksi the Bank’s Articles of Association and other
korporasi; regulations, including the implementation of
corporate actions;
8. Menyampaikan laporan kepada Otoritas Jasa 8. Submit reports to the Financial Services
Keuangan tepat waktu; Authority on time;
9. Memonitor berbagai kegiatan kesekretariatan 9. Monitor various corporate secretarial activities;
korporasi;
10. Menyelenggarakan RUPS dan aksi korporasi 10. Organizing GMS and corporate actions (together
(bersama dengan Investor Relations); with Investor Relations);
11. Melakukan koordinasi dengan unit kerja internal 11. Coordinate with internal work units related
terkait dengan pihak/lembaga eksternal dalam to external parties/institutions in an effort to
upaya memperlancar kegiatan korporasi dan expedite corporate activities and increase the
meningkatkan efektivitas tata kerja yang terkait effectiveness of work procedures related to the
dengan kegiatan Direksi dan Dewan Komisaris, activities of the Board of Directors and Board
serta Komite Dewan Komisaris; of Commissioners, as well as the Board of
Commissioners Committees;
12. Memberikan pelayanan kepada para pemangku 12. Provide services to stakeholders for any required
kepentingan atas setiap informasi yang information relating to the condition of Hana
dibutuhkan yang berkaitan dengan kondisi Bank;
Bank Hana;
13. Sebagai penghubung atau contact person 13. Act as a liaison or contact person between Hana
antara Bank Hana dengan Pemegang Saham, Bank and Shareholders, the Financial Services
Otoritas Jasa Keuangan, Bursa Efek Indonesia, Authority, the Indonesian Stock Exchange, and
dan pemangku kepentingan lainnya; other stakeholders;
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14. Melakukan aktivitas yang mendukung 14. Carry out activities that support the
pelaksanaan prinsip keterbukaan, terutama implementation of the principle of openness,
menyangkut kinerja Bank Hana, melalui especially regarding Hana Bank’s performance,
komunikasi kepada pihak-pihak yang through communication with interested
berkepentingan; serta parties; and
15. Menjaga kerahasiaan dokumen, data dan 15. Maintain the confidentiality of confidential
informasi yang bersifat rahasia, kecuali dalam documents, data, and information, except in the
rangka memenuhi kewajiban sesuai dengan context of fulfilling obligations in accordance
peraturan perundang-undangan. with statutory regulations.
Pengembangan Kompetensi Competency Development
Kegiatan pengembangan kompetensi Sekretaris The Corporate Secretary’s competency
Perusahaan diuraikan dalam pembahasan “Direksi” development activities are described in the
pada bab “Tata Kelola Perusahaan.” discussion of “Board of Directors” in the “Corporate
Governance” chapter.
Pelaksanaan Tugas Tahun 2023 Implementation of Duties in 2023
Sepanjang tahun 2023, Sekretaris Perusahaan telah Throughout 2023, the Corporate Secretary has
melaksanakan kegiatan-kegiatan, antara lain: carried out activities, including:
1. Menyelenggarakan RUPS Tahunan dan RUPS 1. Holding Annual GMS and Extraordinary GMS in
Luar Biasa tahun 2023; 2023;
2. Melakukan penilaian sendiri terhadap 2. Carry out self-assessment on the
pelaksanaan GCG semester I dan semester II implementation of GCG in the first semester
tahun 2023; and second semester of 2023;
3. Membuat laporan pelaksanaan GCG tahun 3. Prepare a report on GCG implementation in
2023; 2023;
4. Menyusun laporan “Tata Kelola Perusahaan” 4. Prepare reports on “Corporate Governance” and
dan “Tanggung Jawab Sosial Perusahaan” “Corporate Social Responsibility” to be included
untuk dimuat dalam Laporan Tahunan tahun in the 2023 Annual Report;
2023;
5. Menyesuaikan implementasi tata kelola 5. Adjust the implementation of corporate
perusahaan, antara lain sesuai dengan governance, including in accordance with
Peraturan Bank Indonesia, Peraturan Otoritas Bank Indonesia Regulations, Financial Services
Jasa Keuangan, dan ketentuan- ketentuan Authority Regulations, and other provisions;
lainnya;
6. Menyelenggarakan rapat kerja (bersama unit 6. Organizing work meetings (with other work
kerja lainnya); units);
7. Mengembangkan dan mengimplementasikan 7. Develop and implement corporate social
program kegiatan tanggung jawab sosial responsibility activity programs;
perusahaan;
8. Mengembangkan materi komunikasi korporasi 8. Develop the Bank’s corporate communication
Bank, seperti publikasi laporan keuangan materials, such as the publication of financial
melalui media massa, situs web Bank, dan lain- statements through mass media, the Bank’s
lain; website, etc.;
9. Menjadi penghubung antara Perusahaan dan 9. Act as a liaison between the Company
Pemegang Saham, regulator dan pemangku and Shareholders, regulators, and other
kepentingan lainnya; stakeholders;
10. Memelihara dan menjalin komunikasi dengan 10. Maintain and establish communication with
Pemegang Saham, regulator, publik, dan Shareholders, regulators, the public, and other
pemangku kepentingan lainnya; serta stakeholders; and
11. Menjadi penghubung dan mengembangkan 11. Act as a liaison and develop communication
sarana komunikasi, baik di internal maupun facilities, both internally and externally.
eksternal.
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FUNGSI KEPATUHAN COMPLIANCE FUNCTION
Dengan semakin berkembangnya kegiatan usaha As Hana Bank’s business activities continue to
Bank Hana, maka eksposur risiko yang dihadapi develop, the risk exposure it faces also becomes
juga semakin besar. Oleh karena itu, diperlukan greater. Therefore, various kinds of efforts are
berbagai macam upaya untuk memitigasi risiko, needed to mitigate risks, one of which is compliance
salah satunya adalah risiko kepatuhan. Bank risk. The Bank is committed to implementing
berkomitmen menerapkan aspek dan fungsi compliance aspects and functions in risk
kepatuhan dalam pengelolaan risiko sebagaimana management as regulated in OJK Regulation No.
diatur dalam Peraturan OJK No. 46/POJK.03/2017 46/POJK.03/2017 concerning the implementation
tentang Pelaksanaan Fungsi Kepatuhan Bank of Commercial Bank Compliance Functions, as well
Umum, serta Kepatuhan dalam setiap aktivitas as Compliance in every business and operational
usaha dan operasionalnya sebagaimana diatur activity as regulated in the following provisions:
dalam ketentuan:
1. Peraturan OJK No. 55/POJK.03/2016 tentang 1. OJK Regulation No. 55/POJK.03/2016 concerning
Penerapan Tata Kelola Bank Umum; Implementation of Commercial Bank
Governance;
2. Peraturan OJK No. 4/POJK.03/2016 tentang 2. OJK Regulation No. 4/POJK.03/2016 concerning
Penilaian Tingkat Kesehatan Bank Umum; serta Assessment of the Soundness Level of
Commercial Banks; and
3. Surat Edaran OJK No. 13/SEOJK.03/2017 tentang 3. OJK Circular Letter No. 13/SEOJK.03/2017
Penerapan Tata Kelola bagi Bank Umum. concerning Implementation of Governance for
Commercial Banks.
Untuk memastikan bahwa seluruh aktivitas Bank In order to ensure that all Hana Bank activities
Hana mematuhi kepatuhan terhadap peraturan comply with the regulations of the Financial
Otoritas Jasa Keuangan, Bank Indonesia, dan Services Authority, Bank Indonesia, and applicable
peraturan perundang-undangan yang berlaku, laws and regulations, Hana Bank appoints one
maka Bank Hana menunjuk salah satu anggota member of the Board of Directors as Director who
Direksi sebagai Direktur yang menjalankan fungsi carries out the compliance function. Hana Bank
kepatuhan. Bank Hana juga membentuk Satuan also formed a Compliance Work Unit (SKK), which
Kerja Kepatuhan (SKK) yang independen dan is independent and free from the influence of other
bebas dari pengaruh satuan kerja lainnya untuk work units, to assist with the duties of the Director
membantu tugas Direktur yang membawahi in charge of the compliance function.
fungsi kepatuhan.
SKK bertanggung jawab memastikan bahwa SKK is responsible for ensuring that policies,
kebijakan, ketentuan, sistem dan prosedur, serta provisions, systems, and procedures, as well as
kegiatan usaha yang dilakukan oleh Bank telah business activities carried out by the Bank, are in
sesuai dengan ketentuan yang berlaku. Selain accordance with applicable regulations. Apart
SKK, Direktur yang membawahi fungsi kepatuhan from SKK, the Director in charge of the compliance
juga membentuk Satuan Kerja Anti Pencucian function also formed an Anti-Money Laundering
Uang dan Pencegahan Pendanaan Terorisme (Anti Officer and Counter Terrorism Financing (AMLO-
Money Laundering Officer and Counter Terrorism CTF) Work Unit, which is responsible for provisions
Financing, AMLO-CTF) yang bertanggung jawab of the implementation of the Anti-Money
atas ketentuan Penerapan Program Anti Pencucian Laundering and Counter Terrorism Financing (AML
Uang dan Pencegahan Pendanaan Terorisme (APU & CTF) Program.
& PPT).
Direktur Kepatuhan memiliki tanggung jawab The Compliance Director has the responsibility
untuk memastikan Bank Hana telah memenuhi to ensure that Hana Bank has complied with the
peraturan dan perundangan yang berlaku, applicable rules and regulations, determine the
menetapkan langkah-langkah yang diperlukan necessary steps by paying attention to the principle
dengan memperhatikan prinsip kehati-hatian, of prudence, ensure that Hana Bank’s operational
menjaga agar kegiatan operasional Bank Hana tidak activities do not deviate from the provisions, and
menyimpang dari ketentuan, serta memastikan ensure that all of Hana Bank’s commitments
seluruh komitmen Bank Hana kepada Regulator to the Regulator have been met and complied
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telah dilaksanakan dan dipatuhi, menyampaikan with, submitting implementation reports and
laporan pelaksanaan dan tugas tanggung jawab responsibilities related to the implementation of
terkait pelaksanaan fungsi kepatuhan Bank Hana Hana Bank’s compliance function on a semi-annual
secara semesteran kepada Regulator, berperan basis to the Regulator, and playing an active role
aktif sebagai fasilitator dalam pelaksanaan tata as a facilitator in implementing good governance
kelola yang baik dan budaya kepatuhan pada and a culture of compliance for every Hana Bank
setiap pegawai Bank Hana. employee.
Dalam melaksanakan tugas, Direktur Kepatuhan In carrying out his duties, the Compliance Director
dibantu oleh satuan kerja berikut: is assisted by the following work units:
1. SKK yang melakukan kegiatan antara lain: 1. SKK , which carries out activities including:
a. Memastikan kegiatan usaha Bank, kebijakan a. Ensure that the Bank’s business activities,
dan prosedur serta sistem internal, policies and procedures as well as internal
pemberian fasilitas kredit di atas Rp25 miliar systems, the provision of loan facilities
telah sesuai dengan ketentuan perbankan above Rp25 billion are in accordance with
dan peraturan perundang-undangan yang banking provisions and applicable laws and
berlaku serta senantiasa menerapkan regulations and always apply the prudential
prinsip kehati-hatian (prudential principle); principle;
b. Melakukan kegiatan sosialisasi ketentuan b. Carry out socialization activities for new
baru maupun perubahan ketentuan yang provisions or changes to applicable
berlaku dengan kriteria signifikan melalui provisions with significant criteria through
bantuan media elektronik dan media the help of electronic media and other
lainnya; media;
c. Memastikan pemenuhan aktivitas c. Ensure the fulfillment of activities
yang ditentukan oleh regulator, seperti determined by the regulator, such as the
implementasi BI-FAST, BI-Sismontavar, dan implementation of BI-FAST, BI-Sismontavar,
pelaporan kepada regulator, seperti Laporan and reporting to the regulator, such as the
Bank Umum Terintegrasi (LBUT); Integrated Commercial Bank Report (LBUT);
d. Berperan sebagai penghubung (liaison d. Act as a liaison officer for communication
officer) komunikasi dan koordinasi antara and coordination between the Bank and
Bank dengan regulator; regulators;
e. Melakukan pemantauan atas pelaksanaan e. Monitoring the implementation of warning
sanksi teguran dan/atau sanksi denda yang sanctions and/or fines imposed by the
dikenakan oleh regulator; regulator;
f. Melakukan pemantauan pemenuhan f. Monitoring the fulfillment of the Bank’s
kewajiban pelaporan Bank maupun reporting obligations and the commitment
komitmen temuan pemeriksaan kepada to audit findings to the Regulator is carried
Regulator dilakukan melalui aplikasi out through the COMPLY application, which
COMPLY yang merupakan salah satu upaya is one of the efforts to improve risk control
untuk meningkatkan pengendalian risiko and compliance functions in the Bank’s
dan fungsi kepatuhan dalam aktivitas operational activities, allowing it to mitigate
operasional Bank, sehingga diharapkan the risk of deviations and/or violations of
dapat memitigasi risiko terjadinya provisions, adapting to the implementation
penyimpangan dan/atau pelanggaran of working time in the office and at home so
terhadap ketentuan, menyesuaikan dengan that it can still be monitored properly; and
penerapan waktu kerja di kantor maupun
di rumah sehingga tetap dapat dipantau
dengan baik; serta
g. Melaksanakan penerapan budaya g. Implementing a culture of compliance
kepatuhan melalui berbagai kegiatan, through various activities, including
antara lain sosialisasi ketentuan baru/ socializing new provisions/changes from
perubahan dari regulator, menyebarluaskan regulators, disseminating a culture of
budaya kepatuhan pada buletin Bank, compliance in Bank bulletins, carrying
melakukan proses penilaian sendiri melalui out a self-assessment process through
kegiatan compliance self-assessment (CSA) compliance self-assessment (CSA) activities
yang dilakukan setiap 3 bulan sekali untuk which are carried out every 3 months for all
seluruh pegawai tetap . permanent employees.
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2. Satuan Kerja Anti Pencucian Uang dan 2. The Anti-Money Laundering Officer and Counter
Pencegahan Pendanaan Terorisme (Anti Money Terrorism Financing (AMLO-CTF) Working Unit
Laundering and Counter Terrorism Financing, carries out activities, including:
AMLO-CTF) melakukan kegiatan, antara lain: a. Periodically analyze the risk assessment of
a. Menganalisis secara berkala penilaian money laundering crimes and/or terrorist
risiko tindak pidana pencucian uang dan/ financing crimes related to customers,
atau tindak pidana pendanaan terorisme countries or geographic areas, products,
terkait dengan nasabah, negara atau area services, transactions, or distribution
geografis, produk, jasa, transaksi atau networks;
jaringan distribusi (delivery channels);
b. Memastikan bahwa telah terdapat b. Ensure that there are policies and
kebijakan dan prosedur terkait penerapan procedures related to the implementation
program APU dan PPT untuk mengelola of AML and CTF programs to manage and
dan memitigasi risiko, menilai dan mitigate risks, assess and evaluate their
mengevaluasi efektivitas, kecukupan dan effectiveness, adequacy, and suitability, as
kesesuaian serta melakukan kajian dan/atau well as conduct studies and/or recommend
merekomendasikan pembaharuan dan updates and improvements to policies,
penyempurnaan kebijakan, sistem maupun systems, and procedures owned by the
prosedur yang dimiliki oleh Bank dengan Bank in accordance with applicable laws
peraturan perundang-undangan yang and regulations, including making efforts to
berlaku termasuk melakukan upaya-upaya ensure that the Bank’s policies, systems, and
untuk memastikan bahwa kebijakan, sistem procedures, as well as business activities,
dan prosedur, serta kegiatan usaha Bank are in accordance with applicable laws and
telah sesuai dengan peraturan perundang- regulations;
undangan yang berlaku;
c. Memastikan bahwa telah terdapat sistem c. Ensure that there is a system that can identify,
yang dapat mengidentifikasi, menganalisis, analyze, monitor, and provide reports
memantau, dan menyediakan laporan effectively regarding the characteristics of
secara efektif mengenai karakteristik transactions carried out by customers;
transaksi yang dilakukan oleh nasabah; d. Ensure that forms relating to customers
d. Memastikan bahwa formulir yang berkaitan accommodate the data required to
dengan nasabah telah mengakomodasi implement the AML and CTF programs;
data yang diperlukan dalam penerapan
program APU dan PPT; e. Ensure that there is a mechanism related
e. Memastikan bahwa telah terdapat to the process of monitoring customer
mekanisme terkait proses pemantauan accounts and the implementation of
rekening nasabah dan pelaksanaan transaksi customer transactions;
nasabah;
f. Melakukan evaluasi dan memastikan bahwa f. Evaluate and ensure that mechanisms have
telah dilakukan mekanisme terkait analisis, been implemented related to the analysis,
penyusunan, dan pemantauan atas laporan preparation, and monitoring of suspicious
transaksi keuangan mencurigakan, laporan financial transaction reports, cash financial
transaksi keuangan tunai, laporan transaksi transaction reports, financial transaction
keuangan transfer dana dari dan ke luar reports on fund transfers from and to
negeri, dan/atau laporan terkait lainnya overseas, and/or other related reports, and
serta memastikan bahwa telah dilakukan ensure that administration has been carried
penatausahaan atas hasil pemantauan dan out on the results of the monitoring and
evaluasi dimaksud; evaluation in question;
g. Memastikan bahwa kegiatan usaha yang g. Ensure that business activities that have a
berisiko tinggi terhadap tindak pidana high risk of money laundering and/or terrorist
pencucian uang dan/atau tindak pidana financing crimes have been identified
pendanaan terorisme telah diidentifikasi effectively in accordance with Bank policies
secara efektif sesuai dengan kebijakan dan and procedures, as well as provisions from
prosedur Bank, serta ketentuan dari Otoritas the Financial Services Authority and related
Jasa Keuangan dan pihak regulator terkait; regulatory authorities;
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h. Memastikan adanya mekanisme komunikasi h. Ensure that there is a good communication
yang baik dari setiap satuan kerja terkait mechanism from each related work unit to
kepada unit kerja khusus atau pejabat yang the special work unit or official responsible
bertanggung jawab terhadap penerapan for implementing the AML and CTF
program APU dan PPT dengan menjaga programs by maintaining the confidentiality
kerahasiaan informasi dan memperhatikan of information and paying attention to anti-
ketentuan anti tipping-off; tipping-off provisions;
i. Memastikan bahwa telah dilakukannya i. Ensure that supervision has been carried out
pengawasan terkait penerapan program regarding the implementation of the AML
APU dan PPT terhadap satuan kerja terkait; and CTF program for related work units;
j. Memastikan adanya identifikasi area j. Ensure the identification of high risk areas
yang berisiko tinggi yang terkait dengan related to the implementation of the AML
penerapan program APU dan PPT dengan and CTF program by referring to statutory
mengacu pada ketentuan peraturan provisions and adequate information
perundang-undangan dan sumber sources;
informasi yang memadai;
k. Memastikan pembaharuan data dan profil k. Ensure updating of customer data and
nasabah serta data dan profil transaksi profiles as well as customer transaction data
nasabah; and profiles;
l. Memantau, menganalisis, dan l. Monitor, analyze and recommend training
merekomendasikan kebutuhan pelatihan needs regarding the implementation of AML
tentang penerapan program APU dan PPT and CTF programs for Hana Bank officials
bagi pejabat dan/atau karyawan Bank Hana; and/or employees;
m. Memastikan seluruh kegiatan dalam rangka m. Ensure that all activities in the context of
penerapan program APU dan PPT terlaksana implementing the AML and CTF program are
dengan baik dan selaras dengan ketentuan carried out well and in line with regulatory
regulator; provisions;
n. Memastikan kegiatan strategi anti n. Ensure that anti-bribery strategy activities
penyuapan terlaksana dengan baik serta are carried out well and are followed by
diikuti pengawasan yang menyeluruh di comprehensive supervision in each relevant
setiap divisi/departemen terkait dan sesuai division/department and in accordance with
dengan aturan yang berlaku; applicable regulations;
o. Memastikan penatausahaan dokumen yang o. Ensure the administration of documents
terkait dengan APU PPT sesuai dengan related to AML CTF in accordance with
ketentuan; provisions;
p. Melakukan kunjungan cabang dan/atau p. Conduct branch visits and/or assessments
assessment atas penerapan kebijakan dan of the implementation of applicable policies
prosedur yang berlaku guna memastikan and procedures to ensure implementation is
implementasinya sesuai dengan kebijakan in accordance with the established policies
dan prosedur yang telah ditetapkan; serta and procedures; and
q. Memberikan pelatihan terkait APU PPT q. Providing training related to AML CTF
PPSM Sanksi guna meningkatkan risk CPFWMD Sanctions to increase risk
awareness dan pemahaman terkait konsep awareness and understanding regarding the
APU PPT PPSM Sanksi. concept of AML CTF CPFWMD Sanctions.
Pelaksanaan fungsi kepatuhan Bank dilaksanakan The implementation of the Bank’s compliance
oleh SKK yang dipimpin oleh Compliance Division function is carried out by SKK, led by the Compliance
Head. SKK bertugas untuk terus menumbuhkan Division Head. SKK is tasked with continuing to
dan menjaga pelaksanaan budaya kepatuhan grow and maintain the implementation of a culture
dalam setiap kegiatan usaha Bank Hana, termasuk of compliance in every Hana Bank business activity,
pada semua tingkatan organisasi. Tugas dan including at all levels of the organization. Duties
tanggung jawab terkait fungsi kepatuhan, antara and responsibilities related to the compliance
lain: function include the following:
1. Mewujudkan terlaksananya budaya kepatuhan 1. Realizing the implementation of a culture of
dalam setiap kegiatan usaha Bank dan pada compliance in every Bank business activity and
semua tingkatan organisasi; at all levels of the organization;
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2. Memastikan kepatuhan Bank Hana terhadap 2. Ensure hana Bank’s compliance with
komitmen yang dibuat oleh Bank kepada commitments made by the Bank to the
Otoritas Jasa Keuangan/Bank Indonesia dan/ Financial Services Authority/Bank Indonesia,
atau otoritas pengawas lain yang berwenang; and/or other competent supervisory authorities;
3. Melakukan kajian terhadap kebijakan dan 3. Review the Bank’s policies and procedures so
prosedur Bank agar kebijakan, sistem dan that the policies, systems, and procedures, as
prosedur serta kegiatan usaha yang dilakukan well as business activities carried out by the
oleh Bank telah sesuai dengan ketentuan Bank are in accordance with the provisions of
Otoritas Jasa Keuangan/Bank Indonesia dan the Financial Services Authority/Bank Indonesia
peraturan perundangan yang berlaku; and applicable laws and regulations;
4. Melakukan peninjauan terhadap proposal 4. Review loan proposals with a certain nominal
kredit dengan nominal tertentu; value;
5. Memastikan kewajiban pelaporan kepada 5. Ensure that reporting obligations to regulators
regulator telah dilaksanakan dengan baik; have been carried out properly;
6. Mengelola risiko kepatuhan yang dihadapi oleh 6. Manage compliance risks faced by the Bank;
Bank;
7. Bertindak sebagai liaison officer dalam 7. Act as a liaison officer in relation to the
hubungannya dengan otoritas pengawas; supervisory authority;
8. Melakukan upaya sosialisasi ketentuan baru/ 8. Make efforts to disseminate new/changed
perubahan, baik secara langsung maupun provisions, both directly and indirectly
tidak langsung (compliance awareness (compliance awareness program), in order
program), dalam rangka memberikan pelatihan to provide training and measure the level
maupun mengukur tingkat pemahaman atau/ of understanding or/implementation of
implementasi kepatuhan yang merupakan compliance, which is an effort to improve and
upaya untuk meningkatkan dan membangun build a culture of compliance.
budaya kepatuhan.
Satuan Kerja Anti Pencucian Uang dan Pencegahan The Anti-Money Laundering Officer and Counter
Pendanaan Terorisme (Anti Money Laundering Terrorism Financing (AMLO-CTF) Work Unit is
Officer and Counter Terrorism Financing, AMLO- led by the AMLO-CTF Division Head. AMLO-CTF
CTF) dipimpin oleh AMLO-CTF Divison Head. and SKK are work units that report directly to the
AMLO-CTF dan SKK merupakan satuan kerja yang Compliance Director.
bertanggung jawab langsung kepada Direktur
Kepatuhan.
Profil, pendidikan dan/atau pelatihan Compliance The profiles, education, and/or training of
Division Head, Tjetjen Saputra, dan AMLO-CTF Compliance Division Head Tjetjen Saputra and
Divison Head, Anthoneus Ismojo Djati, telah AMLO-CTF Division Head Anthoneus Ismojo Djati
dicantumkan pada Lampiran I Tabel Profil, have been included in Appendix I Table of Profiles,
Pendidikan dan/atau Pelatihan Pengurus, Anggota Education, and/or Training of Management,
Independen dan Pejabat Bank. Independent Members, and Bank Officials.
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Fungsi Audit Internal
Internal Audit Function
Fungsi audit intern Bank Hana dilakukan oleh The internal audit function of Bank Hana is carried
Satuan Kerja Audit Intern (SKAI) yang merupakan out by the Internal Audit Unit (SKAI), which is an
unit kerja yang independen dan bertanggung independent unit directly accountable to the
jawab langsung kepada Direktur Utama. SKAI President Director. SKAI is led by a Head of SKAI
dipimpin oleh seorang Kepala SKAI yang diangkat appointed and dismissed by the President Director
dan diberhentikan oleh Direktur Utama setelah with the approval of the Board of Commissioners,
mendapatkan persetujuan dari Dewan Komisaris considering the recommendations of the Audit
dengan mempertimbangkan rekomendasi Komite Committee.
Audit.
Per 31 Desember 2023, SKAI dipimpin oleh Kepala As of December 31, 2023, SKAI is led by the Head of
SKAI yang diangkat dan ditetapkan berdasarkan SKAI appointed and designated based on Decree
Surat Keputusan No. 32/162/DIR/SK tanggal 23 No. 32/162/DIR/SK dated December 23, 2020,
Desember 2020, yang berlaku efektif pada tanggal effective from January 1, 2021, and reported to the
1 Januari 2021 dan telah dilaporkan kepada Otoritas Financial Services Authority on January 12, 2021.
Jasa Keuangan pada tanggal 12 Januari 2021.
Profil Audit Internal
Internal Audit Profile
Mifta Chul Chaq Mahfoed
Kepala SKAI | Head of SKAI
Warga Negara Indonesia
Nationality
Domisili Indonesia
Domicile
Usia 45 Tahun | years
Age
Riwayat Pendidikan - S-1 Akuntansi dari Universitas Trisakti 2001
Educational Background - Graduate Diploma in Commerce dari University of Auckland 2004
- Graduate Diploma in Business dari Auckland University of Technology 2006
- Bachelor of Accounting from the University of Trisakti 2001
- Graduate Diploma in Commerce from the University of Auckland 2004
- Graduate Diploma in Business from the Auckland University of Technology
2006
Dasar Hukum Pengangkatan Pertama kali menjabat sebagai Kepala SKAI berdasarkan Surat Keputusan No.
Legal Basis of Appointment 32/162/DIR/SK tanggal 23 Desember 2021.
Serving as the Head of SKAI for the first time based on Decree No. 32/162/DIR/SK
dated December 23, 2021.
Pengalaman Kerja - Operational Risk Analyst, Bank Commonwealth Indonesia, 2008 – 2012
Work Experience - Operational Risk Assurance Specialist, Bank Commonwealth Indonesia,
2012 - 2015
- Audit Strategy & Planning Head, Bank Maybank Indonesia, 2015 – 2017
- Head, Head Office & Support Function Audit, Bank Maybank Indonesia,
2018 - 2019
- Internal Audit Department Head, Bank Hana, 2019 – 2021
- Head of Internal Audit, Bank Hana, 2021 - Present
Rangkap Jabatan N/A
Concurrent Position
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan Direksi, Dewan Komisaris dan
Affiliate Relationship Pemegang Saham Pengendali.
Does not have affiliate relationship with the Board of Directors, Board of
Commissioners and Controlling Shareholders.
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Pedoman dan Tata Tertib Kerja SKAI SKAI Charter
Dalam pelaksanaannya, SKAI melakukan fungsi In practice, SKAI carries out supervisory functions
pengawasan melalui pemeriksaan on-site maupun through on-site and off-site inspections, with the
off-site dengan cakupan tugas sesuai dengan scope of tasks in accordance with the audit plan.
rencana audit. Aktivitas audit dilakukan secara Audit activities are carried out objectively and
obyektif dan profesional tanpa tekanan dari professionally, without pressure from Management
Manajemen maupun pihak lain yang memiliki or other parties who have an interest in Hana Bank.
kepentingan dengan Bank Hana. Laporan atas Reports on the results of the implementation of
hasil dari pelaksanaan tugas audit, disampaikan audit duties are submitted to the President Director,
kepada Direktur Utama dan Dewan Komisaris, and the Board of Commissioners, with copies
dengan menyampaikan salinannya kepada Komite submitted to the Audit Committee, Compliance
Audit, Direktur Kepatuhan, Direktur bidang terkait, Director, Directors of related fields, and Heads of
dan Pimpinan Unit Kerja terkait. related Work Units.
Dalam menjalankan fungsi audit intern, SKAI In carrying out the internal audit function, SKAI
mengacu pada Standar Profesional Audit Intern refers to the applicable Internal Audit Professional
(SPAI) yang berlaku antara lain Peraturan Otoritas Standards (SPAI), including Financial Services
Jasa Keuangan No. 1/POJK.03/2019 tentang Authority Regulation No. 1/POJK.03/2019 concerning
Penerapan Fungsi Audit Intern Pada Bank Umum, Implementation of the Internal Audit Function in
Piagam Audit Intern, Kebijakan Audit Intern, Commercial Banks, Internal Audit Charter, Internal
Pedoman Audit Intern, serta Kebijakan dan Audit Policy, Internal Audit Guidelines, and Internal
Prosedur Quality Assurance Internal Audit. Bank Audit Quality Assurance Policies and Procedures.
telah memiliki Piagam Audit Intern yang ditinjau The Bank has an Internal Audit Charter which is
dan diperbaharui secara berkala. Piagam tersebut reviewed and updated regularly. The charter is a
merupakan pernyataan formal yang menegaskan formal statement that confirms the mission and
mengenai misi dan ruang lingkup, kedudukan dan scope, position and independence, accountability,
independensi, akuntabilitas, wewenang, tanggung authority, responsibility, qualifications, and code of
jawab, kualifikasi, dan kode etik auditor intern Bank. ethics of the Bank’s internal auditors.
Tugas dan Tanggung Jawab SKAI SKAI Duties and Responsibilities
Sesuai dengan Piagam Audit Intern, tugas dan In accordance with the Internal Audit Charter,
tanggung jawab SKAI antara lain: SKAI’s duties and responsibilities include:
1. Menyusun rencana audit tahunan dan alokasi 1. Prepare an annual audit plan and budget
anggaran untuk pelaksanaan fungsi audit allocation for implementing the internal audit
intern. Perencanaan audit tahunan disusun function. Annual audit planning is prepared
berdasarkan pendekatan berbasis risiko yang based on a risk-based approach that includes
mencakup kebijakan, proses, dan penerapan policies, processes, and implementation of
tata kelola sesuai dengan ketentuan peraturan governance in accordance with the provisions
perundang-undangan terkait; manajemen of relevant laws and regulations pertaining to
risiko; kecukupan permodalan; kecukupan risk management, capital adequacy, sufficient
likuiditas; pelaporan intern; kepatuhan liquidity, internal reporting, compliance with
terhadap peraturan perundang-undangan; dan laws and regulations, and finance;
keuangan;
2. Melaksanakan rencana audit tahunan yang 2. Carry out the approved annual audit plan,
telah disetujui, termasuk melaksanakan including carrying out special assignments at
penugasan khusus atas permintaan Direktur the request of the President Director, and the
Utama dan Dewan Komisaris; Board of Commissioners;
3. Membuat laporan hasil audit dan 3. Prepare an audit report and submit it to the
menyampaikan kepada Direktur Utama atau President Director, or Board of Commissioners
Dewan Komisaris dengan tembusan kepada with a copy to the Audit Committee, Compliance
Komite Audit, Direktur Kepatuhan, Direktur Director, Director of related fields, and Head of
bidang terkait, dan Pimpinan Unit Kerja terkait; related Work Units;
4. Melakukan pemantauan dan evaluasi tindakan 4. Monitor and evaluate corrective actions for
perbaikan atas temuan yang signifikan dan significant findings and submit reports to the
menyampaikan laporan kepada Direksi dan Board of Directors and Board of Commissioners,
Dewan Komisaris dengan tembusan kepada with a copy to the Compliance Director;
Direktur Kepatuhan;
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5. Menentukan strategi pelaksanaan audit intern 5. Determine the strategy for implementing
perusahaan anak dan merumuskan prinsip- internal audits of subsidiary companies and
prinsip audit intern yang mencakup metodologi formulate internal audit principles, which
internal audit dan pengendalian mutu; include internal audit methodology and quality
control;
6. Menyusun dan menyampaikan laporan kepada 6. Prepare and submit reports to the Financial
Otoritas Jasa Keuangan/Bank Indonesia: Services Authority/Bank Indonesia:
a. Laporan pelaksanaan dan pokok-pokok hasil a. Implementation report and key points of
audit; audit results;
b. Laporan khusus atas temuan audit yang b. Special report on audit findings that are
diperkirakan dapat membahayakan expected to endanger the Bank’s business
kelangsungan usaha Bank; dan continuity; and
c. Laporan hasil kaji ulang pihak ekstern c. Report on the results of the review by
independen yang mencakup pendapat an independent external party, which
tentang hasil kerja SKAI, kepatuhan terhadap includes opinions regarding SKAI’s work
Standar Profesional Audit Intern, penilaian results, compliance with Internal Audit
terhadap aktivitas SKAI dalam melakukan Professional Standards, assessment of SKAI’s
evaluasi sistem pengendalian intern, activities in evaluating the internal control
kesesuaian metodologi atau sistem SKAI system, suitability of SKAI’s methodology
dengan kondisi terkini dan kompleksitas or system to current conditions and the
usaha Bank, serta rekomendasi perbaikan complexity of the Bank’s business, as well
untuk kualitas internal audit yang lebih baik; as recommendations for improvements for
better internal audit quality;
7. Menjaga profesionalisme auditor intern melalui 7. Maintain the professionalism of internal
program pendidikan berkelanjutan, seperti auditors through continuing education
program pelatihan dan sertifikasi untuk programs, such as training and certification
melengkapi pengetahuan dan keterampilan programs, to complement the knowledge and
auditor intern yang sesuai dengan kompleksitas skills of internal auditors in accordance with
dan usaha kegiatan Bank Hana; the complexity and business of Hana Bank’s
activities;
8. Membuat program pengendalian mutu (quality 8. Create a quality assurance program to evaluate
assurance program) untuk mengevaluasi dan and guarantee the quality of internal audit
menjamin mutu kegiatan operasional audit operational activities;
intern;
9. Mengembangkan metodologi audit secara 9. Develop audit methodology on an ongoing
berkesinambungan untuk meningkatkan basis to improve the efficiency and effectiveness
efisiensi dan efektivitas kinerja audit; of audit performance;
10. Menyusun dan mengkaji Piagam Audit Intern; 10. Prepare and review the Internal Audit Charter;
serta and
11. Dapat berperan sebagai konsultan bagi 11. Capable of acting as a consultant for Hana Bank,
Bank Hana, antara lain dengan memberikan including by providing responses to proposed
tanggapan atas usulan kebijakan, sistem, policies, systems, and procedures to ensure the
dan prosedur untuk memastikan kecukupan adequacy of internal control.
pengendalian intern.
Struktur dan Kedudukan Audit Internal dalam Structure and Position of Internal Audit in the
Struktur Perusahaan Company Structure
Per 31 Desember 2023, SKAI memiliki anggota As of December 31, 2023, SKAI had 17 members,
sebanyak 17 orang, yang terdiri dari 1 orang Kepala consisting of 1 Head of SKAI, 4 Heads of Departments/
SKAI, 4 orang Kepala Departemen/Koordinator, Coordinators, 5 auditors in the operational and
5 orang auditor bidang operasional dan kantor head office sectors, 2 auditors in the credit sector,
pusat, 2 orang auditor bidang perkreditan, 2 orang 2 auditors in the information technology sector,
auditor bidang teknologi informasi, dan 3 orang and 3 people with support functions in the quality
fungsi pendukung pada unit quality assurance and assurance and regular monitoring unit. With this
regular monitoring. Dengan formasi tersebut, maka formation, the number of members in the SKAI
jumlah anggota di organisasi SKAI telah terpenuhi. organization has been fulfilled.
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Presiden Direktur
President Director
Head of Internal Audit
Operation and Quality Assurance and
Technology Audit Credit Audit
Head Office Audit Regular Monitoring
SKAI dengan dukungan dari Manajemen, SKAI, with the support of Management, remains
terus berkomitmen untuk meningkatkan committed to improving and developing auditors’
dan mengembangkan kemampuan auditor technical and soft skills through training. In
secara teknis dan soft skill melalui pelatihan. conjunction with the gradual easing of the
Sehubungan pelonggaran secara bertahap atas government’s policy of limiting community
kebijakan pembatasan aktivitas masyarakat oleh activities as a result of the COVID-19 pandemic,
pemerintah sebagai dampak pandemi Covid-19, the Bank implements training activities, both
maka pelaksanaan kegiatan pelatihan baik yang internal and external, online/virtually or face-to-
diselenggarakan oleh internal maupun eksternal face by implementing health protocols. Internal
Bank, dilakukan secara online/virtual maupun competency development for auditors is also
tatap muka dengan menjalankan protokol carried out using the e-smart online application.
kesehatan. Pengembangan kompetensi auditor
juga dilakukan secara internal melalui aplikasi
online e-smart.
Kualifikasi dan Sertifikasi
Qualifications and Certifications
Sertifikasi Profesi Jumlah Karyawan Pemilik Sertifikat
Professional Certification Number of Employees Who Owned Certificates
Sertifikasi Manajemen Risiko 17
Qualified Internal Auditor 8
Certified Ethical Hacking 1
Pelaksanaan Tugas dan Tanggung Jawab SKAI Implementation of SKAI Duties and
Responsibilities
Di tahun 2023, SKAI melaksanakan aktivitas audit In 2023, SKAI carried out banking audit activities,
perbankan, baik yang berhubungan dengan both related to operational activities, credit
aktivitas operasional, aktivitas kredit, TI, maupun activities, IT, and functional activities at the head
aktivitas fungsional di kantor pusat. Penentuan office. The determination of the priority scale for
skala prioritas obyek audit dilaksanakan audit objects is carried out based on a risk-based
berdasarkan pendekatan berbasis risiko, dengan approach, taking into account the adequacy of
mempertimbangkan kecukupan sumber daya existing human resources in SKAI. Apart from
manusia yang ada di SKAI. Di luar pemeriksaan annual audits, under certain conditions, ad-hoc/
tahunan, dalam kondisi tertentu, penugasan audit special audit assignments can be carried out
ad-hoc/audit khusus dapat dilaksanakan sesuai according to management’s direction, taking into
arahan manajemen, dengan mempertimbangkan account potential risks that may affect the Bank’s
potensi risiko yang kemungkinan dapat business activities.
memengaruhi kegiatan usaha Bank.
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Rencana Audit Tahun (RAT) 2023 disusun The 2023 Audit Plan (RAT) is prepared based on a
berdasarkan pendekatan berbasis risiko dengan risk-based approach by considering, among other
mempertimbangkan, antara lain profil risiko, things, risk profile, financial performance, previous
kinerja keuangan, hasil audit periode sebelumnya, period audit results, as well as recommendations
serta rekomendasi hasil pemeriksaan oleh Otoritas from audit results by the Financial Services Authority.
Jasa Keuangan. Di samping itu, perencanaan audit In addition, audit planning is also prepared, taking
juga disusun dengan mempertimbangkan arahan/ into account directions/requests from the Board of
permintaan dari Direksi dan Dewan Komisaris. Directors and Board of Commissioners. The audit
Rencana audit beserta alokasi anggaran disetujui plan and budget allocation are approved by the
oleh Direktur Utama dan Dewan Komisaris, President Director and Board of Commissioners,
dengan mempertimbangkan rekomendasi Komite taking into account the recommendations of the
Audit. Rencana audit akan dikaji ulang secara Audit Committee. The audit plan will be reviewed
berkesinambungan dengan memperhatikan continuously, taking into account business
kondisi usaha dan tingkat risiko yang dihadapi oleh conditions and the level of risk faced by the Bank.
Bank.
Berdasarkan RAT 2023, terdapat 69 (enam puluh Based on the 2023 RAT, there were 69 (sixty-nine)
sembilan) rencana aktivitas pemeriksaan audit, planned audit activities, consisting of 10 (ten)
yang terdiri dari 10 (sepuluh) pemeriksaan audit head office audit examinations, 13 (thirteen) audit
kantor pusat, 13 (tiga belas) pemeriksaan audit examinations in the credit sector, 24 (twenty
bidang perkreditan, 24 (dua puluh empat) four) audit examinations in the operational and
pemeriksaan audit bidang operasional dan servis, service sectors, 6 (six) audit examinations in
6 (enam) pemeriksaan audit bidang teknologi the information technology sector, 11 (eleven)
informasi, 11 (sebelas) pemeriksaan audit mandatory mandatory audit examinations by regulators, 2
- regulator, 2 (dua) pemeriksaan audit atas arahan/ (two) audit examinations at the direction/request of
permintaan Manajemen, dan 3 (tiga) pemeriksaan Management, and 3 (three) ad-hoc examinations.
ad-hoc.
Rapat SKAI SKAI Meeting
Sepanjang tahun 2023, telah mengadakan rapat Throughout 2023, SKAI has held meetings 13 times.
sebanyak 13 kali. Rinciannya diuraikan melalui tabel The details are outlined in the table below:
di bawah ini.
Rapat dengan:
Meeting with:
Direksi Dewan Komisaris Komite Audit
Board of Directors Board of Commissioner Audit Committee
Jumlah Rapat
3 2 8
Number of Meetings
Pelatihan dan Pengembangan Kompetensi Training and Competency Development
Rincian pengembangan kompetensi yang diikuti Throughout 2023, details of the competency
oleh SKAI sepanjang tahun 2023 adalah sebagai development that SKAI participated in are as
berikut: follows:
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Nama Pelatihan Jumlah Peserta Penyelenggara Waktu Pelaksanaan
No.
Training Total Participant Organizer Date
1. Anti Pencucian Uang (APU) & 16 Bank Hana Indonesia Juni & September
Pencegahan Pendanaan Terorisme 2023
(PPT)
Anti Money Laundering (AML) &
Counter-Terrorist Financing (CTF)
2. Sistem Manajemen Keamanan 9 Robere & Associates Maret & April 2023
Informasi - ISO/IEC 27001
Information Security Management
System - ISO/IEC 27001
3. Talent Program 2023 - Coaching 1 Bank Hana Indonesia Januari 2023
Program: Talent Sharing Session (In house/ Helmy Yahya)
4. Talent Program 2023 - Coaching 1 Bank Hana Indonesia April 2023
Program: Talent Sharing Session (In house/ Dharma
Simorangkir)
5. Talent Program 2023 - Training 1 Bank Hana Indonesia Januari 2023
Program for Senior Talent: (In house/ Coaching
Coaching Skills Indonesia)
6. Talent Program 2023 - Training 1 Bank Hana Indonesia Februari 2023
Program for Senior Talent: (In house/ PT.
Negotiation Skills NalarPrima Lentera
Indonesia)
7. Enhancement New Credit Policy & 2 Bank Hana Indonesia Februari 2023
System Skill Training
8. Peran Audit Intern Masa Depan 3 Ikatan Auditor Intern Juli 2023
dalam Industri Jasa Keuangan Bank (IAIB)
9. Refresher Program Sertifikasi 8 Bank Hana Indonesia Agustus &
Manajemen Risiko Desember 2023
10. 2023 IIA Indonesia National 2 Institute of Internal Agustus 2023
Conference Auditors (IIA) Indonesia
11. Integrity & Morality Program 3 Bank Hana Indonesia Oktober 2023
12. Audit Report Writing 16 Bank Hana Indonesia Oktober 2023
13. Self-Leadership to Develop 2 Bank Hana Indonesia November 2023
Personal Capability
14. Training Strengthening 3 Bank Hana Indonesia November 2023
Capabilities in Credit Policy
PENERAPAN SISTEM PENGENDALIAN IMPLEMENTATION OF INTERNAL
INTERNAL CONTROL SYSTEMS
Sistem pengendalian internal menjadi salah The internal control system is an important aspect
satu aspek yang penting dalam menciptakan of creating healthy and safe bank management.
pengelolaan Bank yang sehat dan aman. Sistem The internal control system also functions to prevent
pengendalian internal juga berfungsi untuk and reduce risks, as well as maintain the Bank’s
mencegah dan mengurangi terjadinya risiko, serta compliance with applicable laws and regulations.
menjaga kepatuhan Bank sesuai dengan peraturan
perundang-undangan yang berlaku.
Sistem pengendalian internal Bank Hana dibentuk Hana Bank’s internal control system was established
dengan tujuan untuk: with the aim of:
1. Menjaga dan mengamankan aset Bank; 1. Maintain and secure Bank assets;
2. Menjamin tersedianya pelaporan keuangan dan 2. Ensure the availability of accurate and reliable
manajerial yang akurat dan dapat dipercaya; financial and managerial reporting;
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3. Meningkatkan kepatuhan Bank terhadap 3. Increase the Bank’s compliance with applicable
ketentuan dan peraturan perundang- laws and regulations;
undangan yang berlaku;
4. Mengurangi dampak keuangan atau dampak 4. Reduce the financial impact or impact of losses,
kerugian, penyimpangan, termasuk fraud, dan irregularities, including fraud, and violations of
pelanggaran aspek kehati-hatian; serta prudential aspects; and
5. Meningkatkan efektivitas organisasi dan 5. Increase organizational effectiveness and cost
efisiensi biaya. efficiency.
Penerapan sistem pengendalian internal pada Bank The implementation of the internal control system
Hana berpedoman pada Surat Edaran Otoritas Jasa at Hana Bank is guided by the Financial Services
Keuangan No. 35/SEOJK.03/2017 tentang Pedoman Authority Circular Letter No. 35/SEOJK.03/2017
Standar Sistem Pengendalian Internal bagi Bank concerning Standard Guidelines for Internal Control
Umum, yang kemudian disesuaikan dengan Systems for Commercial Banks, which are then
struktur organisasi Bank yang masih terus tumbuh. adapted to the Bank’s organizational structure,
Bank berkomitmen untuk melaksanakan sistem which is still growing. The Bank is committed to
pengendalian internal yang efektif, komprehensif, implementing an effective, comprehensive, and
dan berkesinambungan. sustainable internal control system.
Bank Hana juga terus berupaya untuk melakukan Hana Bank also continues to strive to develop its
pengembangan sistem pengendalian internal internal control system through several strategies,
melalui beberapa strategi, antara lain: including:
1. Mengembangkan kerangka kerja sistem 1. Develop an internal control system framework
pengendalian internal yang dapat dijadikan that can be used as a guide for each employee
pedoman bagi setiap karyawan dalam in implementing the internal control system
menerapkan sistem pengendalian internal in accordance with their respective duties and
sesuai dengan tugas dan tanggung jawab responsibilities;
masing-masing;
2. Melakukan pengendalian dan pemindahan 2. Control and transfer functions at all functional
fungsi pada seluruh tingkatan fungsional, levels, in accordance with the Bank’s
sesuai struktur organisasi Bank; serta organizational structure; and
3. Menyelenggarakan sistem akuntansi, informasi, 3. Organize risk management accounting,
dan komunikasi manajemen risiko sesuai information, and communication systems
ketentuan dan perundang-undangan yang in accordance with applicable regulations
berlaku sehingga Bank mampu memfasilitasi and legislation, allowing the Bank to
pelaksanaan proses manajemen risiko yang adequately facilitate the implementation of a
komprehensif secara memadai. comprehensive risk management process.
Sistem pengendalian intern dalam penerapan The internal control system for implementing risk
manajemen risiko sekurang-kurangnya mencakup: management at least includes:
1. Kesesuaian antara sistem pengendalian intern 1. Compliance between the internal control
dengan jenis dan tingkat risiko yang melekat system and the type and level of risk inherent in
pada kegiatan usaha. business activities.
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2. Penetapan wewenang dan tanggung jawab 2. Determination of authority and responsibility
untuk pemantauan kepatuhan kebijakan, for monitoring compliance with policies,
prosedur dan limit procedures, and limits
3. Penetapan jalur pelaporan dan pemisahan 3. Establishment of reporting lines and clear
fungsi yang jelas dari satuan kerja operasional separation of functions from operational
dengan satuan kerja yang melaksanakan fungsi work units to work units that carry out control
pengendalian. functions.
4. Struktur organisasi yang menggambarkan 4. Organizational structure that clearly describes
secara jelas kegiatan usaha. business activities.
5. Pelaporan keuangan dan kegiatan operasional 5. Accurate and timely reporting of financial and
yang akurat dan tepat waktu. operational activities.
6. Kecukupan prosedur untuk memastikan 6. Adequacy of procedures to ensure compliance
kepatuhan terhadap ketentuan dan perundang- with applicable laws and regulations;
undangan yang berlaku;
7. Pengkajian ulang yang efektif, independen dan 7. Effective, independent, and objective review of
objektif terhadap prosedur penilaian kegiatan operational activity assessment procedures.
operasional.
8. Pengujian dan pengkajian ulang yang memadai 8. Adequate testing and review of the risk
terhadap sistem informasi manajemen risiko. management information system. The
Dokumentasi hasil Audit secara lengkap documentation of audit results is complete
dan memadai terhadap cakupan, prosedur- and adequate regarding scope, operational
prosedur operasional, temuan audit, serta procedures, audit findings, and management
tanggapan manajemen. responses.
9. Verifikasi dan pengkajian ulang secara berkala 9. Periodic and continuous verification and review
dan berkesinambungan terhadap penanganan of the handling of material weaknesses and
kelemahan-kelemahan yang bersifat material Management actions to correct deviations that
dan tindakan Manajemen untuk memperbaiki occur.
penyimpangan yang terjadi.
Kesesuaian Pengendalian Internal dengan Conformity of Internal Control with the
Surat Edaran Otoritas Jasa Keuangan dan Financial Services Authority Circular Letter
Basel Committee Internal Control Framework and the Basel Committee Internal Control
Framework
Kegiatan pengendalian internal di Bank diterapkan Internal control activities at the Bank are
dengan berpedoman pada Surat Edaran Otoritas implemented based on Financial Services Authority
Jasa Keuangan No. 35/SEOJK.03/2017 tentang Circular Letter No. 35/SEOJK.03/2017 concerning
Pedoman Standar Sistem Pengendalian Internal Standard Guidelines for Internal Control Systems
bagi Bank Umum dan Basel Committee Internal for Commercial Banks and the Basel Committee
Control Framework. Internal Control Framework.
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Ruang Lingkup Pengendalian Internal
Scope of Internal Control
Pengawasan oleh 1. Tugas dan tanggung jawab Dewan Komisaris terkait sistem pengendalian
Manajemen dan Budaya internal, di antaranya:
Pengendalian a. Melakukan pengawasan terhadap pelaksanaan internal secara umum,
Supervision by termasuk kebijakan Direksi yang menerapkan pengendalian internal;
Management and b. Memastikan adanya perbaikan terhadap permasalahan Bank yang dapat
Control Culture mengurangi efektivitas sistem pengendalian internal; serta
c. Melakukan review secara berkala atas pelaksanaan pengendalian internal dan
validasi strategi Bank terhadap pengendalian internal yang ditetapkan.
2. Tugas dan tanggung jawab Direksi terkait sistem pengendalian internal, antara
lain:
a. Menciptakan dan memelihara sistem pengendalian internal yang kuat dan
efektif;
b. Memastikan sistem berjalan secara aman dan andal, sesuai tujuan
pengendalian internal yang ditetapkan Bank;
c. Menetapkan kebijakan dan strategi, prosedur pengendalian internal, serta
memantau kecukupan dan efektivitas sistem pengendalian internal; dan
d. Direktur yang membawahi fungsi kepatuhan wajib berperan aktif untuk
mencegah adanya penyimpangan yang dilakukan oleh manajemen dalam
menetapkan kebijakan dengan berlandaskan pada prinsip kehati-hatian.
Pengawasan aktif Dewan Komisaris dan Direksi dijalankan melalui penetapan dan
pelaksanaan strategi bisnis, pengembangan dan penerapan manajemen risiko,
penyusunan organisasi dan pendelegasian wewenang dengan akuntabilitas yang
jelas, pengembangan kebijakan pengendalian internal, serta pemantauan terhadap
kecukupan dan efektivitas sistem pengendalian internal yang telah ditetapkan.
Dewan Komisaris dan Direksi berkepentingan untuk memastikan pengembangan
lingkungan kerja Bank dikendalikan dengan baik. Terkait hal ini, Dewan Komisaris
dan Direksi berupaya meningkatkan etika kerja dan integritas yang tinggi serta
menciptakan budaya organisasi yang dapat memberikan pemahaman bagi seluruh
karyawan mengenai pentingnya pengendalian internal yang berlaku di Bank.
1. Duties and responsibilities of the Board of Commissioners regarding the internal
control system, including:
a. Supervise internal implementation in general, including the Board of Directors'
policies in implementing internal control;
b. Ensure that there are improvements to Bank problems that can reduce the
effectiveness of the internal control system; and
c. Conduct regular reviews of the implementation of internal control and validate
the Bank's strategy for established internal control.
2. Duties and responsibilities of the Board of Directors regarding the internal control
system include:
a. Create and maintain a strong and effective internal control system;
b. Ensure the system runs safely and reliably, in accordance with the internal
control objectives set by the Bank;
c. Establish policies and strategies, internal control procedures, and monitor the
adequacy and effectiveness of the internal control system; and
d. The Director in charge of the compliance function is obliged to play an active
role in preventing deviations by management in establishing policies based
on the precautionary principle.
Active supervision of the Board of Commissioners and Board of Directors is carried
out through determining and implementing business strategies, developing and
implementing risk management, managing organizations and delegating authority
with clear accountability, developing internal control policies, and monitoring the
adequacy and effectiveness of the established internal control system. The Board
of Commissioners and Board of Directors have an interest in ensuring that the
development of the Bank's work environment is well controlled. In this regard,
the Board of Commissioners and Board of Directors strive to improve work ethics
and high integrity, as well as create an organizational culture that can provide
understanding for all employees regarding the importance of internal control that
applies at the Bank.
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Identifikasi dan Identifikasi, analisis, dan penilaian risiko merupakan serangkaian tindakan yang
Penilaian Risiko dilakukan oleh Direksi. Namun, agar cakupan audit yang dilakukan lebih luas
Risk Identification and dan menyeluruh, maka penilaian risiko didelegasikan kepada Satuan Kerja Audit
Assessment Intern (SKAI), dengan mempertimbangkan faktor internal maupun eksternal, serta
dilakukan pada entitas ataupun tingkat aktivitasnya.
Pelaksanaan identifikasi dan penilaian terhadap risiko yang melekat pada kegiatan
operasional Bank dilakukan secara terus-menerus, baik secara individual maupun
keseluruhan (composite), yang dapat memengaruhi pencapaian sasaran. Penilaian
risiko dapat mengidentifikasi jenis risiko yang dihadapi oleh Bank, baik risiko
individual maupun secara keseluruhan (aggregate), penetapan limit risiko, dan
teknik pengendalian risiko tersebut.
Risk identification, analysis, and assessment are a series of actions carried out by the
Board of Directors. However, in order to broaden the scope of the audit carried out
and make it more comprehensive, the risk assessment is delegated to the Internal
Audit Work Unit (SKAI), taking into account internal and external factors, and is
carried out at the entity or activity level.
The identification and assessment of risks inherent in the Bank's operational
activities is carried out continuously, both individually and as a whole (composite),
which can influence the achievement of targets. Risk assessment can identify the
types of risks faced by the Bank, both individual and aggregate, and determine risk
limits and risk control techniques.
Kegiatan Pengendalian Kegiatan pengendalian melibatkan seluruh karyawan Bank, termasuk Direksi.
dan Pemisahan Fungsi Kegiatan pengendalian direncanakan dan diterapkan untuk mengendalikan risiko
Operasional yang telah diidentifikasi. Kegiatan pengendalian mencakup penetapan kebijakan
Control Activities dan prosedur pengendalian, serta proses verifikasi lebih dini untuk memastikan
and Separation of bahwa kebijakan dan prosedur dipatuhi secara konsisten. Kegiatan pengendalian
Operational Functions ini menjadi bagian yang tidak terpisahkan dari setiap fungsi atau kegiatan Bank
sehari-hari.
Kegiatan pengendalian meliputi kebijakan, prosedur, dan praktik yang memberikan
keyakinan bagi pejabat dan karyawan Bank bahwa arahan Dewan Komisaris dan
Direksi Bank telah dilaksanakan secara efektif. Kegiatan pengendalian dapat
membantu Direksi, termasuk Komisaris Bank, dalam mengelola dan mengendalikan
risiko yang dapat memengaruhi kinerja atau mengakibatkan kerugian Bank.
Kegiatan pengendalian diterapkan pada semua jabatan fungsional sesuai dengan
struktur organisasi Bank yang meliputi kaji ulang manajemen, kaji ulang kinerja
operasional, pengendalian sistem informasi, pengendalian aset fisik, dokumentasi
atas kebijakan, sistem dan prosedur, prinsip dual control, dan mengatur mengenai
mekanisme pelaporan pelanggaran serta sanksi atas tindakan pelanggaran
tersebut.
Sistem pengendalian internal yang efektif mensyaratkan adanya pemisahan
fungsi. Pemisahan fungsi dimaksudkan agar setiap karyawan dalam jabatannya
tidak memiliki peluang untuk melakukan dan menyembunyikan kesalahan atau
penyimpangan dalam pelaksanaan tugasnya pada seluruh jenjang organisasi
dan seluruh langkah kegiatan operasional. Selain itu, dalam sistem pengendalian
internal yang efektif, pemberian wewenang serta tanggung jawab yang dapat
menimbulkan berbagai benturan kepentingan (conflict of interest) dihindari.
Seluruh aspek yang dapat menimbulkan pertentangan kepentingan diidentifikasi,
diminimalkan, dan dipantau secara hati-hati oleh pihak independen.
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Kegiatan Pengendalian Control activities involve all Bank employees, including the Board of Directors.
dan Pemisahan Fungsi Control activities are planned and implemented to control identified risks. Control
Operasional activities include establishing control policies and procedures, as well as an early
Control Activities verification process to ensure that policies and procedures are consistently adhered
and Separation of to. This control activity is an inseparable part of every day-to-day function or activity
Operational Functions of the Bank.
Control activities include policies, procedures, and practices that provide confidence
for Bank officials and employees that the directions of the Bank's Board of
Commissioners and Board of Directors have been implemented effectively. Control
activities can assist the Board of Directors, including the Bank's Commissioners,
in managing and controlling risks that could affect performance or result in Bank
losses. Control activities are applied to all functional positions in accordance
with the Bank's organizational structure, which includes management reviews,
operational performance reviews, information system control, physical asset control,
documentation of policies, systems, and procedures, dual control principles, and
regulating violation reporting mechanisms and sanctions for the violation.
An effective internal control system requires the separation of functions. Separation
of functions is intended so that each employee in their position does not have the
opportunity to commit and hide mistakes or irregularities in the implementation of
their duties at all levels of the organization and at all steps of operational activities.
In addition, in an effective internal control system, the assignment of authority and
responsibility that can give rise to various conflicts of interest is avoided. All aspects
that could give rise to conflicts of interest are identified, minimized, and carefully
monitored by independent parties.
Sistem Akuntansi, Sistem akuntansi, informasi, dan komunikasi manajemen risiko Bank
Informasi, dan diselenggarakan sesuai dengan ketentuan dan perundang-undangan yang
Komunikasi berlaku. Sistem ini harus mampu memfasilitasi pelaksanaan proses manajemen
Accounting, Information risiko yang komprehensif secara memadai.
and Communication
Systems Sistem akuntansi meliputi metode dan catatan dalam rangka mengidentifikasi,
mengelompokkan, menganalisis, mengklasifikasi, mencatat/membukukan, dan
melaporkan transaksi Bank. Sistem informasi harus dapat menghasilkan laporan
mengenai kegiatan usaha, kondisi keuangan, penerapan manajemen risiko, serta
pemenuhan ketentuan yang mendukung pelaksanaan tugas Dewan Komisaris
dan Direksi. Sistem komunikasi harus mampu memberikan informasi pada seluruh
pihak, baik internal maupun eksternal, seperti Otoritas Jasa Keuangan, auditor
eksternal, Pemegang Saham, dan nasabah Bank.
The Bank's risk management accounting, information, and communication
systems are maintained in accordance with applicable regulations and legislation.
This system must be able to adequately facilitate the implementation of a
comprehensive risk management process.
The accounting system includes methods and records in order to identify, group,
analyze, classify, record/book, and report Bank transactions. The information system
must be able to produce reports regarding business activities, financial conditions,
the implementation of risk management, and compliance with provisions that
support the implementation of the duties of the Board of Commissioners and Board
of Directors. The communication system must be able to provide information to all
parties, both internal and external, such as the Financial Services Authority, external
auditors, Shareholders, and Bank customers.
Kepatuhan terhadap Bank memiliki unit kerja yang mengelola dan mendukung kepatuhan Bank
Perundang-undangan terhadap ketentuan yang berlaku. Bank memiliki system COMPLY untuk
Compliance with mengantisipasi keterlambatan pelaporan.
Legislation
Bank has a dedicated unit that manages and supports the Bank’s compliance with
applicable regulations. The Bank utilizes the COMPLY system to anticipate reporting
delays.
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Tinjauan atas Efektivitas Sistem Pengendalian Review of the Effectiveness of the Internal
Internal Control System
Tinjauan terhadap efektivitas penerapan sistem Reviews of the effectiveness of the implementation
pengendalian internal dilakukan oleh Satuan of the internal control system are carried out by
Kerja Audit Intern (SKAI) secara periodik untuk the Internal Audit Work Unit (SKAI) periodically to
memastikan kebijakan, standar operasional ensure that policies, standard operating procedures
prosedur (SOP), prinsip akuntansi, sistem (SOP), accounting principles, risk management
manajemen risiko, serta penerapan GCG telah systems, and GCG implementation are running
berjalan efektif dan efisien. Hasil tinjauan tersebut effectively and efficiently. The results of this
kemudian akan menjadi dasar pertimbangan bagi review will then become a basis for consideration
Manajemen untuk melakukan pengembangan for Management to develop and improve the
dan perbaikan penerapan sistem pengendalian implementation of the internal control system in
internal pada aspek yang dinilai kurang efektif di aspects that are considered less effective in certain
unit-unit tertentu. Rekomendasi pengembangan units. Recommendations for development and
dan perbaikan juga akan disampaikan kepada unit improvement will also be submitted to the relevant
terkait untuk ditindaklanjuti dengan pengawasan units to be followed up with supervision by the
dan tindak lanjut dilakukan oleh Satuan Kerja Audit Internal Audit Work Unit (SKAI).
Intern (SKAI).
Pernyataan Dewan Komisaris dan Direksi atas Statement of the Board of Commissioners and
Kecukupan Sistem Pengendalian Internal Board of Directors on the Adequacy of the
Internal Control System
Berdasarkan hasil tinjauan yang dilakukan tahun Based on the results of the review carried out in
2023, Dewan Komisaris dan Direksi menilai 2023, the Board of Commissioners and Board of
bahwa penerapan sistem pengendalian internal Directors assessed that the implementation of the
Bank telah berjalan baik dan efektif. Kinerja Bank’s internal control system has been running
positif tersebut ditunjukkan dengan pengelolaan well and effectively. This positive performance is
sistem pengendalian pada kegiatan operasional demonstrated by the management of the control
perbankan yang berjalan baik tanpa menimbulkan system for banking operational activities, which
kerugian yang bersifat signifikan, sehingga runs well without causing significant losses, so that
aktivitas yang dijalankan Perseroan senantiasa the activities carried out by the Company are always
sesuai dengan ketentuan peraturan perundang- in accordance with the provisions of applicable laws
undangan yang berlaku. and regulations.
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Fungsi Audit Eksternal
External Audit Function
Laporan Keuangan Bank setiap tahun diaudit oleh The Bank’s Financial Statement is audited
kantor akuntan publik (KAP) sebagai audit eksternal annually by a public accounting firm (PAF) as an
yang independen. Pemilihan KAP didasarkan atas independent external audit. The selection of PAF
ketentuan yang berlaku, antara lain bahwa KAP is based on applicable provisions, including that
yang ditunjuk merupakan entitas yang terdaftar the appointed PAF is an entity registered with the
pada Otoritas Jasa Keuangan dan akuntan publik Financial Services Authority and that the appointed
(AP) yang ditunjuk tidak melakukan pekerjaan public accountant (PA) has not carried out audit
audit atas Laporan Keuangan Bank lebih dari 3 work on the Bank’s Financial Statements for more
tahun buku secara berturut-turut. than 3 consecutive financial years.
Berdasarkan RUPS Tahunan tahun 2023, RUPS Based on the 2023 Annual GMS, the GMS granted
memberi kuasa dan wewenang kepada Dewan power and authority to the Board of Commissioners
Komisaris untuk menunjuk KAP dan wewenang to appoint PAF and authority to the Board of
kepada Direksi untuk menentukan honorariumnya. Directors to determine the honorarium. The Bank
Bank menunjuk KAP Amir Abadi Jusuf, Aryanto, appointed PAF Amir Abadi Jusuf, Aryanto, Mawar
Mawar & Rekan (firma anggota RSM International & Rekan (a member firm of RSM International
Limited) sebagai auditor eksternal untuk Limited) as an external auditor to carry out an
melakukan pemeriksaan independen atas Laporan independent examination of Hana Bank’s Financial
Keuangan Bank Hana periode yang berakhir pada Statement for the period ending December 31,
31 Desember 2023. Kajian dan keputusan Dewan 2023. The Board of Commissioners’ review and
Komisaris atas penunjukan KAP tersebut telah decision regarding the appointment of the PAF has
mempertimbangkan aspek reputasi, track record, taken into account aspects of the reputation, track
profesionalisme, dan independensi KAP. record, professionalism, and independence of the
PAF.
Pemeriksaan laporan keuangan oleh KAP dilakukan Auditing of financial statements by PAF is carried
sesuai dengan standar profesional akuntan, sesuai out in accordance with professional accountant
dengan kontrak kerja dengan ruang lingkup audit standards and in accordance with work contracts
yang diselesaikan dalam rentang waktu tertentu. with an audit scope completion within a certain
Pemeriksaan yang dilakukan disesuaikan dengan time frame. The audits carried out are in accordance
ketentuan Otoritas Jasa Keuangan tentang with the provisions of the Financial Services
transparansi kondisi keuangan Bank dan Standar Authority regarding transparency of Bank financial
Akuntansi Indonesia. conditions and Indonesian Accounting Standards.
Jasa Lain yang Diberikan Other Services Provided
Selain memberikan jasa audit atas Laporan Apart from providing audit services for the Bank’s
Keuangan Bank tahun buku 2023, Kantor Akuntan Financial Statement for the 2023 financial year,
Publik Amir Abadi Jusuf, Aryanto, Mawar & Rekan the Public Accounting Firm Amir Abadi Jusuf,
(firma anggota RSM International Limited) tidak Aryanto, Mawar & Rekan (a member firm of RSM
memberikan jasa lainnya. International Limited) does not provide other
services.
PENERAPAN SISTEM MANAJEMEN IMPLEMENTATION OF THE RISK
RISIKO MANAGEMENT SYSTEM
Bank Hana berpedoman pada Peraturan Hana Bank is guided by Financial Services
Otoritas Jasa Keuangan No. 18/POJK.03/2016 dan Authority Regulation No. 18/POJK.03/2016 and
Surat Edaran Otoritas Jasa Keuangan No. 34/ Financial Services Authority Circular Letter No. 34/
SEOJK.03/2016 tentang Penerapan Manajemen SEOJK.03/2016 concerning the Implementation of
Risiko bagi Bank Umum dalam rangka Risk Management for Commercial Banks in order
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menerapkan kerangka pengelolaan risiko secara to implement an integrated risk management
terpadu (bankwide risk management) untuk framework (bankwide risk management) to control
mengendalikan 8 (delapan) jenis risiko yang melekat 8 (eight) types of inherent risks in the Bank’s
(inherent risk) dalam kegiatan usaha Bank. Selain business activities. Apart from that, the Bank is also
itu, Bank juga berpedoman pada Surat Edaran guided by the Financial Services Authority Circular
Otoritas Jasa Keuangan No. 14/SEOJK.03/2017 Letter No. 14/SEOJK.03/2017 concerning the
tentang Penilaian Tingkat Kesehatan Bank Umum, Assessment of the Soundness Level of Commercial
di mana di dalamnya memperhitungkan profil Banks, which takes into account the Bank’s risk
risiko Bank yang menjadi salah satu acuan untuk profile, which is one of the references for assessing
penilaian tingkat kesehatan Bank yang dilakukan the Bank’s health level and is carried out semi-
secara semesteran, yaitu untuk setiap posisi Juni annually, namely for each June and December
dan Desember. position.
Bank juga telah memiliki kebijakan terkait The Bank also has policies related to risk
manajemen risiko yang diperbaharui minimal 1 management that are updated at least once a year
(satu) tahun sekali atau sesuai dengan kebutuhan or in accordance with the Bank’s needs, including
Bank, termasuk apabila terdapat perubahan if there are policy changes from the regulator. The
kebijakan dari regulator. Kebijakan dan prosedur Bank’s risk management policies and procedures,
manajemen risiko yang dimiliki Bank, antara lain among others, regulate the measurement of
mengatur mengenai pengukuran terhadap 8 8 (eight) types of risk in accordance with the
(delapan) jenis risiko sesuai dengan Peraturan Financial Services Authority Regulations, the
Otoritas Jasa Keuangan, pengaturan serta clear arrangement and division of duties and
pembagian tugas dan tanggung jawab masing- responsibilities of each organizational structure
masing struktur organisasi dalam manajemen in risk management, and the calculations and
risiko secara jelas, perhitungan dan metode methods used for the internal capital adequacy
yang digunakan untuk internal capital adequacy assessment process (ICAAP), risk identification
assessment process (ICAAP), tata cara proses process procedures, risk measurement, risk
identifikasi risiko, pengukuran risiko, sistem management information systems, risk rating
informasi manajemen risiko, penilaian peringkat assessments, risk control and mitigation, setting
risiko, pengendalian risiko dan mitigasi, penetapan risk limits and tolerances, implementing stress
limit dan toleransi risiko, pelaksanaan stress testing, testing, and implementing internal control systems.
penerapan sistem pengendalian intern.
Bank memiliki organisasi dan kerangka kerja The Bank has an adequate risk management
manajemen risiko yang memadai, dengan tugas organization and framework, with clear and
dan tanggung jawab yang jelas dan independen independent duties and responsibilities in
dalam menjalankan fungsinya. Pelaksanaan carrying out its functions. The implementation
manajemen risiko telah dilakukan pada semua of risk management has been carried out at all
tingkatan organisasi dan dalam setiap kegiatan organizational levels and in every Bank business
usaha Bank, termasuk pengendalian internal dalam activity, including internal control, in order to
rangka memperkuat aspek-aspek identifikasi strengthen aspects of risk identification, risk
risiko, pengukuran risiko, pengawasan risiko, dan measurement, risk supervision, and risk control.
pengendalian risiko.
Pengawasan aktif untuk menilai potensi risiko yang Active supervision to assess potential risks faced
dihadapi Bank terus dilakukan oleh Manajemen by the Bank continues to be carried out by Bank
Bank dan komite-komite yang terkait sebagai Management and related committees as a step in
langkah dalam rangka mitigasi dan evaluasi the context of mitigating and evaluating the Bank’s
eksposur risiko Bank. Awareness dan pemahaman risk exposure. The awareness and understanding of
Dewan Komisaris dan Direksi terhadap the Board of Commissioners and Board of Directors
implementasi manajemen risiko dianggap telah regarding the implementation of risk management
memadai. Komite Manajemen Risiko yang berada are considered adequate. The Risk Management
di bawah Direksi bertugas untuk memberikan Committee which is under the Board of Directors,
rekomendasi kepada Direksi terkait penerapan is tasked with providing recommendations to the
manajemen risiko di Bank Hana. Hasil dari Komite Board of Directors regarding the implementation
Manajemen Risiko selanjutnya akan didiskusikan of risk management at Hana Bank. The results of
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pada Komite Pemantau Risiko, hasil rekomendasi the Risk Management Committee will then be
Komite Pemantau Risiko kemudian disampaikan discussed with the Risk Monitoring Committee.
Dewan Komisaris kepada Direksi untuk selanjutnya The results of the Risk Monitoring Committee’s
diimplementasikan oleh unit-unit kerja terkait atas recommendations will then be submitted by the
pengelolaan risiko di Bank. Board of Commissioners to the Board of Directors
for further implementation by the work units
related to risk management at the Bank.
Chief Risk Officer mengepalai Satuan Kerja The Chief Risk Officer heads the Risk Management
Manajemen Risiko (SKMR) dan sebagai pihak yang Work Unit (SKMR) and is the party responsible for
bertanggung jawab dalam pengelolaan sistem managing the Bank’s risk management system.
manajemen risiko Bank. SKMR bekerja sama SKMR collaborates with other work units, such as
dengan unit kerja lain, seperti SKAI, SKK, unit bisnis, SKAI, SKK, business units, operational work units,
unit kerja operasional, dan unit kerja pendukung and other supporting work units, in the process of
lainnya, dalam proses implementasi manajemen implementing comprehensive risk management
risiko yang komprehensif pada seluruh aspek in all aspects of the Bank’s business.
usaha Bank.
Bank senantiasa meningkatkan kualitas dan The Bank continues to improve the quality
pengembangan manajemen risiko secara and development of risk management in a
menyeluruh dan berkesinambungan. Adapun comprehensive and sustainable manner. The
perbaikan dan penyempurnaan pengelolaan risiko improvements and enhancements to the Bank’s
Bank selama tahun 2023 meliputi: risk management during 2023 include:
1. Terhadap kebijakan terkait manajemen risiko, 1. Regarding policies related to risk management,
Bank secara berkala melakukan kaji ulang dan the Bank periodically reviews and updates
pengkinian dengan memperhatikan tingkat them by taking into account the level of risk to
risiko yang akan diambil, toleransi risiko, kondisi be taken, risk tolerance, current conditions of
terkini dari Bank, regulasi yang diterbitkan dan the Bank, regulations issued and projections of
proyeksi kondisi ekonomi serta strategi bisnis economic conditions, and the Bank’s business
Bank. strategy.
2. Untuk memitigasi risiko pasar dan likuiditas, 2. To mitigate market and liquidity risks, the
Bank telah melakukan penyesuaian suku Bank has adjusted interest rates several times
bunga beberapa kali sepanjang tahun 2023 throughout 2023 to increase third party fund
untuk meningkatkan aliran masuk dana pihak inflows.
ketiga.
3. Pengembangan Credit Application System 3. Development of the Hana Bank Credit
Hana Bank (CASH) untuk mengakomodir proses Application System (CASH) to accommodate
perkreditan secara menyeluruh termasuk fungsi the overall loan process, including the loan
penyimpanan dokumen kredit. Bank juga telah document storage function. The Bank has also
menerapkan perhitungan SME Scorecard implemented the SME Scorecard calculation
untuk kredit UMKM dibawah Rp15 miliar dan for MSME loans under Rp15 billion and made
melakukan penyempurnaan terhadap proses improvements to the post-disbursement
pemantauan pasca pencairan yaitu aplikasi Call monitoring process, namely the Call Report
Report fase 4, yang mencakup pemantauan phase 4 application, which includes loan
kredit terhadap kelompok peminjam. monitoring for borrower groups.
4. Bank terus melakukan pemantauan secara 4. The Bank continues to carry out regular
berkala terhadap debitur yang mengajukan monitoring of debtors who apply for
restrukturisasi termasuk melakukan stress test restructuring, including conducting stress tests
sebagai antisipasi terhadap risiko yang mungkin to anticipate possible risks. The credit stress
terjadi. Hasil stress test kredit menunjukkan test results show that the Bank is considered
bahwa Bank dinilai masih memiliki kemampuan to still have the ability to anticipate potential
untuk mengantisipasi potensi kerugian atas losses due to extreme conditions in the future.
kondisi ekstrim dimasa mendatang. Total Total credit restructuring due to the impact
restrukturisasi kredit akibat dampak pandemi of the COVID-19 pandemic also continues to
Covid-19 juga terus mengalami trend yang experience a downward trend throughout 2023.
menurun sepanjang tahun 2023.
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5. Bank memperoleh Sertifikasi ISO 27001:2013 5. The Bank obtained ISO 27001:2013 Certification
bidang Keamanan Informasi untuk LINE Bank in the field of Information Security for LINE
dan terus meningkatkan upaya pengamanan Bank and continues to improve security efforts
terhadap aplikasi serta data yang digunakan. for applications and data used.
6. Bank melakukan peningkatan kesiapan 6. The Bank improves disaster management
penanganan bencana dengan meningkatkan preparedness by increasing the capabilities of
kemampuan Disaster Recovery Center (DRC). the Disaster Recovery Center (DRC).
7. Bank terus melakukan pengembangan 7. The Bank continues to develop operational
terhadap perangkat manajemen risiko risk management tools, including by updating
operasional diantaranya dengan melakukan the Loss Event Database (LED) application and
proses pembaharuan terhadap aplikasi the Risk and Control Self Assessment (RCSA)
Loss Event Database (LED) dan pengkinian methodology.
metodologi Risk and Control Self Assessment
(RCSA).
8. Menetapkan langkah-langkah strategis dalam 8. Determine strategic steps to mitigate risks
rangka mitigasi risiko atas kebutuhan sumber regarding human resource needs, including
daya manusia, antara lain program Talent the Talent Banking Program (TBP) for MSME
Banking Program (TBP) untuk unit kerja and IT work units, employee training at various
UMKM dan IT, pelatihan-pelatihan karyawan levels, determining talent pools, and various
di berbagai tingkatan, penetapan talent pool, campaigns such as Zero Defect and Destroy
berbagai kampanye seperti Zero Defect dan Silos.
Destroy Silo.
9. Bank terus meningkatkan customer awareness 9. The Bank continues to increase customer
pada layanan perbankan digital, seperti awareness of digital banking services, such
sosialisasi fraud awareness baik kepada as by disseminating fraud awareness to both
karyawan maupun nasabah. employees and customers.
Evaluasi atas Efektivitas Sistem Manajemen Evaluation of the Effectiveness of the Risk
Risiko Management System
Penerapan sistem manajemen risiko senantiasa The implementation of the risk management
dilakukan evaluasi secara berkala oleh Satuan Kerja system is always evaluated periodically by the
Manajemen Risiko (SKMR) di bawah pengawasan Risk Management Work Unit (SKMR) under the
dari Dewan Komisaris dan Direksi melalui organ supervision of the Board of Commissioners and
pendukungnya. Evaluasi penerapan sistem Board of Directors through their supporting
manajemen risiko dilakukan terhadap kesesuaian organs. Evaluation of the implementation of
sistem manajemen risiko yang diterapkan the risk management system is carried out
dengan kebutuhan operasional Bank berdasarkan based on the suitability of the risk management
laporan yang disampaikan SKMR kepada Komite system implemented with the Bank’s operational
Manajemen Risiko, serta rekomendasi yang needs based on the report submitted by SKMR
diberikan oleh Komite Pemantau Risiko kepada to the Risk Management Committee as well as
Dewan Komisaris. Hasil evaluasi tersebut kemudian recommendations provided by the Risk Monitoring
akan menjadi dasar pertimbangan dalam Committee to the Board of Commissioners. The
meningkatkan kualitas penerapan manajemen results of this evaluation will then become the basis
risiko Bank. for consideration in improving the quality of the
Bank’s risk management implementation.
Sepanjang tahun 2023, hasil evaluasi atas Throughout 2023, the results of the evaluation
penerapan sistem manajemen risiko dinilai of the implementation of the risk management
telah berjalan dengan baik, tercermin dari hasil system are considered to have run well, as reflected
penilaian profil risiko Bank, baik secara inheren in the results of the assessment of the Bank’s
maupun atas kualitas penerapan manajemen risk profile, both inherently and on the quality of
risiko yang dinilai peringkat 2 (satisfactory). the risk management implementation, which
Implementasi manajemen risiko dilakukan oleh is rated at 2 (satisfactory). The implementation
seluruh perangkat yang ada pada Bank dan Bank of risk management is carried out by all existing
terus berupaya melakukan peningkatan terhadap instruments at the Bank and the Bank continues
proses manajemen risiko yang ada, antara lain to strive to improve the existing risk management
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kualitas kredit yang terjaga dan stabil, tingkat process, including maintaining loan quality and
likuiditas Bank mengalami peningkatan, beragam stability, increasing the Bank’s liquidity level, and
upaya dalam menjaga memperkuat pengamanan various efforts to strengthen security for operational
untuk risiko operasional, termasuk potensi fraud risks, including the potential for fraud and cyber
dan serangan siber, dan seluruhnya didukung oleh attacks, all supported by strong capital levels and
tingkat permodalan yang kuat dan komitmen dari commitment from the Board of Directors and
Direksi dan Dewan Komisaris. Board of Commissioners.
Pernyataan Dewan Komisaris dan Direksi atas Statement by the Board of Commissioners and
Kecukupan Sistem Manajemen Risiko Board of Directors regarding the Adequacy of
the Risk Management System
Berdasarkan hasil evaluasi yang dilakukan tahun Based on the results of the evaluation carried out
2023, Dewan Komisaris dan Direksi menilai bahwa in 2023, the Board of Commissioners and Board
penerapan sistem manajemen risiko telah berjalan of Directors assessed that the implementation of
baik dan efektif. Kinerja positif tersebut ditunjukkan the risk management system has been running
dengan kemampuan penyelesaian berbagai risiko well and effectively. This positive performance is
yang dihadapi Bank melalui ketepatan prosedur demonstrated by the ability to resolve various risks
dan langkah mitigasinya, tanpa menimbulkan faced by the Bank through appropriate procedures
dampak negatif lainnya. and mitigation measures without causing other
negative impacts.
PERKARA HUKUM DAN SAKSI LEGAL CASES AND ADMINISTRATIVE
ADMINISTRATIF DIREKSI DAN DEWAN SANCTIONS OF THE BOARD OF
KOMISARIS, SERTA PERMASALAHAN DIRECTORS AND BOARD OF
HUKUM BANK HANA COMMISSIONERS, AS WELL AS HANA
BANK LEGAL CASES
Bank Hana memiliki komitmen yang tinggi Hana Bank has a high commitment to law
dalam penegakan hukum. Apabila terdapat enforcement. If there is a legal case, Hana Bank
permasalahan hukum, Bank Hana terlebih dahulu first takes steps to resolve it through persuasive
mengupayakan langkah–langkah penyelesaian communication. However, if these steps cannot
melalui komunikasi secara persuasif. Namun, be taken, Hana Bank will take legal action through
apabila langkah tersebut tidak dapat ditempuh, litigation. The legal cases faced by Hana Bank and
maka Bank Hana akan melakukan upaya hukum the serving members of the Board of Commissioners
litigasi. Adapun permasalahan hukum yang and Board of Directors, both related to civil and
dihadapi oleh Bank Hana serta anggota Dewan criminal law, throughout the period 2021–2023, are
Komisaris dan Direksi yang menjabat, baik terkait described as follows:.
hukum perdata maupun pidana, sepanjang kurun
waktu tahun 2021 sampai 2023 diuraikan sebagai
berikut:
Perkara Perdata
Civil Cases
Perdata (Bank sebagai Tergugat dan Penggugat)
Permasalahan Hukum Civil (Bank as Defendant and Plaintiff)
Legal Cases
2023 2022 2021
Jumlah Perkara yang Dihadapi
31 33 32
Number of Cases Faced
Perkara yang telah Selesai (Telah Mempunyai Kekuatan
Hukum Tetap)
12 12 15
Cases that have been resolved (have permanent legal
force)
Perkara dalam Proses Penyelesaian
21 21 17
Cases in the Settlement Process
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Perkara perdata yang dihadapi oleh Bank Hana The civil cases faced by Hana Bank and the serving
serta anggota Dewan Komisaris dan Direksi yang members of the Board of Commissioners and Board
menjabat, antara lain disebabkan oleh adanya: of Directors were, among other things, caused by:
1. Gugatan dari Bank Hana terhadap debitur dan 1. Lawsuits from Hana Bank against debtors and
gugatan dari debitur kepada Bank Hana atau lawsuits from debtors against Hana Bank or
pihak ketiga; third parties;
2. Gugatan perbuatan melawan hukum atau 2. Claims for unlawful acts or default from debtors
wanprestasi dari debitur terkait permohonan related to requests for cancellation, including
pembatalan antara lain perjanjian kredit dan loan agreements and guarantees; and
jaminan; dan
3. Gugatan dari debitur terkait keberatan atas 3. Lawsuit from the debtor regarding objections
dilaksanakannya eksekusi hak tanggungan to Hana Bank’s execution of mortgage rights
oleh Bank Hana terhadap debitur. against the debtor.
Seluruh perkara perdata yang dihadapi sepanjang All civil cases faced during the last 3 (three) years
3 (tiga) tahun terakhir tidak berdampak material have had no material impact on Hana Bank.
terhadap Bank Hana.
Perkara Pidana
Criminal Cases
Pidana (Bank sebagai Tergugat dan Penggugat)
Permasalahan Hukum Criminal (Bank as Defendant and Plaintiff)
Legal Cases
2023 2022 2021
Jumlah Perkara yang Dihadapi
6 7 5
Number of Cases Faced
Perkara yang telah Selesai (Telah Mempunyai Kekuatan
Hukum Tetap)
2 3 -
Cases that have been resolved (have permanent legal
force)
Perkara dalam Proses Penyelesaian
4 4 5
Cases in the Settlement Process
Perkara pidana yang dihadapi oleh Bank Hana The criminal cases faced by Hana Bank and the
serta anggota Dewan Komisaris dan Direksi yang serving members of the Board of Commissioners
menjabat, antara lain disebabkan oleh adanya: and Board of Directors were, among other things,
caused by:
1. Laporan pidana dari Bank Hana terhadap 1. Criminal lawsuits from Hana Bank against
mantan karyawan Bank Hana yang terindikasi former Hana Bank employees who are
melakukan fraud; suspected of committing fraud;
2. Laporan pidana dari Bank Hana kepada 2. Criminal lawsuits from Hana Bank to customers/
nasabah/debitur Bank Hana atau pihak lain debtors of Hana Bank or other parties who are
yang terindikasi melakukan suatu tindak pidana indicated to have committed a criminal act that
yang merugikan Bank Hana; serta is detrimental to Hana Bank; and
3. Laporan pidana dari nasabah atau debitur 3. Criminal lawsuits from customers or debtors
terhadap Bank Hana. against Hana Bank
Seluruh perkara pidana yang dihadapi sepanjang All criminal cases faced during the last 3 (three)
3 (tiga) tahun terakhir tidak berdampak material years have had no material impact on Hana Bank.
terhadap Bank Hana.
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Sanksi Administratif
Administrative Sanctions
Sanksi Administratif
Uraian Permasalahan Administrative Sanctions
Cases Description
2023 2022 2021
Nihil
Nil
Sepanjang 3 (tiga) tahun terakhir tidak terdapat Throughout the last 3 (three) years, there have
sanksi administratif yang dihadapi oleh Bank Hana been no administrative sanctions faced by Hana
serta anggota Dewan Komisaris dan Direksi yang Bank or the serving members of the Board of
menjabat yang disebabkan oleh permasalahan Commissioners or Board of Directors due to legal
hukum. cases.
PENANGANAN BENTURAN HANDLING OF CONFLICTS OF INTEREST
KEPENTINGAN
Dalam rangka membangun kerjasama yang In order to build harmonious cooperation and
harmonis dan meningkatkan nilai Bank, maka increase the value of the Bank, the Bank’s business
kegiatan usaha Bank tidak terlepas dari hubungan activities cannot be separated from relationships
dan interaksi dengan para pemangku kepentingan and interactions with stakeholders and other
maupun pihak-pihak lainnya. Namun demikian, parties. However, in carrying out these relationships
dalam menjalakan hubungan dan interaksi and interactions, there is the potential for conflict
tersebut terdapat potensi terjadinya situasi of interest situations that may not be avoided
benturan kepentingan yang mungkin tidak dapat between one party and another.
dihindari antara satu pihak dengan pihak lainnya.
Guna menghindari bentuk benturan kepentingan In order to avoid any form of conflict of interest
atau meminimalisasi efek dari benturan or minimize the effects of a conflict of interest,
kepentingan maka Bank telah memiliki Kebijakan the Bank has a Conflict of Interest Policy and
dan Prosedur Benturan Kepentingan yang secara Procedure that is periodically updated so that it
periodik dikinikan agar senantiasa sesuai dengan always complies with applicable regulations and
peraturan dan perundang-undangan yang berlaku. legislation.
Dewan Komisaris, Direksi, dan Pejabat Eksekutif The Board of Commissioners, Board of Directors,
dilarang mengambil setiap tindakan yang and Executive Officers are prohibited from taking
mengandung benturan kepentingan yang dapat any action that contains a conflict of interest that
merugikan Bank atau mengurangi keuntungan could harm the Bank or reduce the Bank’s profits.
Bank. Dalam hal terdapat keputusan yang In the event that there is a decision that contains a
mengandung benturan kepentingan, Bank conflict of interest, the Bank is obliged to disclose it
wajib mengungkapkan secara tertulis dan in writing and properly document it, and the Bank is
terdokumentasi dengan baik, serta Bank wajib obliged to ensure that the decision is in accordance
memastikan bahwa keputusan tersebut telah with the Bank’s Policies and Procedures.
sesuai dengan Kebijakan dan Prosedur Bank.
Selama tahun 2023, tidak terdapat keputusan Bank During 2023, there were no Bank decisions that
yang mengandung benturan kepentingan. contained a conflict of interest.
Transaksi Benturan Kepentingan
Conflict of Interest Transactions
Nama dan Jabatan
Nama dan Jabatan
Pihak yang Nilai Transaksi ( juta
Pengambil
Memiliki Benturan Rupiah)
Keputusan Jenis Transaksi Keterangan
Kepentingan Value of
Name and Position Type of Transactions Description
Name and Position Transactions
of Decision Maker
of Party Who Has a (million Rupiah)
Conflict of Interest
Nihil
Nil
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PENYEDIAAN DANA KEPADA PIHAK PROVISION OF FUNDS TO RELATED
TERKAIT DAN PENYEDIAAN DANA PARTIES AND PROVISION OF LARGE
BESAR EXPOSURES
Kebijakan Bank dalam mengatur penyediaan The Bank’s policy in regulating the provision of
dana kepada pihak terkait dan penyediaan funds to related parties and the provision of large
dana besar didasarkan pada Peraturan Otoritas exposures is based on the Financial Services
Jasa Keuangan yang mengatur tentang Batas Authority Regulation, which regulates the Legal
Maksimum Pemberian Kredit (BMPK). Penyediaan Lending Limit (BMPK). The provision of funds in
dana dengan kategori tersebut diputuskan oleh this category is decided by the Credit Committee
Komite Kredit secara independen dan mengacu independently and refers to applicable regulations.
pada ketentuan berlaku. Secara berkala, Bank Hana Periodically, Hana Bank monitors and reports to the
memonitor dan melaporkannya kepada Otoritas Financial Services Authority.
Jasa Keuangan.
Berikut adalah penyediaan dana kepada pihak The following is the provision of funds to related
terkait, serta total eksposur grup dan core debtors parties, as well as the total exposure of groups and
terhadap total portofolio kredit Bank per posisi 31 core debtors to the Bank’s total credit portfolio as of
Desember 2023. December 31, 2023.
Penyediaan Dana kepada Pihak Terkait dan Penyediaan Dana Besar
Provision of Funds to Related Parties and Provision of Large Exposures
(dalam jutaan rupiah, kecuali dinyatakan lain)
(in million of Rupiah, unless otherwise stated)
Uraian Baki Debet Jumlah Debitur Utilisasi BMPK
Description Debit Balance Numer of Debtors LLL Utilization
Pihak Terkait 995.670 3 9,19%
Related Parties
(dalam jutaan rupiah, kecuali dinyatakan lain)
(in million of Rupiah, unless otherwise stated)
Total Baki Debet
Debitur Inti
terhadap Total
Uraian Baki Debet Jumlah Debitur Total Kredit
Kredit
Description Debit Balance Number of Debtors Total Loan
Total Debit Balance
of Core Debtors to
Total Loan
Debitur Inti 13.998.031 40,78% 68 34.323.680
Core Debtors
Debitur Inti 10.627.518 30,96% 25 34.323.680
(Individual)
Core Debtors
(Individual)
Debitur Inti (Grup) 12.091.555 35,23% 84 34.323.680
Core Debtors
(Group)
(dalam jutaan rupiah, kecuali dinyatakan lain)
(in million of Rupiah, unless otherwise stated)
Total Baki Debet
Debitur Inti
terhadap Total
Uraian Baki Debet Jumlah Debitur Total Kredit
Kredit
Description Debit Balance Number of Debtors Total Loan
Total Debit Balance
of Core Debtors to
Total Loan
Penyediaan Dana 4.100.424 11,95% 13 34.323.680
Besar
Large Exposure
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Share Option, Buy Back Share dan/
atau Buy Back Obligasi
Share Option, Buy Back Share and/or Buy Back Bond
Sepanjang tahun 2023, terdapat perubahan Throughout 2023, there was a change in the
komposisi Pemegang Saham Bank Hana sesuai composition of Hana Bank Shareholders in
dengan hasil Keputusan Rapat Direksi tanggal 18 accordance with the results of the Board of Directors
Oktober 2023 yang dinyatakan dengan akta notaris Meeting Resolution dated October 18, 2023, which
No. 158 dari Hannywati Gunawan, S.H. tanggal was stated in Notarial Deed No. 158 from Hannywati
20 Oktober 2023, Direksi menyetujui perubahan Gunawan, S.H. On October 20, 2023, the Board of
komposisi kepemilikan saham yang disebabkan Directors approved the change in share ownership
oleh perubahan nama salah satu pemegang composition due to a change in the name of one
saham, dan telah memberikan pemberitahuan of the shareholders and provided notification to
kepada para Pemegang Saham melalui surat Shareholders via notification letter No. 35/5296/
pemberitahuan No. 35/5296/PN/SEC tanggal 3 PN/SEC dated November 3, 2023. This change has
November 2023. Perubahan ini telah diterima dan been accepted and recorded by the Legal Entity
dicatat oleh Sistem Administrasi Badan Hukum Administration System of the Ministry of Law and
Kementerian Hukum dan Hak Asasi Manusia No. Human Rights, No. AHU-AH.01.09-0176212 dated
AHU-AH.01.09-0176212 tertanggal 20 Oktober October 20, 2023. The composition of the Bank’s
2023. Komposisi Pemegang Saham Bank menjadi Shareholders is as follows:
sebagai berikut:
Komposisi Kepemilikan Modal Bank Hana
Hana Bank Capital Ownership Composition
Komposisi Kepemilikan
Ownership Composition
Nama Persentase
Name Jumlah Lembar Saham Kepemilikan (%)
Nominal
Number of Shares Ownership
Percentage (%)
KEB Hana Bank, Korea 2.180.624.663.000 2.180.624.663 69,010
LINE Financial Corporation 632.018.513.000 632.018.513 20,000
International Finance Corporation 315.509.753.000 315.509.753 9,980
Biantoro Setijo 14.536.259.000 14.536.259 0,460
Ludijanto Setijo 9.492.750.000 9.492.750 0,300
Lilana Gani 3.955.313.000 3.955.313 0,125
Lilik Setijo 3.955.312.000 3.955.312 0,125
Jumlah 3.160.092.563.000 3.160.092.563 100,000
Pada akhir tahun 2023, Bank Hana telah melakukan At the end of 2023, Hana Bank has completed
pelunasan atas Obligasi Subordinasi IDR Hana the principal repayment of the 2016 Hana Bank
Bank I Tahun 2016 dan Obligasi Subordinasi USD IDR Subordinated Bonds I and the 2016 Hana
Hana Bank I Tahun 2016 yang diterbitkan, yaitu Bank USD Subordinated Bonds I issued, namely
Obligasi Subordinasi Rp244.000.000.000 dan Rp244,000,000,000 Subordinated Bonds and USD
Obligasi Subordinasi USD47.500.000 yang jatuh 47,500,000 Subordinated Bonds, which mature on
tempo pada 21 Desember 2023. December 21, 2023.
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RENCANA STRATEGIS BANK BANK STRATEGIC PLAN
Rencan Strategis Bank tertuang dalam Rencana The Bank’s Strategic Plan is contained in the
Bisnis Bank (Bank Bussiness Plan) tahun 2023– Bank Business Plan for 2023–2025, prepared in
2025 disusun sesuai dengan Visi Bank menjadi accordance with the Bank’s Vision to be a lifelong
mitra seumur hidup dengan menyediakan solusi partner by providing integrated financial solutions
keuangan terintegrasi & menciptakan nilai bagi and creating value for stakeholders and Hana Bank’s
pemangku kepentingan dan Misi Bank Hana mission to grow together and share happiness. The
adalah tumbuh bersama berbagi kebahagiaan. preparation of the Bank’s Business Plan was carried
Penyusunan Rencana Bisnis Bank dilakukan out taking into account the global economic
dengan mempertimbangkan keadaan ekonomi situation, including post-pandemic recovery and
global termasuk pemulihan pasca pandemi dan national economic growth. In addition, for the
pertumbuhan ekonomi nasional. Selain itu, untuk long-term strategic plan, the Bank has created a
rencana strategis jangka panjang, Bank telah Corporate Plan that reflects the owner’s support
membuat Rencana Korporasi yang mencerminkan and commitment to strengthening Hana Bank’s
dukungan pemilik serta komitmennya dalam capital.
memperkuat permodalan Bank Hana.
Beberapa tujuan strategis Bank yang dibuat oleh Some of Hana Bank’s strategic objectives are as
Bank Hana, yaitu: follows:
1. Berfokus pada manajemen risiko; 1. Focus on risk management;
2. Pertumbuhan berkelanjutan berdasarkan pada 2. Sustainable growth based on solid financial
kesehatan finansial yang solid; health;
3. Mempercepat pengembangan produk dan 3. Accelerate the development of digital banking
layanan perbankan digital untuk memperbesar products and services to increase the number
jumlah dan ragam nasabah; and variety of customers;
4. Meningkatkan produktivitas Bank Hana; 4. Increasing Hana Bank’s productivity;
5. Meningkatkan kualitas dan daya saing sumber 5. Improving the quality and competitiveness of
daya manusia; human resources;
6. Meningkatkan kontrol internal; 6. Improve internal control;
7. Mempercepat penerapan layanan digital 7. Accelerate the implementation of digital
banking dan mengurangi ekspansi jaringan banking services and reduce the expansion of
kantor offline; serta offline office networks; and
8. Mengembangkan dan memperkuat lini bisnis 8. Develop and strengthen business lines that
yang menghasilkan fee based income sehingga generate fee-based income so that the Bank
Bank tidak hanya bergantung pada pendapatan does not only depend on interest income.
bunga.
Dalam pelaksanaan rencana bisnis, secara umum In implementing the business plan, in general, the
Bank telah mampu merealisasikan anggaran Bank has been able to realize the 2023 budget.
tahun 2023. Total aset Bank mencapai Rp46,9 The Bank’s total assets reached Rp46.9 trillion, the
triliun, penghimpunan dana pihak ketiga (DPK) collection of third party funds (TPF) reached Rp26.2
mencapai Rp26,2 triliun, dan penyaluran kredit trillion, and loan distribution reached Rp34.3 trillion.
mencapai Rp34,3 triliun. Dari aspek rentabilitas, laba From the profitability aspect, the realized profit
setelah pajak terealisasi sebesar Rp453,2 miliar. after tax was Rp453.2 billion. Meanwhile, the NPL
Sedangkan, rasio NPL pada akhir tahun 2023 ratio at the end of 2023 was 0.86%.
sebesar 0,86%.
Langkah-langkah strategis yang akan ditempuh The strategic steps that Hana Bank implemented
Bank Hana dalam mewujudkan Rencana Bisnis in realizing the Bank’s Business Plan include the
Bank, antara lain sebagai berikut: following:
1. Peluncuran Layanan Digital Banking 1. The Launch of Digital Banking Services
Salah satu langkah strategis Bank dalam One of the Bank’s strategic steps in reaching
menjangkau segmen nasabah ritel adalah the retail customer segment is through
melalui layanan perbankan digital. Produk digital banking services. The first stage of
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layanan perbankan digital tahap pertama telah digital banking service products was issued to
diterbitkan kepada nasabah secara terbatas customers on a limited basis on April 20, 2021,
pada tanggal 20 April 2021 yang kemudian and then launched to the general public on
diluncurkan untuk masyarakat umum pada June 10, 2021. The launch of digital banking
tanggal 10 Juni 2021. Peluncuran produk service products was the first stage of digital
layanan perbankan digital yang diluncurkan banking service products, namely:
merupakan tahap pertama dari produk layanan
perbankan digital yaitu:
- Pembukaan Rekening secara digital - Digital account opening
- Produk Simpanan (tabungan dan deposito) - Deposit Products (savings and deposits)
- Produk Kartu Debit dan Pembayaran - Debit Card and Bill Payment Products
Tagihan
- Produk Pembayaran Tagihan dan transaksi - Bill Payment Products and other transactions
lainnya melalui teknologi QRIS via QRIS technology
Tahap kedua layanan perbankan digital telah The second stage of digital banking services
diterbitkan kepada nasabah secara terbatas was introduced to customers on a limited basis
pada tanggal 21 Februari 2022, yang kemudian on February 21, 2022, and was then launched
diluncurkan untuk nasabah pada tangggal 28 to existing customers on March 28, 2022. The
Maret 2022. Cakupan layanan perbankan digital coverage of the second stage of digital banking
tahap kedua layanan telah diterbitkan kepada service issued to customers on a limited basis,
nasabah secara terbatas, yang kemudian which was then launched to the general public
diluncurkan untuk masyarakat umum pada 30 on May 30, 2022, is:
Mei 2022, yang telah diluncurkan adalah:
- Produk Pinjaman: berupa LINE Bank Kredit - Loan Products: in the form of LINE Bank
Tanpa Agunan dan LINE Bank Quick Credit Unsecured Loan and LINE Bank Quick Loan
- Implementasi verifikasi biometric sebagai - Implementation of biometric verification as
proses pengecekan tambahan an additional checking process
2. Rencana Pengajuan sebagai Bank ACCD 2. Plan to apply as an ACCD Bank (Appointed
(Appointed Cross Currency Dealer) Cross Currency Dealer)
Bank telah mengajukan permohonan The Bank has submitted an application to
menjadi Bank ACCD Indonesia dalam rangka become an Indonesian ACCD Bank in the
pelaksanaan LCS (Local Currency Settlement) context of implementing LCS (Local Currency
Rupiah dan Korea Won untuk memenuhi Settlement) Rupiah and Korean Won to
ketentuan dalam Peraturan Bank Indonesia comply with the provisions in Bank Indonesia
Nomor 22/12/PBI/2020 tentang Penyelesaian Regulation Number 22/12/PBI/2020 concerning
Transaksi Bilateral Menggunakan Mata Uang Settlement of Bilateral Transactions Using Local
Lokal melalui Bank sebagaimana telah diubah Currency through Banks as amended by Bank
dengan Peraturan Bank Indonesia Nomor 23/9/ Indonesia Regulation Number 23/9/PBI/2021
PBI/2021 tentang Perubahan atas Peraturan concerning Amendments to Bank Indonesia
Bank Indonesia Nomor 22/12/PBI/2020 beserta Regulation Number 22/12/PBI/2020 and its
peraturan pelaksanaannya. Bank telah implementing regulations. The Bank has sent
mengirimkan Surat Permohonan kepada Bank an Application Letter to Bank Indonesia in May
Indonesia pada Mei 2023, saat ini Bank masih 2023, and currently the Bank is still waiting for
menunggu persetujuan Bank Indonesia. Bank Indonesia’s approval.
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Kode Etik
Code of Ethics
Kode Etik merupakan refleksi dari nilai-nilai Bank The Code of Ethics is a reflection of the Bank’s
serta sebagai pedoman yang berlaku untuk values and serves as a guideline that applies to
seluruh insan Bank dalam menjalankan tugas dan all Bank personnel in carrying out their duties
tanggung jawabnya, terhadap sesama karyawan, and responsibilities towards fellow employees,
pemerintah, komunitas, pelanggan, pemasok, government, communities, customers, suppliers,
pesaing, dan Pemegang Saham. competitors, and Shareholders.
Pokok-Pokok Kode Etik
Principles of the Code of Ethics
- Prinsip dasar sikap, perilaku & etika kerja; - Basic principles of attitude, behavior, and
- Norma-norma dan etika moral; work ethics;
- Disiplin kerja; - Moral norms and ethics;
- Batasan Kerja & Benturan kepentingan; - Work discipline;
- Kerahasiaan Dokumen Perusahaan - Work Limitations and Conflicts of interest;
- Tanggung jawab karyawan terhadap Bank/ - Confidentiality of Company Documents
nasabah/rekanan; - Employee responsibilities towards the Bank/
- Dokumen dan pencatatan; customers/partners;
- Hubungan dengan nasabah dan rekanan; - Documents and records;
- Penggunaan dan perlindungan terhadap - Relationships with customers and partners;
peralatan dan fasilitas Bank; - Use and protection of Bank equipment and
- Hak milik intelektual dan penggunaan nama facilities;
serta logo Bank; - Intellectual property rights and use of the
- Aktivitas politik, organisasi keagamaan dan Bank's name and logo;
organisasi masyarakat; - Political activities, religious organizations, and
- Penerimaan dan pemberian hadiah; community organizations;
- Pencucian uang & pendanaan terorisme; - Receiving and giving gifts;
- Insider trading; - Money laundering and terrorism financing;
- Pelecehan seksual; serta - Insider trading;
- Ketentuan lain-lain yang dilarang oleh - Sexual harassment; and
undang-undang. - Other provisions that are prohibited by law
Sosialisasi Kode Etik
Code of Ethics Socialization
- Orientasi karyawan baru; - New employee orientation;
- Sosialisasi dengan menggunakan media - Socialization using online and offline media.
online dan offline. - Education through e-learning facilities
- Pendidikan melalui fasilitas e-learning - Internal communication forum; and
- Forum komunikasi internal; serta - Other activities or media owned by the Bank
- Kegiatan atau media lainnya yang dimiliki
Bank.
Upaya Penegakan
Enforcement Efforts
Wajib dipatuhi seluruh pihak yang terkait All parties related to the Bank must
dengan Bank, yakni Pemegang Saham, Dewan comply, namely Shareholders, the Board
Komisaris, Direksi, karyawan, serta pemangku of Commissioners, the Board of Directors,
kepentingan lainnya yang tertuang di dalam employees, and other stakeholders, as stated in
Pakta Integritas. the Integrity Pact.
Penyampaian Pengaduan Pelanggaran
Submission of Violation Complaints
Divisi Human Resources Development Human Resources Development Division
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SISTEM WHISTLEBLOWING
WHISTLEBLOWING SYSTEM
Bank Hana telah menyempurnakan mekanisme Hana Bank has refined its whistleblowing
whistleblowing dalam rangka mengidentifikasi mechanism in order to identify cases of irregularities
terjadinya kasus-kasus penyimpangan terkait related to fraud, theft, corruption, and other criminal
dengan penipuan, pencurian, korupsi dan tindakan acts that are detrimental to customers or the
kejahatan lainnya yang merugikan nasabah atau Bank. The implementation of whistleblowing is a
Bank. Implementasi whistleblowing merupakan commitment to creating a clean work environment
komitmen untuk mewujudkan lingkungan kerja with integrity in the form of active participation in
yang bersih dan berintegritas dalam bentuk reporting violations committed by the Board of
partisipasi aktif untuk melaporkan pelanggaran Commissioners, Board of Directors, all levels of
yang dilakukan oleh Dewan Komisaris, Direksi, Management and employees (both permanent,
seluruh jajaran Manajemen dan karyawan (baik contract, and non-permanent employees), as well
karyawan tetap, kontrak, maupun tidak tetap), as external parties, but not limited to consultants,
serta pihak eksternal namun tidak terbatas pada advisors, outsourcers, vendors, or other parties who
konsultan, penasihat, outsourcing, vendor, atau work for and on behalf of Hana Bank.
pihak lain yang bekerja untuk dan atas nama Bank
Hana.
Media Penyampaian Pengaduan
Media for Submitting Complaints
https://www.hanabank.co.id ceowhitsleblowing@hanabank.co.id
Sistem Pelaporan berbasis web melalui link Email kepada Direktur Utama:
Web-based Reporting System via link Email to the President Director:
0800-1-515151 hanawhistleblowing@hanabank.co.id
WhatsApp
0855-7-151515 Email kepada Whistleblowing Officer:
Email to Whistleblowing Officer:
Telepon (bebas pulsa)
Telephone (toll free)
Perlindungan bagi Pelapor Protection for Whistleblowers
Manajemen memberikan perlindungan kepada Management provides protection to whistleblowers
pelapor (whistleblower) dan pihak-pihak internal and other internal parties who participate in the
lain yang turut serta dalam proses investigasi investigation process or verification of reports of
atau pembuktian laporan indikasi/kejadian fraud fraud indications/incidents so as to foster a sense
sehingga dapat menumbuhkan rasa aman bagi of security for employees or other internal parties
karyawan atau pihak internal lainnya secara umum. in general. The protection provided by the Bank to
Perlindungan yang diberikan oleh Bank kepada whistleblowers is in the form of:
pelapor adalah berupa:
1. Jaminan atas kerahasiaan identitas pelapor, 1. Guarantee of the confidentiality of the
dan perlindungan dari tindakan-tindakan whistleblower’s identity and protection from
yang akan merugikan bahkan membahayakan actions that would harm or even endanger the
whistleblower; whistleblower;
2. Jaminan keamanan atas seluruh informasi 2. Guarantee the security of all information
tentang indikasi/kejadian fraud yang regarding fraud indications/incidents that are
dilaporkannya; serta reported; an
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3. Jaminan perlindungan terhadap perlakuan 3. Guarantee of protection against treatment that
yang dapat merugikan, seperti pemutusan could be detrimental, such as unfair termination
hubungan kerja yang tidak adil, penurunan of employment, demotion of position or rank,
jabatan atau pangkat, diskriminasi dalam discrimination in all forms, and detrimental
segala bentuk dan catatan yang merugikan records in employee data files.
dalam file data karyawan.
Pihak Pengelola Pengaduan Party Managing the Complaint
Pihak yang menangani tindak lanjut dari pelaporan: The handling of follow-up actions for reporting is
divided among different units:
1. Divisi Internal Audit: menerima laporan dan 1. Internal Audit Division: Receives reports and
melakukan reviu awal untuk memastikan conducts initial reviews to ensure the accuracy
kebenaran laporan yang diterima. Setiap of the received reports. Each report received will
laporan yang diterima akan dikaji lebih lanjut be further examined and escalated according to
dan dieskalasi sesuai dengan jenis kasus yang the type of case reported.
dilaporkan.
2. Anti Fraud Unit: melakukan investigasi lebih 2. Anti Fraud Unit: Conducts further investigation
lanjut atas laporan dengan indikasi fraud. Hasil into reports indicating fraud. The results of
investigasi tersebut akan dipaparkan kepada these investigations will be presented to the
Komite Investigasi Fraud. Fraud Investigation Committee.
3. Department Manpower Management: 3. Manpower Management Department: Reviews
melakukan review atas laporan dengan indikasi reports indicating violations committed by
pelanggaran dilakukan oleh karyawan namun employees but not related to fraud. If necessary,
tidak terkait dengan fraud. Apabila diperlukan, the review results can be presented to the
hasil review dapat disampaikan pada Komite Human Capital Committee.
Human Capital.
Penanganan Pelaporan dari Whistleblower Handling of Whistleblower Reports:
· Investigasi • Investigation
Semua laporan pengaduan dengan indikasi All complaint reports indicating fraud will be
fraud akan dilakukan investigasi oleh unit kerja investigated by an independent unit, namely
independen, yaitu Anti Fraud Unit the Anti Fraud Unit.
· Pelaporan • Reporting
Setiap laporan yang diterima beserta hasil Every received report along with the
investigasi dilaporkan kepada Manajemen investigation results is periodically reported to
secara berkala. Management.
· Sanksi • Sanctions
Bank memberikan sanksi berupa tindakan The Bank imposes disciplinary actions on guilty
disiplin kepada karyawan yang bersalah, sesuai employees, following company regulations.
dengan peraturan perusahaan.
Laporan Pengaduan Pelanggaran Violation Complaint Report
Sepanjang periode tahun 2023, tidak terdapat Throughout the 2023 period, there were no reports
laporan atau pengaduan dari media whistleblowing or complaints from the whistleblowing media that
yang dinilai signifikan. were considered significant.
KEBIJAKAN ANTI PENYUAPAN DAN ANTI-BRIBERY AND CORRUPTION
KORUPSI POLICY
Bank Hana telah memiliki Kebijakan Anti Hana Bank has an Anti-Bribery and Corruption
Penyuapan dan Korupsi sebagai upaya pencegahan Policy as an effort to prevent cases of irregularities
terjadinya kasus-kasus penyimpangan yang that are detrimental to customers and/or the
merugikan nasabah dan/atau Bank. Kebijakan Bank. The Anti-Bribery and Corruption Policy is a
Anti Penyuapan dan Korupsi merupakan panduan guideline for conducting business honestly and
dalam pelaksanaan usaha dengan jujur dan tanpa without the use of corrupt practices and acts of
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penggunaan praktik-praktik korupsi dan tindakan- bribery to gain profits in an unhealthy way. This
tindakan suap untuk memperoleh keuntungan policy was prepared with the aim of:
dengan cara yang tidak sehat. Kebijakan ini disusun
dengan tujuan:
1. Membangun komitmen Bank Hana dalam 1. Building Hana Bank’s commitment to
melakukan bisnis secara transparan untuk conducting business transparently to
memenuhi kepatuhan terhadap hukum dan meet compliance with applicable laws and
peraturan yang berlaku; regulations;
2. Membangun kerangka dalam penanganan 2. Develop a framework for handling Anti-Bribery
Anti Penyuapan dan Korupsi yang menjadi and Corruption that serves as a guide for
pedoman bagi karyawan dalam mengelola employees in managing the risk of bribery and
risiko penyuapan dan korupsi; serta corruption; and
3. Sebagai pedoman dalam penanganan risiko 3. As a guideline for handling the risk of bribery
penyuapan dan korupsi dan tindakan yang and corruption, the actions to be taken are
akan diambil telah sebanding dengan tingkat commensurate with the level of risk faced.
risiko yang dihadapi.
Kebijakan Anti Penyuapan dan Korupsi berlaku The Anti-Bribery and Corruption Policy applies
bagi seluruh Dewan Komisaris, Direksi, seluruh to the entire Board of Commissioners, Board of
jajaran manajemen dan karyawan (baik karyawan Directors, all levels of management, and employees
tetap, kontrak, maupun tidak tetap), serta pihak (both permanent, contract, and non-permanent
eksternal namun tidak terbatas pada konsultan, employees), as well as external parties, but not
advisor, outsourcing, vendor atau pihak lain yang limited to consultants, advisors, outsourcers,
bekerja untuk dan atas nama Bank. vendors, or other parties who work for and on
behalf of the Bank.
Kebijakan Anti Penyuapan dan Korupsi mengatur The Anti-Bribery and Corruption Policy regulates:
terkait dengan:
1. Aktivitas dan kegiatan operasional Bank harus 1. Bank operations and activities must be carried
dilaksanakan secara jujur, sesuai norma hukum, out honestly and in accordance with applicable
moral dan etika yang berlaku; legal, moral, and ethical norms;
2. Bank tidak memberikan toleransi terhadap 2. The Bank does not tolerate all forms of bribery
segala bentuk penyuapan dan korupsi, baik and corruption, whether carried out by giving
yang dilakukan dengan memberikan kepada to other parties or receiving from other parties,
pihak lain maupun menerima dari pihak lain, and is committed to acting professionally, fairly,
serta berkomitmen untuk bertindak secara and with integrity in every transaction and
profesional, adil, dan berintegritas dalam setiap business relationship in all jurisdictions in which
transaksi dan hubungan usaha di seluruh the Bank operates; and
wilayah hukum di mana Bank beroperasi; serta
3. Bank melarang seluruh anggota Dewan 3. The Bank prohibits all members of the Board of
Komisaris, Direksi, dan seluruh karyawan, Commissioners, the Board of Directors, and all
termasuk seluruh pihak ketiga yang bekerja employees, including all third parties who work
untuk dan atas nama Bank untuk menawarkan for and on behalf of the Bank, from offering
dan/atau menerima suap serta pembayaran and/or accepting bribes and other payments
lain yang tidak sah baik secara hukum, moral, that are unlawful, whether legally, morally, or
maupun etika kepada/atau dari orang, badan, ethically, to/or from other people, bodies, and/or
dan/atau entitas lain. entities.
Program dan Prosedur Anti Penyuapan dan Anti-Bribery and Corruption Programs and
Korupsi Procedures
Untuk mencegah praktik suap dan korupsi, Bank To prevent bribery and corruption practices, Hana
Hana melakukan berbagai ketentuan, antara lain: Bank implements various provisions, including:
1. Pelatihan dan Komunikasi 1. Training and Communication
Pelatihan dan komunikasi yang kuat sangat Training and strong communications are critical
penting dalam pengelolaan program anti to managing an effective anti-bribery and
suap dan korupsi yang efektif. Komunikasi dan corruption program. Regular communication
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pelatihan yang diberikan secara berkala juga and training will also strengthen awareness and
akan memperkuat kesadaran dan mengerti understanding of Hana Bank’s commitment
komitmen Bank Hana untuk melakukan bisnis to conducting business honestly and not
secara jujur dan tidak menoleransi penyuapan tolerating bribery and corruption.
dan korupsi.
2. Pengendalian dan Pemantauan 2. Control and Monitoring
Seluruh risiko penyuapan dan korupsi All risks of bribery and corruption are identified
diidentifikasi dan dinilai. Kontrol harus didesain and assessed. Controls must be designed
untuk melindungi dan mendeteksi penyuapan to protect against and detect bribery and
dan korupsi. Peran serta aktif dari seluruh jajaran corruption. The active participation of all levels
manajemen Bank Hana dan seluruh karyawan of Hana Bank management and all employees
dalam melaporkan jika terdapat dugaan in reporting any allegations or suspicions of
atau kecurigaan terjadinya pelanggaran atas violations of this policy.
kebijakan ini.
3. Uji Tuntas 3. Due Diligence
Uji tuntas harus dilakukan secara komprehensif Due diligence must be carried out
dan secara berkala dengan menggunakan comprehensively and periodically using a risk-
pendekatan berdasarkan risiko pada semua based approach for all business partners who
rekan bisnis yang akan melakukan jasa untuk will perform services for or on behalf of Hana
atau atas nama Bank Hana. Uji tuntas yang Bank. Due diligence owned and carried out by
dimiliki dan dilaksanakan oleh Bank, antara lain: the Bank, includes:
a. Know Your Employee (KYE), yaitu uji tuntas a. Know Your Employee (KYE), namely due
terhadap calon karyawan maupun kepada diligence on prospective employees and
karyawan. employees.
b. Know Your Customers (KYC), yaitu uji tuntas b. Know Your Customers (KYC), namely due
terhadap calon nasabah dan rekanan. diligence on potential customers and
partners.
Uji tuntas dilakukan oleh Bank sebelum Due diligence is carried out by the Bank prior to
melakukan proses rekrutmen pegawai atau carrying out the employee recruitment process
bekerja sama dengan mitra dalam kegiatan or collaborating with partners in procurement
pengadaan, pemilihan agen, pemilihan activities, such as selecting agents, consultants,
konsultan, pemilihan kontraktor, vendor atau contractors, vendors, or other third parties, etc.
pihak ketiga lain, dan lain-lain.
Uji tuntas harus memastikan bahwa pihak Due diligence must ensure that third parties
ketiga yang melaksanakan hubungan dengan carrying out relationships with Hana Bank are
Bank Hana tidak sedang dalam perkara hukum, not involved in legal cases, involved in bribery,
terlibat penyuapan, kecurangan, pencucian fraud, money laundering, and/or indicated to
uang, dan/atau terindikasi memiliki konflik have a conflict of interest.
kepentingan.
Selain uji tuntas terhadap mitra, Bank Hana Apart from due diligence on partners, Hana
juga melakukan uji tuntas kepada pegawainya Bank also carries out due diligence on its
yang salah satu tujuannya adalah untuk employees, one of the aims of which is to reduce
mengurangi munculnya risiko kecurangan dan the risk of fraud and the risk of conflicts of
risiko benturan kepentingan dalam aktivitas interest in the Bank’s activities.
Bank.
4. Hadiah dan Hiburan 4. Gifts and Entertainment
Pertukaran hadiah dan hiburan merupakan The exchange of gifts and entertainment is a
praktik yang umum ketika membangun common practice when building relationships
hubungan dengan nasabah, namun perlu with customers, however, it should be noted
diperhatikan bahwa frekuensi dan nilai dari that the frequency and value of gifts or
hadiah atau hiburan dapat menciptakan entertainment can create the perception of
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persepsi dari atau penyuapan dan korupsi yang or actual bribery and corruption that will be
nyata yang akan merugikan Bank Hana dan detrimental to Hana Bank and the employees
karyawan yang terlibat. involved.
5. Gratifikasi 5. Gratification
Bank Hana melarang pemberian dan/atau Hana Bank prohibits giving and/or receiving
penerimaan gratifikasi, terutama gratifikasi gratuities, especially gratuities that violate
yang melanggar peraturan. Pemberian dan/ regulations. Giving and/or receiving gratuities
atau penerimaan gratifikasi harus dilakukan must be carried out in accordance with
sesuai dengan kebijakan Bank yang berlaku applicable Bank policies in the context of the
dalam rangka aktivitas usaha Bank sepanjang Bank’s business activities, as long as they do
tidak memengaruhi keputusan bisnis dan not influence business decisions and are of
dalam nilai yang wajar sesuai dengan batasan- reasonable value in accordance with the limits
batasan yang ditetapkan oleh kode etik set by the employee code of ethics.
karyawan.
6. Penilaian Risiko 6. Risk Assessment
Penilaian risiko harus dilakukan untuk A risk assessment must be carried out to identify
mengidentifikasi risiko penyuapan dan korupsi related risks of bribery and corruption across all
yang berkaitan di seluruh unit terkait. Penilaian relevant units. Risk assessment includes the
risiko memuat identifikasi dan pengendalian identification and control of risks that arise,
atas risiko yang timbul seperti risiko hukum, such as legal risks, operational risks, reputational
risiko operasional, risiko reputasi, risiko finansial, risks, financial risks, and other risks that may
dan risiko lain yang mungkin timbul termasuk arise, including identifying areas that are at risk
di dalamnya mengidentifikasi area yang or prone to corruption, for example, marketing,
berisiko atau rawan korupsi, contoh unit kerja production, human resources work units, and
pemasaran, produksi, sumber daya manusia finance. In general, the risk assessment must at
dan keuangan. Secara umum penilaian risiko least include:
setidaknya harus memuat:
a. Proses identifikasi risiko atas faktor risiko a. Risk identification process for material risk
yang bersifat material; factors;
b. Pendokumentasian hasil penilaian risiko b. Documentation of the results of
terhadap risiko ancaman, kerentanan, risk assessments regarding threats,
dan konsekuensi yang timbul atas proses vulnerabilities, and consequences arising
bisnis Bank. Hasil penilaian risiko harus from the Bank’s business processes. Risk
didokumentasikan, diperbarui, dan assessment results must be documented,
dievaluasi secara berkala. Hal ini penting updated, and evaluated periodically. This
dilakukan untuk memastikan agar Bank is important to ensure that the Bank can
dapat mengalokasikan sumber daya yang allocate appropriate resources in accordance
tepat sesuai dengan profil risiko yang telah with the risk profile that has been mapped;
dipetakan;
c. Pembaharuan proses penilaian risiko; c. Renewal of the risk assessment process;
d. Penyediaan informasi atas penilaian risiko d. Providing information on risk assessments to
terhadap otoritas berwenang terkait seperti relevant authorities such as the Corruption
KPK dan PPATK; Eradication Commission and PPATK;
e. Pemantauan proses penilaian risiko; dan e. Monitoring the risk assessment process; and
f. Evaluasi dan rekomendasi atas tindak lanjut f. Evaluation and recommendations for regular
proses penilaian risiko secara berkala. follow-up of the risk assessment process.
7. Pelaporan 7. Reporting
Seluruh karyawan, termasuk jajaran Direksi dan All employees, including the Board of Directors
Dewan Komisaris, diwajibkan untuk melaporkan and Board of Commissioners, are required
tentang adanya indikasi tindak pidana korupsi, to report any indications of criminal acts of
suap, pemerasan, atau bentuk pungli lainnya corruption, bribery, extortion, or other forms
yang dilakukan oleh karyawan, pihak ketiga of extortion committed by employees, third
ataupun oknum regulator dan/atau penegak parties, or regulatory and/or law enforcement
hukum. officials.
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8. Ketidakpatuhan terhadap Kebijakan Anti 8. Non-compliance with Anti-Bribery and
Penyuapan dan Korupsi Corruption Policies
Ketidakpatuhan terhadap kebijakan ini Non-compliance with this policy follows the
mengikuti peraturan yang ditetapkan dalam regulations stipulated in Hana Bank’s employee
kode etik karyawan Bank Hana. code of ethics.
Pelatihan/Sosialisasi Anti Penyuapan dan Anti-Bribery and Corruption Training/
Korupsi kepada Karyawan Socialization for Employees
Bank Hana berkomitmen untuk meningkatkan Bank Hana is committed to increasing awareness
kesadaran akar budaya beretika tinggi, taat of a high ethical culture, compliance, and discipline
dan disiplin terhadap hukum/peraturan di towards laws/regulations in carrying out work
dalam melaksanakan kegiatan kerja. Sebagai activities. As part of this commitment, Bank Hana
implementasinya, Bank Hana telah melakukan conducted a socialization of the Anti-Bribery and
sosialisasi Kebijakan Anti Penyuapan dan Korupsi Corruption Policy to all Bank Hana employees on
kepada seluruh karyawan Bank Hana pada tanggal August 8, 2023.
8 Agustus 2023.
Bank Hana juga memasukkan modul pelatihan Additionally, Bank Hana has incorporated an Anti-
Anti Bribery and Corruption (ABC) pada aplikasi Bribery and Corruption (ABC) training module into
pelatihan internal Bank dan bersifat Mandatory the Bank’s internal training application, which is
untuk seluruh karyawan Bank Hana. mandatory for all Bank Hana employees.
PENYIMPANGAN INTERNAL (INTERNAL INTERNAL FRAUD
FRAUD)
Manajemen terus berupaya untuk menerapkan Management continues to strive to implement the
prinsip zero tolerance to fraud dengan memberikan principle of zero tolerance for fraud by providing
tindakan kedisiplinan yang tegas sesuai dengan firm disciplinary action in accordance with
ketentuan yang berlaku terhadap tindakan fraud applicable regulations regarding acts of fraud by
oleh karyawan, dengan tujuan untuk memberikan employees, with the aim of providing a deterrent
efek jera kepada pelaku fraud. Untuk mencegah effect to perpetrators of fraud. To prevent fraud,
terjadinya fraud, Bank Hana melalui Unit Anti- Hana Bank through the Anti-Fraud Unit, always
Fraud senantiasa mengkaji, menganalisis dan reviews, analyzes, and improves internal control
memperbaiki proses pengendalian internal, processes, fosters a culture of caring about fraud
budaya peduli risiko fraud, dan memberdayakan risks, and empowers the whistleblowing system.
whistleblowing system. Hal ini sejalan dengan This is in line with Hana Bank’s corporate values,
corporate value Bank Hana yaitu Integrity & Morality namely Integrity & Morality, which include:
yang meliputi:
- Melakukan apa yang benar walaupun tidak ada • Do what is right even if no one is seing or
yang melihat dan mengawasi. watching.
- Jujur dan profesional • Honest and professional
- Penuh dengan tanggung jawab • Full of responsibility
- Menjunjung tinggi standar etika dan moral. • Uphold high ethical and moral standards.
Sepanjang tahun 2023, tidak ditemukan kejadian Throughout 2023, there were no incidents of fraud
fraud yang dilakukan oleh karyawan committed by employees.
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Jumlah Penyimpangan Internal
Number of Internal Fraud
Jumlah Kasus yang Dilakukan oleh
Number of Cases Committed By
Anggota Dewan
Internal Fraud
Komisaris dan Anggota Pegawai Tidak Tetap
dalam 1 Tahun Pegawai Tetap
Direksi Non-Permanent
Internal Fraud in 1 Year Permanent Employees
Members of BOC and Employees
Members of BOD
2023 2022 2023 2022 2023 2022
Total Fraud - - - 2 - -
Telah Diselesaikan - - - 2 - -
Resolved
Dalam Proses - - - - - -
Penyelesaian di Internal
Bank
In the Bank Internal
Settlement Process
Belum Diupayakan - - - - - -
Penyelesaian
No Resolution Effort Yet
Telah Ditindaklanjuti - - - - - -
melalui Proses Hukum
Have been followed up
through the legal process
Setiap kejadian fraud yang diterima dari berbagai Every fraud incident received from various
sumber oleh Unit Anti-Fraud, seperti media sources by Hana Bank’s Anti-Fraud Unit, such
pelaporan pelanggaran (whistleblowing), temuan as whistleblowing, findings from Internal Audit,
dari Internal Audit, identifikasi oleh Manajemen identification by Management, and other sources,
dan sumber lainnya, maka Unit Anti-Fraud Bank the Hana Bank Anti-Fraud Unit immediately
Hana segera menindaklanjutinya. Unit tersebut follows up. This unit carries out investigations and
melakukan investigasi, evaluasi, dan mengambil evaluations and takes necessary actions, including
tindakan yang diperlukan, termasuk di dalamnya providing recommendations to related units or
memberikan rekomendasi kepada unit atau departments.
departemen terkait.
Hasil temuan Unit Anti-Fraud berkaitan dengan The results of the Anti-Fraud Unit’s findings
kejadian fraud beserta upaya tindak lanjut relating to fraud incidents and follow-up efforts for
penyelesaian dilaporkan kepada Pengawas Otoritas resolution are reported to the Financial Services
Jasa Keuangan setiap semester melalui Laporan Authority Supervisor every semester through
Penerapan Strategi Anti Fraud. Kejadian fraud the Anti-Fraud Strategy Implementation Report.
signifikan, yang berpotensi memengaruhi aktivitas Significant fraud incidents, which have the
usaha Bank Hana serta menjadi perhatian publik, potential to affect Hana Bank’s business activities
dilaporkan kepada Otoritas Jasa Keuangan paling and attract public attention, are reported to the
lambat 3 (tiga) hari setelah Bank Hana mengetahui Financial Services Authority no later than 3 (three)
kejadian fraud tersebut. days after Hana Bank becomes aware of the fraud
incident.
Unit Anti-Fraud efektif berada di bawah The Anti-Fraud Unit has been effectively under
Manajemen Risiko Group sejak Juli 2020 dan Group Risk Management since July 2020 and
bertugas menangani penerapan strategi anti fraud is tasked with handling the implementation
yang menyeluruh di Bank. Aktivitas yang dimaksud of a comprehensive anti-fraud strategy at the
dilaksanakan dengan prinsip kehati-hatian dan Bank. The activities in question are carried out
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mengutamakan kerahasiaan informasi dengan with the principle of caution and prioritizing the
membatasi akses hanya kepada unit kerja yang confidentiality of information by limiting access
ditunjuk sebagai anggota Unit Anti-Fraud dan to only work units designated as members of the
pihak terkait dalam proses penanganan fraud. Anti-Fraud Unit and related parties in the fraud
handling process.
TRANSPARANSI KONDISI KEUANGAN TRANSPARENCY OF FINANCIAL AND
DAN NON-KEUANGAN NON-FINANCIAL CONDITIONS
Dalam rangka implementasi prinsip GCG, In order to implement GCG principles, especially
khususnya prinsip transparansi, penerapan Basel II, transparency principles, application of Basel II,
khususnya pilar 3 (market discipline), serta sejalan especially pillar 3 (market discipline), and in line
dengan perkembangan standar internasional, with developments in international standards, an
maka diperlukan kebijakan internal yang mengatur internal policy is needed that comprehensively
secara komprehensif mengenai laporan-laporan regulates reports related to the transparency of
terkait transparansi kondisi keuangan dan non- financial and non-financial conditions.
keuangan.
Transparansi Kondisi Keuangan Bank Hana Transparency of Hana Bank’s Financial
Condition
Transparansi keuangan dilakukan Bank Financial transparency is carried out by the Bank
dalam bentuk Laporan Tahunan dan Laporan in the form of Annual Reports and Financial
Keuangan yang dipublikasikan dan diumumkan Statements, which are published and announced
melalui surat kabar berbahasa Indonesia yang through Indonesian language newspapers with
memiliki peredaran luas. Laporan secara berkala wide circulation. Regular reports are submitted
disampaikan ke regulator dan laporan keuangan to regulators, and annual financial statements
tahunan yang telah diaudit oleh KAP, dilaporkan that have been audited by PAF are reported to
ke regulator dan institusi-institusi terkait sesuai regulators and related institutions in accordance
ketentuan dan kebijakan yang berlaku. Laporan with applicable regulations and policies. The
keuangan triwulanan, tahunan, dan laporan GCG quarterly and annual financial statements and GCG
dapat diakses dalam homepage Bank Hana www. reports can be accessed on the Hana Bank website,
hanabank. co.id dan dengan demikian profil Bank www.hanabank.co.id, allowing the Bank’s profile to
dapat dengan mudah diakses oleh masyarakat be easily accessed by the wider community.
luas.
Transparansi Kondisi Non-Keuangan Bank Transparency of Hana Bank’s Non-Financial
Hana Conditions
Transparansi non-keuangan dilakukan Bank Non-financial transparency is carried out by the
melalui informasi tertulis yang memuat Bank through written information containing the
karakteristik setiap produk Bank yang memenuhi characteristics of each Bank product that meets
persyaratan minimal sebagaimana ditentukan baik the minimum requirements as determined in
dalam bentuk brosur, leatflet, dan banner maupun the form of brochures, leaflets, and banners, as
dari situs web Bank, iklan melalui media sosial dan well as from the Bank’s website, advertisements
papan reklame. Terdapat pula layanan pengaduan via social media, and billboards. There is also a
nasabah baik melalui layanan telepon Call Hana customer complaint service either via the Call Hana
maupun pengaduan langsung nasabah ke kantor telephone service or direct customer complaints to
cabang. branch offices.
Bank Hana telah memiliki kebijakan dan prosedur Hana Bank has policies and procedures regarding
mengenai tata cara pelaksanaan transparansi procedures for implementing transparency of
kondisi keuangan dan non-keuangan, sebagaimana financial and non-financial conditions, as stated in
tertuang dalam Surat Keputusan Direksi No. 34/147/ Board of Directors’ Decree No. 34/147/DIR/SK dated
DIR/SK tanggal 19 Desember 2022. December 19, 2022.
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PEMBERIAN DANA UNTUK KEGIATAN PROVISION OF FUNDS FOR SOCIAL
SOSIAL DAN KEGIATAN POLITIK ACTIVITIES AND POLITICAL ACTIVITIES
Bank Hana telah melaksanakan kegiatan Hana Bank has consistently carried out social and
tanggung jawab sosial dan lingkungan secara environmental responsibility activities as regulated
konsisten sebagaimana diatur dalam Undang- in the Law on Limited Liability Companies. Hana
undang mengenai Perseroan Terbatas. Bank Hana Bank has also implemented a series of processes
juga telah melaksanakan serangkaian proses or activities to improve financial literacy programs,
atau kegiatan untuk meningkatkan program namely carrying out banking education activities
literasi keuangan, yaitu melakukan kegiatan in accordance with Financial Services Authority
edukasi perbankan sesuai Peraturan Otoritas Regulation No. 76/POJK.07/2016 concerning
Jasa Keuangan No. 76/POJK.07/2016 tentang Increasing Financial Literacy and Inclusion in the
Peningkatan Literasi dan Inklusi Keuangan di Financial Services Sector for Consumers and/or
Sektor Jasa Keuangan Bagi Konsumen dan/ the Public, as well as Financial Services Authority
atau masyarakat, serta Surat Edaran Otoritas Circular Letter No. 1/SEOJK.07/2014 concerning
Jasa Keuangan No. 1/SEOJK.07/2014 tentang Implementation of Education in the Context of
Pelaksanaan Edukasi dalam rangka Meningkatkan Increasing Financial Literacy for Consumers and/or
Literasi Keuangan kepada Konsumen dan/atau the Community.
Masyarakat.
Bank Hana telah melakukan kegiatan edukasi Hana Bank has carried out 10 banking education
perbankan sebanyak 10 kali. Bank Hana juga activities. Hana Bank has also established a banking
membentuk program edukasi perbankan dengan education program with the aim of increasing
tujuan meningkatkan pemahaman publik public understanding of the Bank’s functions. In
mengenai fungsi Bank. Pada tahun 2023, Bank 2023, the Bank implemented a financial education
telah melaksanakan program edukasi keuangan program face-to-face and through the Bank’s social
secara tatap muka dan melalui media sosial Bank, media, namely Instagram, Facebook, and YouTube.
yaitu Instagram, Facebook, dan juga Youtube. Bank The Bank provides information to the wider public
memberikan informasi kepada masyarakat luas regarding:
mengenai:
1. Mengenal Perbankan Digital; 1. Get to know Digital Banking;
2. Edukasi Finansial: GPN dan VISA 2. Financial Education: GPN and VISA
3. Memilih investasi bagi milenial; 3. Choosing investments for millennials;
4. Mengenal layanan dan produk perbankan 4. Get to know banking services and products for
untuk anak-anak; serta children; and
5. Edukasi Smishing. 5. Smishing Education.
Informasi lebih lengkap mengenai kegiatan More complete information regarding social and
tanggung jawab sosial dan lingkungan serta environmental responsibility activities as well as
pelaksanaan literasi keuangan dapat dilihat pada the implementation of financial literacy can be
bab Tanggung Jawab Sosial Perusahaan dalam seen in the Corporate Social Responsibility chapter
Laporan Tahunan ini. of this Annual Report.
Selain itu, sepanjang tahun 2023, Bank Hana tidak Apart from that, throughout 2023, Hana Bank
pernah melakukan pendanaan kegiatan politik has never funded political activities or activities
ataupun kegiatan yang terafiliasi dengan partai affiliated with political parties.
politik.
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PENERAPAN ATAS PEDOMAN TATA IMPLEMENTATION OF PUBLIC
KELOLA PERUSAHAAN TERBUKA COMPANY GOVERNANCE GUIDELINES
Pernyataan Mengenai Rekomendasi yang Statement Regarding Recommendations That
Telah Dilaksanakan Have Been Implemented
Berdasarkan POJK No. 21/POJK.04/2015 tentang Based on POJK No. 21/POJK.04/2015 regarding the
Penerapan Pedoman Tata Kelola Perusahaan Implementation of Guidelines for Public Company
Terbuka dan SEOJK No. 32/SEOJK.04/2015 tentang Governance and SEOJK No. 32/SEOJK.04/2015
Pedoman Tata Kelola Perusahaan Terbuka, Bank regarding Guidelines for Public Company
Hana tidak termasuk dalam kategori Perusahaan Governance, Bank Hana is not classified as a Public
Terbuka. Dengan demikian, pengungkapan Company. Accordingly, the disclosures referred to
yang dimaksud dalam regulasi tersebut tidak in the regulation are not presented in this Annual
disampaikan dalam Laporan Tahunan ini. Report.
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Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility
Page 453
Selain mempublikasikan informasi penerapan CSR, Bank Hana juga mengeluarkan Laporan Keberlanjutan sesuai dengan Peraturan OJK Nomor 51/ POJK.03/2017 tentang Penerapan Keuangan Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten, dan Perusahaan Publik yang disampaikan dalam buku terpisah. Apart from publishing information on implementing CSR, Hana Bank also issues a Sustainability Report in accordance with OJK Regulation Number 51/POJK.03/2017 concerning the Implementation of Sustainable Finance for Financial Services Institutions, Issuers and Public Companies, which is submitted in a separate book.
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Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Penerapan tanggung jawab sosial perusahaan The implementation of Corporate Social
atau Corporate Social Responsibility (CSR) yang Responsibility (CSR) by PT Bank KEB Hana
dilaksanakan oleh PT Bank KEB Hana Indonesia Indonesia (“Hana Bank,” “Bank”) reflects the Bank’s
(“Bank Hana”, “Bank”) merupakan wujud dari dedication to balancing economic, social, and
komitmen Bank untuk menyelaraskan kepentingan environmental concerns in its business operations.
ekonomi, sosial, lingkungan dalam kegiatan usaha The initiative is implemented through a range of
Bank. Inisiatif tersebut dilaksanakan melalui sustainability programs aimed at enhancing the
berbagai program keberlanjutan yang diharapkan quality of life and well-being of its stakeholders.
dapat memberikan dampak terhadap peningkatan
kualitas hidup dan kesejahteraan para pemangku
kepentingan.
Selain itu, Bank Hana mendukung penuh In addition, Hana Bank is fully committed to
penerapan praktik keuangan berkelanjutan supporting the implementation of sustainable
yang telah ditetapkan oleh regulator. Dalam finance practices as mandated by regulators.
penerapannya, Bank mengembangkan dan The Bank prioritizes environmental preservation
mengoptimalkan pengelolaan risiko yang berpihak and proactively addresses climate change by
pada pelestarian lingkungan dalam rangka developing and optimizing risk management in its
mengantisipasi perubahan iklim. application.
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Prinsip Umum dan Kebijakan
Penerapan CSR
General Principles and Policy to Implement CSR
Dalam menjalankan kegiatan usaha, Bank The Bank is committed to delivering value and
berkomitmen untuk memberikan nilai dan creating a positive impact for its stakeholders
dampak positif bagi para pemangku kepentingan. through its business activities. Thus, the Bank
Karena itu, Bank mengedepankan penerapan places great importance on incorporating
prinsip-prinsip keberlanjutan dalam pelaksanaan sustainability principles into the implementation of
CSR. CSR initiatives.
Adapun pelaksanaan kegiatan CSR tersebut, The implementation of CSR activities is based on
didasari oleh beberapa peraturan, antara lain: several regulations, among others:
1. Undang-Undang No. 1 Tahun 1970 tentang 1. Law No. 1 of 1970 on Occupational Safety;
Keselamatan Kerja;
2. Undang-Undang No. 23 Tahun 1992 tentang 2. Law No. 23 of 1992 on Health;
Kesehatan;
3. Undang-Undang No. 13 Tahun 2003 tentang 3. Law No. 13 of 2003 on Manpower;
Ketenagakerjaan;
4. Undang-Undang No. 40 Tahun 2007 tentang 4. Law No. 40 of 2007 on Limited Liability
Perseroan Terbatas; Companies;
5. Undang-Undang No. 25 Tahun 2007 tentang 5. Law No. 25 of 2007 on Investment;
Penanaman Modal;
6. Undang-Undang No. 32 Tahun 2009 tentang 6. Law No. 32 of 2009 on Environmental Protection
Perlindungan dan Pengelolaan Lingkungan and Management;
Hidup;
7. Undang-Undang No. 24 Tahun 2011 tentang 7. Law No. 24 of 2011 on Social Security Agency;
Badan Penyelenggara Jaminan Sosial;
8. Peraturan Pemerintah No. 27 Tahun 2012 8. Government Regulation No. 27 of 2012 on
tentang Izin Lingkungan; Environmental Permit;
9. Peraturan Pemerintah No. 50 Tahun 2012 9. Government Regulation No. 50 of 2012 on
tentang Penerapan Sistem Manajemen Implementation of Occupational Health and
Keselamatan dan Kesehatan Kerja; Safety Management System;
10. Peraturan Pemerintah No. 47 Tahun 2012 10. Government Regulation No. 47 of 2012 on Social
tentang Tanggung Jawab Sosial dan and Environmental Responsibility for Limited
Lingkungan Perseroan Terbatas; Liability Companies;
11. Peraturan Otoritas Jasa Keuangan No. 76/ 11. Financial Services Authority Regulation No. 76/
POJK.07/2016 tentang Peningkatan Literasi dan POJK.07/2016 on Improvement of Financial
Inklusi Keuangan di Sektor Jasa Keuangan bagi Literacy and Inclusion in the Financial Services
Konsumen dan/atau Masyarakat; Sector for Consumers and/or Communities;
12. Peraturan Menteri Tenaga Kerja No. 05/Men/1996 12. Minister of Manpower Regulation No. 05/
tentang Sistem Manajemen Keselamatan dan Men/1996 on Occupational Health and Safety
Kesehatan Kerja (SMK3); dan Management System (OHSMS); and
13. Peraturan Otoritas Jasa Keuangan No. 76/ 13. Financial Services Authority Regulation No. 76/
POJK.07/2016 tentang Peningkatan Literasi dan POJK.07/2016 on Improvement of Financial
Inklusi Keuangan di Sektor Jasa Keuangan bagi Literacy and Inclusion in the Financial Services
Konsumen dan/atau Masyarakat. Sector for Consumers and/or Communities.
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Tanggung Jawab Terhadap
Kelangsungan Sosial dan Lingkungan
Responsibility for Social and Environmental Sustainability
Bank Hana terus berupaya untuk memberikan Hana Bank continuously strives to make a positive
kontribusi positif secara berkesinambungan contribution on an ongoing basis to social activities
terhadap kegiatan sosial dan pelestarian and environmental preservation. The Bank plays
lingkungan hidup. Bank juga memiliki peran a crucial role in driving sustainable development,
untuk mewujudkan pembangunan berkelanjutan fostering economic stability, inclusiveness, and
dengan berkontribusi pada stabilitas dan promoting a harmonious balance between the
inklusivitas ekonomi dengan mengedepankan economic, social, and environmental aspects.
keselarasan antara aspek ekonomi, sosial, dan
lingkungan hidup.
Salah satu upaya Bank untuk memastikan As part of its commitment to social and
kelangsungan sosial dan lingkungan, antara lain environmental sustainability, the Bank takes
melalui penyaluran kredit dengan penerapan proactive measures such as lending and
manajemen risiko lingkungan hidup dan sosial. implementing environmental and social risk
Dengan demikian, kegiatan usaha Bank dapat management. The Bank’s business activities have
memberikan nilai tambah, baik kepada seluruh the potential to create value for all shareholders
Pemegang Saham dan pemangku kepentingan and stakeholders, while also contributing to the
Bank, serta bagi kelangsungan aspek sosial dan sustainability of social and environmental aspects
lingkungan hidup di Indonesia. in Indonesia.
Kebijakan dan Langkah Strategis Policy and Strategic Steps
Strategi bisnis Bank Hana telah memuat Hana Bank incorporates social and environmental
perencanaan, kebijakan, dan langkah strategis plans, policies, and strategic measures into
dalam bidang sosial dan lingkungan. Rancangan its business strategy. The draft strategy
strategi tersebut membahas seluruh aktivitas Bank comprehensively covers the Bank’s involvement
dalam berbagai topik sosial dan lingkungan, di in a range of social and environmental issues,
antaranya mengenai wujud pengembangan dan encompassing development, community welfare,
kepedulian terhadap masyarakat, lingkungan, hak environmental stewardship, human rights,
asasi manusia, tempat kerja, etika bisnis, tata kelola workplace standards, ethical business practices,
perusahaan yang baik, serta keberlanjutan. corporate governance, and sustainability.
Sebagai implementasi, saat menyalurkan When extending credit, the Bank consistently
kredit, Bank senantiasa memperhatikan prioritizes prudential principles and risk
prinsip kehati-hatian dan aspek manajemen management aspects to ensure responsible
risiko. Bank melakukan mitigasi risiko dengan implementation. The Bank effectively manages
melakukan diversifikasi dalam penyaluran kredit risk by strategically diversifying lending across
berdasarkan pengelompokan debitur maupun different groups of debtors and industries, while
jenis bisnis/industri yang akan dibiayai, kemudian also implementing limits on individual and
menetapkan limit pada segmen debitur individual corporate debtor segments. This can help reduce
maupun korporasi. Hal ini dapat meminimalisir the potential for losses on a portfolio level in the
risiko kerugian secara portofolio jika mengalami event of an economic downturn.
penurunan kondisi ekonomi.
Bank terus mengupayakan penyaluran kredit The Bank offers loans to debtors based on the 12
yang sesuai dengan 12 kategori kegiatan usaha categories of sustainable business activities (KKUB)
berkelanjutan (KKUB) pada rencana strategis specified in the Bank’s strategic plan. During the
Bank. Bank juga mengacu kepada exclusion list financing process, the Bank also takes into account
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yang telah ditetapkan dalam melakukan proses the set exclusion list. Therefore, lending is crucial
pembiayaan, sehingga pemberian kredit tetap for upholding the sustainability of social and
menjaga keberlangsungan kondisi sosial dan environmental conditions.
lingkungan hidup.
Program manajemen sosial dan lingkungan ini The social and environmental management
senantiasa diterapkan pada seluruh aktivitas, program is consistently implemented across all
produk, dan jasa Bank. Bank juga telah menerapkan activities, products, and services of the Bank.
beberapa langkah strategis agar program- The Bank has taken various strategic measures
program yang telah direncanakan dapat terealisasi to ensure the successful implementation of the
dengan baik. Langkah-langkah strategis tersebut planned programs. Hana Bank has implemented
telah dilakukan Bank Hana secara bijaksana dan strategic measures in a careful and conscientious
bertanggung jawab dalam mengatasi penyaluran manner to address lending practices that have
kredit yang berdampak negatif terhadap aspek adverse effects on social and environmental factors.
sosial dan lingkungan.
Identifikasi Risiko dan Dampaknya Risk Identification and the Impacts
Bank Hana juga turut memperhatikan risiko- Hana Bank carefully considers the potential
risiko yang berpotensi timbul dari pelaksanaan risks that may arise from the implementation of
kegiatan CSR, baik risiko sosial, ekonomi, ataupun CSR activities, including social, economic, and
lingkungan. Dalam memitigasi hal tersebut, environmental factors. The Bank has a dedicated
Bank telah memiliki Unit Kerja Perkreditan yang Credit Unit that oversees the monitoring,
bertanggung jawab dalam mengawasi, mencegah, prevention, and mitigation of risks associated with
dan memitigasi risiko yang ditimbulkan dari CSR activities. The Credit Unit operates under the
kegiatan CSR tersebut. Secara struktural, Unit Kerja supervision of Hana Bank’s Risk Management Unit
Perkreditan berada di bawah pengawasan Satuan (SKMR).
Kerja Manajemen Risiko (SKMR) Bank Hana.
SKMR juga memiliki tugas dan tanggung jawab SKMR also has duties and responsibilities related to
terkait pengendalian risiko di bidang sosial serta risk control in the social and environmental fields,
lingkungan, antara lain: among others:
1. Sebagai koordinator pelaksanaan manajemen 1. As coordinator for the implementation of
risiko lingkungan hidup dan sosial (E&S environmental and social risk management
Coordinator); (E&S Coordinator);
2. Mengembangkan prosedur dan alat untuk 2. Developing procedures and tools for the
identifikasi, pengukuran, pemantauan, dan identification, measurement, monitoring, and
pengendalian risiko lingkungan hidup dan control of environmental and social risks;
sosial;
3. Mendesain dan menciptakan perangkat yang 3. Designing and creating the tools required for
dibutuhkan dalam penerapan manajemen the implementation of environmental and
risiko lingkungan hidup dan sosial; social risk management;
4. Memantau implementasi kebijakan, strategi, 4. Monitoring the implementation of risk
dan kerangka manajemen risiko yang management policy, strategy, and framework
direkomendasikan oleh Komite Manajemen recommended by the Risk Management
Risiko dan yang telah disetujui oleh Direksi; Committee and those approved by the Board of
Directors;
5. Memantau posisi/eksposur risiko secara 5. Monitoring overall and individual risk position/
keseluruhan maupun per risiko, termasuk exposure, including compliance with the
pemantauan kepatuhan terhadap toleransi established risk tolerance and limit; and
risiko dan limit yang ditetapkan; serta
6. Memberikan rekomendasi kepada satuan kerja 6. Providing recommendations to the business
bisnis dan/atau kepada Komite Manajemen unit and/or Risk Management Committee on the
Risiko terkait penerapan manajemen risiko, implementation of risk management, including
antara lain mengenai besaran atau maksimum the amount or maximum risk exposure that can
eksposur risiko yang dapat dipelihara Bank. be maintained by the Bank.
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Berikut ini diuraikan 3 (tiga) aspek mengenai The 3 aspects of Hana Bank’s risk management on
pengelolaan risiko penyaluran kredit Bank Hana. lending are as follows:
Pengelolaan Risiko
Risk Management
PENYALURAN KREDIT TERHADAP PROYEK YANG BELUM DIKETAHUI DAPAT
MENYEBABKAN DAMPAK SOSIAL DAN LINGKUNGAN.
LENDING TO A PROJECT WITH UNKNOWN SOCIAL AND ENVIRONMENTAL IMPACTS.
Peran audit sosial dan lingkungan yang tepat dapat meminimalkan risiko penyaluran kredit
terhadap proyek yang belum diketahui dampak sosial lingkungannya. Proses identifikasi risiko
dilakukan dengan menggunakan data terakhir pada aspek lingkungan dan sosial dengan
tingkat keakuratan yang memadai untuk mengantisipasi dampak yang mungkin timbul di
masa mendatang. Terkait kasus yang diakibatkan oleh risiko dan dampak pada area proyek oleh
tindakan pihak ketiga, klien dapat menunjukkan bahwa risiko dan dampak tersebut sepadan
dengan perbuatannya dengan tetap memperhatikan ada tidaknya konflik kepentingan.
Implementing a thorough social and environmental audit role can help mitigate credit risk
associated with projects that have uncertain social and environmental effects. Risk can be
identified by analyzing the most recent data on environmental and social aspects with the
necessary precision to anticipate potential future impacts. When it comes to any situation where
the project area is at risk due to the actions of a third party, the client can determine if the action
is justified by assessing if there is any conflict of interest.
PENYALURAN KREDIT TERHADAP PROYEK YANG BELUM DIKETAHUI DAPAT
MENYEBABKAN DAMPAK SOSIAL DAN LINGKUNGAN.
LENDING TO PREVIOUSLY-KNOWN PROJECT AND MAY CAUSE SOCIAL AND
ENVIRONMENTAL IMPACTS.
Bilamana proyek yang akan dibiayai dari penyaluran kredit Bank memiliki dampak sosial
dan lingkungan, maka akan dilakukan identifikasi risiko beserta dampaknya. Hal ini akan
memengaruhi hasil dan kesimpulan yang akan diambil. Adapun proses identifikasi ini melibatkan
studi atau penilaian yang dilakukan oleh pihak ketiga, seperti institusi pemerintah ataupun
pihak lain.
If the project to be financed by the Bank’s lending has social and environmental impacts, the risks
and the impacts will be identified, which will affect the result and conclusion. The identification
will include a third-party study or assessment conducted by government institutions or other
parties.
PENYALURAN KREDIT TERHADAP PROYEK YANG TELAH DIKETAHUI SEBELUMNYA
YANG DAPAT MENIMBULKAN DAMPAK SOSIAL DAN LINGKUNGAN TERHADAP
INDIVIDU ATAU KELOMPOK.
LENDING TO PREVIOUSLY-KNOWN PROJECT THAT MAY CAUSE SOCIAL AND
ENVIRONMENTAL IMPACTS ON INDIVIDUALS OR GROUPS.
Bank berupaya untuk meminimalkan penyaluran kredit terhadap proyek yang telah diketahui
sebelumnya dapat menimbulkan dampak sosial dan lingkungan terhadap individu atau
kelompok. Adapun pengajuan kredit pada proyek yang telah diketahui sebelumnya dapat
menimbulkan dampak sosial, maka Bank akan melaksanakan identifikasi risiko yang lebih serius
dengan tetap memperhatikan rekam jejak sebelumnya.
The Bank strives to limit lending to well-known projects that may have social and environmental
consequences for individuals or groups. If the lending is for a previously known project that
has had a social impact, the Bank will conduct a more thorough risk assessment and review its
previous track record.
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Penerapan Mitigasi Risiko Sosial dan Social and Environmental Risk Mitigation
Lingkungan pada Bank within the Bank
Bank telah menyusun daftar pengecualian The Bank has prepared an exclusion list in the
(exclusion list) dalam Kebijakan Kredit Bank Hana Hana Bank Credit Policy for industry sectors that
untuk sektor industri yang tidak diperbolehkan are not allowed to be financed in order to prevent
dibiayai dalam rangka pencegahan timbulnya social and environmental risks. The Bank also has a
risiko pada bidang sosial dan lingkungan. Bank special social and environmental risk management
juga telah memiliki kebijakan khusus manajemen policy related to lending activities that refers to the
risiko sosial dan lingkungan hidup terkait aktivitas IFC standards.
perkreditan yang mengacu kepada standar dari
IFC.
Esensi dari penerapan manajemen risiko sosial The essence of social and environmental risk
dan lingkungan hidup adalah pada kecukupan management is to ensure the adequacy of risk
prosedur dan metodologi pengelolaan risiko management procedures and methodologies
sehingga kegiatan usaha Bank tetap dapat to control the Bank’s business activities within
terkendali pada batas yang dapat diterima dan acceptable limits and to provide benefits to the
dapat memberi keuntungan pada Bank. Secara Bank. In general, environmental and social risk
umum proses kerja manajemen risiko lingkungan management includes the process of identifying,
hidup dan sosial mencakup proses identifikasi, measuring, monitoring, and controlling the social
pengukuran, pemantauan, dan pengendalian atas and environmental risks that arise due to loan
risiko yang timbul terkait lingkungan hidup dan activities.
sosial dari aktivitas perkreditan.
Kategori Risiko Lingkungan Hidup dan Sosial
Environmental and Social Risk Category
KATEGORI A - RISIKO TINGGI
CATEGORY A – HIGH RISK
Transaksi dengan dampak lingkungan dan sosial merugikan yang signifikan, sensitif, beragam,
atau belum pernah terjadi sebelumnya. Potensi dampak dianggap sensitif jika tidak dapat
diubah (seperti hilangnya habitat alami utama), memengaruhi kelompok rentan atau etnis
minoritas, melibatkan pemindahan paksa dan pemukiman kembali, atau mempengaruhi situs
warisan budaya yang signifikan.
Transactions with significant, sensitive, diverse, or unprecedented adverse environmental and
social impacts. Potential impacts are considered sensitive if they are irreversible (such as loss
of key natural habitat), affect vulnerable groups or minorities, involve forced displacement and
resettlement, or affect significant cultural heritage sites.
KATEGORI B - RISIKO MENENGAH
CATEGORY B – MEDIUM RISK
Transaksi biasanya dengan aktivitas bisnis dengan dampak lingkungan dan sosial tertentu yang
jumlahnya sedikit, umumnya lokasi spesifik, sebagian besar dapat dibalik dan dapat segera
ditangani melalui tindakan dan praktik terbaik internasional. Potensi dampak lingkungan
yang merugikan pada populasi manusia atau area penting lingkungan kurang merugikan
dibandingkan dengan transaksi risiko Tinggi.
Typical transactions have a limited extent of specific environmental and social impacts, a
generally specific location, are largely reversible, and can be promptly addressed through
action and international best practices. The potential for adverse environmental impacts on
human populations or areas of environmental importance is less adverse than that of high-risk
transactions.
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KATEGORI C - RISIKO RENDAH
CATEGORY C – LOW RISK
Transaksi dengan aktivitas bisnis dengan sedikit atau tanpa dampak lingkungan dan sosial yang
merugikan.
Transactions with little or no adverse environmental and social impacts.
Pengukuran risiko lingkungan hidup dan sosial Environmental and Social (E&S) due diligence is
dilakukan melalui environmental and social (E&S) used for measuring environmental and social risk,
due diligence yang hasilnya harus diperhitungkan the results of which must be considered in the
dalam proses pengambilan keputusan untuk decision-making process of whether to continue
melanjutkan transaksi. Tujuan dari E&S due the transaction. The purpose of E&S due diligence
diligence adalah untuk meninjau potensi is to review potential environmental and social
risiko lingkungan hidup dan sosial yang terkait risks related to the debtor’s business activities
dengan aktivitas bisnis debitur dan memastikan and ensure that the transactions made have no
bahwa transaksi yang dilakukan tidak terdapat environmental or social risks that could pose a
risiko lingkungan hidup dan sosial yang dapat potential risk for the Bank. E&S due diligence can
menimbulkan potensi risiko bagi Bank. E&S due be conducted by carrying out offsite and onsite
diligence dapat dilakukan dengan melakukan reviews if necessary.
tinjauan offsite dan onsite apabila diperlukan.
Hal-hal yang tercakup dalam E&S due diligence, E&S due diligence covers the following analysis:
antara lain analisis mengenai:
a. Lokasi geografis, seperti penggunaan lahan di a. Geographical location, such as surrounding land
sekitarnya dan kedekatan dengan habitat alami use and proximity to natural habitats, rivers, and
serta sungai dan danau; lakes;
b. Kondisi lokasi, seperti kondisi fasilitas dan b. Conditions of the location, such as the condition
potensi pencemaran tanah; of facilities and potential for soil contamination;
c. Akses ke utilitas, seperti tenaga listrik, gas alam, c. Access to utilities, such as electricity, natural
dan air; gas, and water;
d. Isu-isu sosial, seperti tenaga kerja, kesehatan dan d. Social issues, such as labor, occupational health
keselamatan kerja, kesehatan dan keselamatan and safety, community health and safety,
masyarakat, keterlibatan masyarakat, community involvement, land acquisition and
pembebasan lahan dan pemukiman kembali, resettlement, indigenous peoples, and cultural/
masyarakat adat, dan warisan budaya/arkeologi; archaeological heritage;
e. Isu lingkungan, seperti penggunaan dan e. Environmental issues, such as water use and
kualitas air, air limbah, penggunaan material quality, wastewater, material use (hazardous
(berbahaya dan tidak berbahaya), limbah and non-hazardous), waste (hazardous and
(berbahaya dan tidak berbahaya), penggunaan non-hazardous), land use, biodiversity, energy
lahan, keanekaragaman hayati, penggunaan use and emissions, as well as air quality;
energi dan emisi, serta kualitas udara;
f. Kinerja dan reputasi debitur dalam masalah f. Debtor’s performance and reputation on
lingkungan dan sosial, termasuk denda dan environmental and social matters, including
hukuman serta kecelakaan parah yang terkait fines, penalties, and serious accidents related to
dengan masalah lingkungan dan sosial; serta environmental and social issues; and
g. Pemenuhan ketentuan lingkungan dan sosial, g. Compliance with environmental and social
seperti emisi lingkungan, konservasi energi, provisions, such as environmental emission,
sistem pembuangan limbah, penggunaan energy conservation, waste disposal system,
material berbahaya, kontaminasi lahan, use of hazardous material, land contamination,
keanekaragaman hayati, ketenagakerjaan, biodiversity, employment, community health
kesehatan dan keselamatan komunitas, akuisisi and safety, land acquisition, indigenous peoples,
lahan, masyarakat adat, dan warisan budaya. and cultural heritage.
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Sepanjang tahun 2023, terdapat 1 debitur yang In 2023, there was 1 debtor included in high-risk
masuk dalam golongan high risk dari total debitur category out of a total of 11,075 non-consumer
11.075 non-consumer. debtors.
Indikasi Portofolio
Portfolio Indicator
Sektor Industri
Industrial Sector Total Persentase
(jutaan Rp) Percentage
(million Rp) (%)
Agriculture 869.651 2,53
Forestry 843.356 2,46
Fishing, Aquaculture, and Service Activities Incidental to Fishing 1.195.430 3,48
Oil. Gas and Mining 340.755 0,99
Manufacture of food products and beverages 887 0,00
Manufacture of Tobacco Products 4.832.167 14,08
Manufacture of textiles 1.339.749 3,90
Manufacture of wearing apparel; dressing and dyeing of fur 832.231 2,42
Tanning and Dressing of Leather 1.254.541 3,66
Manufacture of paper and paper products 851.391 2,48
Publishing, printing and reproduction of recorded media 4.060.570 11,83
Manufacture of chemicals and chemical products 14.051 0,04
Manufacture of rubber and plastics products - -
Manufacture of other non-metallic mineral products 509.957 1,49
Manufacture of Basic Metals 7.563 0,02
Manufacture of machinery and equipment N.E.C. 1.303.249 3,80
Manufacture of office, accounting and computing machinery 217.824 0,63
Electronics 523.296 1,52
Manufacture of motor vehicles, trailers and semi-trailers 1.309.237 3,81
Manufacture of Other Transport Equipment 1.253.847 3,65
Manufacture of furniture 48.209 0,14
Recycle 1.046.915 3,05
Electricity, Gas, and Water Supply 68.524 0,20
Construction and Real Estate 1.400.702 4,08
Wholesale and Retail Trade 3.902.074 11,37
Hotel and Restaurant Related Services 1.060.134 3,09
Transportation and Warehousing 1.182.565 3,45
Post and Telecommunications 88 0,00
Financial Intermediation and Insurances - -
Public Administration and Defence; Compulsory Social Security - -
Others 4.054.719 11,81
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Seluruh debitur yang masuk dalam kategori All debtors that fall under the medium- and high-
risiko sedang dan tinggi telah melalui tahap risk categories have gone through environmental
environmental screening dan dipantau secara screening, which is periodically monitored. This
berkala. Langkah tersebut bertujuan untuk is to ensure that the debtor’s business activities
memastikan bahwa aktivitas bisnis yang do not endanger the area around the operational
dijalankan debitur tidak membahayakan area area. The Bank also requires debtors to have an
sekitar daerah operasional. Bank juga mewajibkan environmental management-related license as part
debitur memiliki dokumen perizinan terkait of their documents, including those categorized as
pengelolaan lingkungan hidup sebagai bagian dari high-risk.
dokumentasi, termasuk bagi debitur yang masuk
kategori high risk.
Program dan Kegiatan yang Dilakukan Programs and Activities
Bank Hana melakukan program green office terkait Hana Bank conducts green office programs
aspek lingkungan pada internal Bank. Program related to environmental aspects within the Bank.
tersebut berkaitan dengan penghematan pada The program relates to savings on all operational
seluruh fasilitas penunjang operasional, seperti support facilities, such as the use of electricity,
penggunaan energi listrik, air, kertas, dan semua water, paper, and all activities related to natural
aktivitas yang berkaitan dengan sumber daya alam. resources. Hana Bank implements the green office
Bank Hana menerapkan program green office program in a sustainable manner in order to have
secara berkelanjutan, guna memberikan dampak a positive impact on the Bank and its stakeholders.
yang positif bagi Bank dan juga pemangku
kepentingan.
Kegiatan yang selalu diterapkan sebagai realisasi Hana Bank’s green office program realizes the
dari program green office Bank Hana, yaitu: following activities:
1. Menghemat listrik dengan beralih 1. Saving electricity by switching to energy-saving
menggunakan lampu hemat energi di dalam lamps within the office;
lingkungan kantor;
2. Melakukan penghematan air dengan membuat 2. Saving water by making an appeal to all
imbauan kepada seluruh karyawan untuk employees to use water as necessary;
menggunakan air secukupnya;
3. Menggunakan air limbah pendingin udara (AC) 3. Using air conditioning waste water to water
untuk menyiram tanaman; plants;
4. Melakukan efisiensi bahan bakar minyak pada 4. Conducting fuel oil efficiency in each operational
tiap unit kendaraan operasional; vehicle unit;
5. Menghemat kertas dengan pemanfaatan 5. Saving paper by reusing blank or used paper
kembali halaman kertas yang kosong atau used pages for non-formal purposes; and
paper untuk keperluan yang tidak formal; serta 6. Applying a paperless system to reduce the
6. Mengaplikasikan sistem paperless untuk use of paper by switching to technological
mengurangi penggunaan kertas dengan developments, such as using electronic mail
beralih pada perkembangan teknologi, seperti and the Bank’s internal portal.
menggunakan surat elektronik dan portal
internal Bank.
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Tanggung Jawab Terhadap
Pengembangan Sosial Kemasyarakatan
Responsibility for Social Community Development
Kepedulian Bank Hana terhadap masyarakat, Hana Bank’s concern for the community, especially
terutama di sekitar wilayah operasional diwujudkan around the operational area, is realized through
melalui berbagai kegiatan pengembangan various social community development activities.
sosial kemasyarakatan. Kegiatan tersebut These activities are focused on improving the
difokuskan untuk meningkatkan kesejahteraan welfare and prosperity of the surrounding
dan kemakmuran masyarakat sekitar. Berbagai community. Various community development
program pengembangan masyarakat juga programs are also adjusted to the needs of the
disesuaikan dengan kebutuhan masyarakat sekitar, surrounding community, business strategies, and
strategi bisnis, dan tujuan Bank. Bank goals.
Kebijakan Policy
Program pengembangan sosial kemasyarakatan Hana Bank’s social development programs are
Bank Hana direalisasikan berdasarkan kebijakan realized based on policies developed through a
yang disusun melalui proses pemetaan sosial social mapping process to identify various problems
untuk mengetahui berbagai masalah yang tengah that are happening in the surrounding community.
terjadi di masyarakat sekitar. Selain itu, aspirasi In addition, the aspirations that come from the
yang masuk dari masyarakat menjadi dasar community become the basis for consideration for
pertimbangan bagi Bank untuk merealisasikan the Bank to realize reliable and quality programs.
program-program yang andal dan berkualitas.
Program dan Kegiatan yang Dilakukan Programs and Activities
Sepanjang tahun 2023, Bank Hana telah melakukan Throughout 2023, Hana Bank has conducted
berbagai pengembangan sosial kemasyarakatan various social community developments which are
yang diuraikan sebagai berikut: described as follows:
PENGGUNAAN TENAGA KERJA LOKAL
USE OF LOCAL WORKFORCE.
Bank Hana memberikan kesempatan kepada masyarakat lokal untuk bekerja di perusahaan.
Selain itu, dengan pemanfaatan tenaga kerja lokal, Bank telah turut serta dalam meningkatkan
pertumbuhan ekonomi Indonesia dan perkembangan bisnis Bank. Bank melakukan perekrutan
tenaga kerja lokal sesuai dengan kebutuhan pegawai dan standar kompetensi yang telah
ditentukan.
Hana Bank provides opportunities for local people to work in the Bank. In addition, by
utilizing local labor, the Bank has participated in increasing Indonesia’s economic growth and
business development. The Bank recruits local labor in accordance with employee needs and
predetermined competency standards.
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PENDIDIKAN
EDUCATION
• Bank Hana bekerja sama dengan Hana Nanum Foundation, memberikan beasiswa sebesar
Rp1 miliar secara regular setiap tahunnya kepada 6 (enam) universitas di Indonesia yaitu
Universitas Indonesia (UI), Sekolah Teknik Elektro Informatika-Institut Teknologi Bandung
(STEI ITB), Universitas Padjadjaran (UNPAD), Universitas Gadjah Mada (UGM), Universitas Bina
Nusantara (BINUS), dan Universitas Islam Indonesia (UII). Beasiswa ini diperuntukan bagi siswa-
siswa berprestasi yang berasal dari ekonomi menengah ke bawah.
• Bank Hana dan Hana Financial Group melalui Hana Nanum Foundation meluncurkan program
Hana Future IT Leader Academy. Program tersebut merupakan keberlanjutan komitmen
Perusahaan dalam memberikan dukungan kepada para mahasiswa/i Indonesia melalui
Beasiswa Pendidikan khususnya di bidang Informasi dan Teknologi. Adapun nilai beasiswa
yang diberikan adalah sebesar Rp10 miliar. Lebih lanjut, penerima beasiswa akan mendapatkan
kesempatan menarik lainnya seperti magang di perusahaan NEXT TI, Bank Hana, juga di Hana
Bank Korea.
• Bank Hana mengirimkan sebanyak 10 (sepuluh) mahasiswa Indonesia terbaik untuk magang di
KEB Hana Bank Korea di Seoul, Korea Selatan. Program magang ini pertama kalinya dibentuk
melalui inisiasi Bank Hana, Hana Financial Group (HFG), dan Kedutaan Besar Indonesia untuk
Korea Selatan yang bertujuan mempersiapkan Sumber Daya Manusia (SDM), khususnya bagi
generasi muda Indonesia dalam menghadapi persaingan dan tantangan global dengan total
biaya Rp219 juta.
• Hana Bank, in collaboration with Hana Nanum Foundation, provides scholarships of Rp1 billion
regularly every year to 6 (six) universities in Indonesia, namely the University of Indonesia
(UI), School of Electrical Informatics Engineering-Bandung Institute of Technology (STEI ITB),
Padjadjaran University (UNPAD), Gadjah Mada University (UGM), Bina Nusantara University
(BINUS), and Indonesian Islamic University (UII). This scholarship is intended for outstanding
students who come from a middle- to lower-class economy.
• Hana Bank and Hana Financial Group, through the Hana Nanum Foundation, launched
the Hana Future IT Leader Academy program. The program is a continuation of the Bank’s
commitment to providing support to Indonesian students through educational scholarships,
especially in the field of information and technology. The value of the scholarship provided is
Rp10 billion. Furthermore, scholarship recipients will get other interesting opportunities, such
as internships at NEXT IT company, Hana Bank, as well as at Hana Bank Korea.
• Hana Bank sent 10 (ten) best Indonesian students to intern at KEB Hana Bank Korea in Seoul,
South Korea. This internship program was first established through the initiation of Hana
Bank, Hana Financial Group (HFG), and the Indonesian Embassy to South Korea, which aims
to prepare Human Resources (HR), especially for the younger generation of Indonesia, to face
global competition and challenges, with total Rp219 million.
EDUKASI KEUANGAN
FINANCIAL EDUCATION
Bank Hana melakukan kegiatan literasi keuangan yang melibatkan para mahasiswa/i dari
Universitas Indonesia dan Institut Teknologi Bandung. Kalangan mahasiswa merupakan salah
satu pihak yang tepat dalam menerima edukasi materi keuangan, mereka sebagai generasi
muda diharapkan bisa lebih memahami sehingga tidak salah langkah dalam bertindak dan
mengambil keputusan di bidang keuangan. Adapun topik/materi yang dibawakan yaitu seputar
keuangan dan perbankan konvensional maupun digital.
Hana Bank conducted financial literacy activities involving students from the University of
Indonesia and the Bandung Institute of Technology. Students are one of the right parties to
receive financial education material. As a young generation, they are expected to have a better
understanding so that they do not take the wrong steps in acting and making decisions in the
financial field. The topics/materials presented were about conventional and digital finance and
banking.
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FILANTROPI DONASI LAINNYA
PHILANTHROPY OF OTHER DONATIONS
• Bank Hana bekerja sama dengan Tunasmuda Care Foundations (T-Care) menyalurkan paket
buka puasa untuk anak yatim dan orang yang membutuhkan serta menyalurkan parsel
lebaran kepada grup orang tua. Total biaya yang dikeluarkan Rp50 juta.
• Berkolaborasi dengan IKA (Ikatan Alumni) Universitas Islam Indonesia mengadakan kegiatan
CSR dengan memberikan donasi dalam bentuk uang dan paket sembako. Penerima manfaat
adalah nelayan, yatim dan dhuafa, serta keluarga yang membutuhkan. Donasi didistribusikan
pada Maret-April 2023. Total donasi sebesar Rp50 juta.
• Bank Hana beserta karyawan turut merayakan Hari Anak Nasional 2023 dengan menyalurkan
dana pendidikan dan pemberian gawai untuk anak-anak. Inisiatif ini diselenggarakan melalui
kerja sama dengan Yayasan Dompet Yatim dan Dhuafa (Domyadhu) dan Yayasan Mizan
Amanah yang tersebar di 4 kota yaitu Jakarta, Bekasi, Bogor, dan Bandung. Donasi yang
diberikan berupa dana yang dikumpulkan oleh karyawan dan ditambah dari Bank Hana
dengan total Rp30 juta, dan ada sebanyak 55 gadget Samsung Tab.
• Modu Hana Day. Bank Hana bekerja sama dengan Foodbank of Indonesia memberikan
makanan siap saji yang didistribusikan kepada keluarga yang kurang mampu dengan total
biaya mencapai Rp50 juta.
• Hana Bank, in collaboration with Tunasmuda Care Foundations (T-Care), distributed iftar
packages to orphans and people in need and distributed Eid parcels to the elderly group. The
total cost incurred was Rp50 million.
• Collaborating with IKA (Ikatan Alumni) of the Islamic University of Indonesia to hold CSR
activities that consist of giving donations in the form of money and basic household goods
(food, groceries, etc.). Beneficiaries, such as fishermen, orphans, and other disadvantaged
people. Donations were distributed in March–April 2023. The total donation was Rp50 million.
• Hana Bank and its employees celebrated National Children’s Day 2023 by distributing education
funds and giving gadgets to children. This initiative was organized in collaboration with the
Dompet Yatim and Dhuafa (Domyadhu) Foundation and the Mizan Amanah Foundation,
spread across 4 cities, namely Jakarta, Bekasi, Bogor, and Bandung. Donations were made in
the form of funds collected by employees and added from Hana Bank with a total of Rp30
million, as well as 55 Samsung Tab gadgets.
• Modu Hana Day. Hana Bank, in collaboration with Foodbank of Indonesia, provided prepared
meals that were distributed to underprivileged families at a total cost of Rp50 million.
GLOBAL CSR ORIENTATIONS DAY
GLOBAL CSR ORIENTATIONS DAY
Para mahasiswa Komunitas Smart Ambassador Korea Selatan beserta 20 orang Relawan Bank
Hana mengikuti kegiatan sosial di Sekolah Danbi Bersinar yang berlokasi di Bekasi, Jawa Barat.
Dalam kegiatan ini, para mahasiswa dan relawan melakukan berbagai macam aktivitas dengan
dibagi menjadi 5 kelompok yaitu: Kelas Kesehatan Jasmani, Kelas Science, Kelas Seni, Kelas
Musik, dan Kelas Bahasa Korea.
South Korean Smart Ambassador Community students and 20 Hana Bank volunteers participated
in social activities at Danbi Bersinar School in Bekasi, West Java. In this activity, students and
volunteers carried out various activities that were divided into 5 groups, namely the Physical
Health Class, Science Class, Art Class, Music Class, and Korean Language Class.
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Tanggung Jawab Sosial terhadap
Bidang Ketenagakerjaan, Keselamatan,
dan Kesehatan Kerja
Social Responsibility for Manpower, Occupational Health
and Safety
Bank Hana memandang karyawan merupakan Hana Bank considers employees as one of its most
salah satu aset yang penting dalam mendukung important assets in supporting the achievement
pencapaian target dan kelangsungan usaha. of targets and business continuity. Therefore,
Oleh karena itu, kebutuhan karyawan merupakan employee needs are a top priority that must be
prioritas utama yang harus dipenuhi dan Bank Hana met, and Hana Bank also always guarantees the
juga senantiasa menjamin hak-hak karyawannya rights of its employees as stipulated in the laws and
sebagaimana yang telah diatur dalam peraturan regulations.
perundang-undangan.
Kebijakan Policy
Kebijakan mengenai tanggung jawab sosial Policies regarding corporate social responsibility in
perusahaan di bidang norma ketenagakerjaan the field of labor norms and occupational health
serta norma keselamatan dan kesehatan kerja and safety norms are prepared based on Law No.
disusun berdasarkan Undang-Undang No. 13 Tahun 13 of 2003 concerning Manpower. In addition, the
2003 tentang Ketenagakerjaan. Selain itu, Bank Bank also establishes policies to provide equal
juga menetapkan kebijakan untuk memberikan treatment for all employees, both in employment
perlakuan yang sama bagi seluruh karyawan, opportunities, remuneration, and competency
baik dalam kesempatan kerja, remunerasi, serta development. The Bank always strives to provide
pengembangan kompetensi. Bank senantiasa a safe, healthy work environment, free from
berupaya untuk memberikan lingkungan kerja environmental pollution, and reduce the potential
yang aman, sehat, bebas dari pencemaran for work accidents and various kinds of diseases
lingkungan, dan mengurangi potensi terjadinya arising from work activities.
kecelakaan kerja serta berbagai macam penyakit
yang timbul dari aktivitas kerja.
Program yang Dilakukan Programs
Bank menerapkan beberapa program dan kegiatan The Bank implements several programs and
terkait bidang ketenagakerjaan, yang diuraikan activities related to employment, which are
sebagai berikut: described as follows:
1. Kesempatan Kerja 1. Job Opportunity
Bank memberikan kesempatan yang The Bank provides equal opportunities to every
sama kepada setiap calon karyawan, tanpa prospective employee, regardless of gender,
membedakan gender, agama, ras, golongan religion, race, political class, or social level, to
politik ataupun tingkatan sosial, untuk join the Bank. The entire recruitment process
bergabung dengan perusahaan. Seluruh proses is conducted by prioritizing the principles of
rekrutmen dilakukan dengan mengedepankan equality, openness, and non-discrimination.
prinsip kesetaraan, keterbukaan, dan tanpa The Bank also continues to strive to establish
adanya diskriminasi. Bank juga terus berupaya industrial relations based on the principle of
untuk membangun hubungan industrial strategic partners. This step is taken in order
dengan prinsip mitra strategis. Langkah to build a harmonious relationship with all
tersebut dilakukan dalam rangka membangun employees through the fulfillment of employee
hubungan yang harmonis dan selaras dengan rights and obligations based on applicable rules.
seluruh karyawan melalui pemenuhan hak dan
kewajiban karyawan berdasarkan aturan yang
berlaku.
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2. Kesetaraan Gender 2. Gender Equality
Prinsip non-diskriminasi diterapkan Bank The principle of non-discrimination is applied
Hana dalam setiap aktivitas Bank. Bank Hana by Hana Bank in its every activity. Hana Bank
senantiasa mengedepankan kesetaraan gender always prioritizes gender equality by providing
dengan memberikan kesempatan yang sama equal opportunities for women (gender equity
bagi perempuan (gender equity and equality) and equality) to get decent work at the Bank.
untuk mendapatkan pekerjaan yang layak di This commitment is realized through the
Bank. Komitmen tersebut direalisasikan melalui achievement of structural, operational, and
pencapaian karier struktural, operasional functional careers, even at the highest level of
maupun fungsional, bahkan sampai jenjang the organizational structure. Several important
tertinggi dalam struktur organisasi. Beberapa positions, such as the Board of Commissioners,
posisi jabatan penting, seperti Dewan Komisaris, the Board of Directors, and other strategic
Direksi, dan jabatan strategis lainnya pada Bank positions at Hana Bank, are filled by female
Hana diisi oleh karyawan wanita. employees.
3. Kompensasi dan Manfaat 3. Compensation and Benefit
Bank Hana memberikan kompensasi dan Hana Bank provides compensation and
manfaat secara adil dan setara sesuai dengan benefits fairly and equally, in accordance with
peraturan perundang-undangan yang berlaku. applicable laws and regulations. There are
Terdapat beberapa kompensasi dan manfaat, several compensations and benefits, including
di antaranya adalah gaji pokok dan tunjangan basic salary and welfare allowances, whose
kesejahteraan yang nilainya disesuaikan value is adjusted to the respective class and/or
dengan golongan dan/atau jabatan masing- position.
masing.
4. Rekrutmen 4. Recruitment
Bank Hana menerapkan 2 sistem rekrutmen, Hana Bank implements 2 recruitment systems,
yaitu rekrutmen internal dan eksternal. namely internal and external recruitment.
Rekrutmen internal terutama ditujukan untuk Internal recruitment is mainly aimed at
mengoptimalkan sumber daya manusia yang optimizing the human resources already owned.
telah dimiliki. Sementara rekrutmen eksternal, While external recruitment is conducted by
dilakukan dengan merekrut calon karyawan recruiting prospective employees who have
yang memiliki pendidikan dan kualifikasi yang education and qualifications that the Bank
belum dimiliki Bank. Seluruh tahapan pada does not yet have. All stages of the recruitment
proses rekrutmen mengutamakan aspek process prioritize the competence and quality
kompetensi dan kualitas dari masing-masing aspects of each prospective employee, without
calon karyawan, tanpa adanya diskriminasi any discrimination of gender, ethnicity, religion,
gender, suku, agama, golongan politik, dan lain political class, and so on.
sebagainya.
5. Pendidikan dan Pelatihan 5. Education and Training
Program pendidikan dan pelatihan senantiasa Hana Bank continues to conduct education and
dilakukan Bank Hana secara berkesinambungan training programs on an ongoing basis in order
dalam rangka meningkatkan kompetensi dan to improve employee competence and work
kualitas kerja karyawan. Dalam merealisasikan quality. In realizing these programs, Hana Bank
program-program tersebut, Bank Hana focuses on developing employee competencies
memfokuskan pengembangan kompetensi in terms of increasing knowledge, abilities
karyawan dari sisi peningkatan pengetahuan, (technical or non-technical), and personal
kemampuan (teknis ataupun non-teknis) attributes aimed at increasing employee
serta atribut diri yang bertujuan untuk productivity to support the achievement of
meningkatkan produktivitas karyawan guna the Bank’s business strategy and portfolio.
mendukung pencapaian strategi dan portofolio Hana Bank also ensures that employees have
bisnis Bank. Bank Hana juga memastikan equal opportunities so that there is equity for
karyawan memiliki kesempatan yang sama employees in obtaining education and training
sehingga terjadinya pemerataan bagi karyawan programs as needed.
dalam mendapatkan program pendidikan dan
pelatihan sesuai dengan kebutuhan.
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6. Sarana Keselamatan Kerja 6. Occupational Safety Facilities
Seluruh kantor operasional Bank Hana telah All of Hana Bank’s operational offices are
dilengkapi dengan berbagai perangkat equipped with various safety devices, such as
keselamatan kerja, seperti fire hydrant dan fire hydrants and light fire extinguishers (APAR).
alat pemadam api ringan (APAR). Bank The Bank also always ensures that these tools
juga senantiasa memastikan bahwa alat- can function normally to ensure safety for all
alat tersebut dapat berfungsi normal untuk employees. In addition, the Bank periodically
menjamin keamanan bagi seluruh karyawan. holds emergency drills in order to handle
Selain itu, secara berkala Bank mengadakan emergencies and avoid work accidents.
emergency drill dalam rangka penanganan
keadaan darurat untuk menghindari korban
dari kecelakaan kerja.
7. Tingkat Kecelakaan Kerja 7. Occupational Accident Rate
Bank Hana memiliki tingkat kecelakaan kerja In 2023, Hana Bank had a fairly low level of
cukup rendah yang berjumlah 5 orang yang work accidents, totaling 5 people, consisting
terdiri dari 2 Karyawan Organik dan 3 Karyawan of 2 organic employees and 3 outsourced
Alih Daya pada tahun 2023, sesuai dengan yang employees, in accordance with what has been
telah dilakukan pelaporan kepada Kementerian reported to the Ministry of Manpower and the
Ketenagakerjaan dan BPJS Hal tersebut Social Security Agency (BPJS). This is classified
tergolong dalam jumlah kecelakaan kerja yang as a low number of work accidents among the
rendah dari total jumlah keseluruhan karyawan total number of employees at Hana Bank, both
di Bank Hana baik tenaga kerja organik organic and outsourced workers. This can be
maupun tenaga kerja alih daya. Hal ini dapat realized due to the implementation of employee
terwujud karena didukung dengan penerapan safety policies that continue to be improved
kebijakan keselamatan kerja karyawan yang by the Bank and adhered to by all employees
terus ditingkatkan oleh Bank dan dipatuhi through the socialization of Occupational
oleh seluruh karyawan melalui sosialisasi Health and Safety for the entire workforce.
Keselamatan dan Kesehatan Kerja untuk
seluruh tenaga kerja.
Keselamatan dan Kesehatan Kerja Occupational Health and Safety
Bank Hana selalu memperhatikan aspek Hana Bank always pays attention to the Occupational
Keselamatan dan Kesehatan Kerja karyawan Health and Safety aspects of employees in each
di setiap wilayah operasional sesuai dengan operational area in accordance with Occupational
standar dan kriteria Keselamatan dan Kesehatan Health and Safety (OHS) standards and criteria.
Kerja (K3). Bank secara konsisten terus berupaya The Bank consistently strives to create a sense of
dalam menciptakan rasa aman dan memberikan security and provide comfort for all employees
kenyamanan bagi seluruh karyawan saat bekerja while working within the office, and reduce the
di lingkungan kantor, serta mengurangi tingkat level of work accidents. This is carried out as a form
kecelakaan kerja. Hal ini dilakukan sebagai bentuk of the Bank’s concern for its employees.
kepedulian Bank terhadap para karyawannya.
Terkait dengan hal tersebut, Bank Hana senantiasa Related to this matter, Hana Bank always provides
menyediakan fasilitas penunjang kesehatan, seperti health support facilities, such as a box for first
kotak pertolongan pertama pada kecelakaan (P3K) aid in accidents (P3K) in each office, conducts
di setiap kantor, melakukan sertifikasi uji kelayakan certification of feasibility tests and checks on
dan pemeriksaan pada setiap fasilitas kerja yang each work facility that has been determined in
telah ditentukan di dalam peraturan perundang- the laws and regulations regarding Occupational
undangan mengenai Keselamatan dan Kesehatan Health and Safety, as well as provides continuous
Kerja serta memberikan pelatihan secara training to each workforce, especially workers
berkesinambungan kepada setiap tenaga kerja who are responsible for security, in order to deal
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terutama tenaga kerja yang bertanggung jawab with all forms of natural and non-natural disasters,
dibidang pengamanan dalam rangka menghadapi including cooperation with the territorial apparatus
segala bentuk bencana baik yang bersifat alam in the framework of synergy between Hana Bank
maupun non-alam, termasuk melakukan kerja and local regional devices in each branch office.
sama dengan pihak aparat teritorial dalam rangka This is Hana Bank’s commitment to providing
sinergitas antara Bank Hana dengan perangkat occupational health and safety protection to all
daerah setempat di setiap kantor cabang berada. workers and customers/visitors who come to every
Hal ini merupakan komitmen Bank Hana dalam office of Hana Bank.
memberikan jaminan perlindungan keselamatan
dan kesehatan kerja baik kepada seluruh tenaga
kerja maupun nasabah/pengunjung yang datang
ke setiap kantor Bank Hana.
Pengaduan Masalah Keselamatan dan Occupational Health and Safety
Kesehatan Kerja Complaint
Sarana pengaduan masalah K3 dapat disampaikan OHS-related complaints can be submitted to
kepada Divisi Human Capital Management the Human Capital Management Division as the
sebagai pihak yang berwenang untuk membantu authorized party to assist in settling the problem
menyelesaikan masalah dan melakukan penegakan and enforcing the law in accordance with the
hukum sesuai dengan peraturan internal Bank. Bank’s internal regulations. Until the end of 2023,
Hingga akhir tahun 2023, informasi pengaduan the Manpower Management Department team
terkait Keselamatan dan Kesehatan Kerja dapat can be contacted immediately for information on
segera menghubungi tim Departemen Manpower complaints related to Occupational Health and
Management baik dalam hal pencegahan maupun Safety, both in terms of prevention and assistance,
pendampingan termasuk dalam hal pelaporan including in terms of reporting to government
kepada instansi pemerintah. institutions.
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Tanggung Jawab terhadap Produk/
Jasa
Responsibility for Products/Services
Dalam pemenuhan tanggung jawab terhadap In fulfilling the responsibility for products/services,
produk/jasa, Bank Hana melakukan berbagai Hana Bank makes various efforts, such as improving
upaya, seperti melalui peningkatan standar service standards and providing awareness to all
pelayanan dan memberikan kesadaran kepada employees to serve in accordance with Standard
seluruh karyawan untuk melayani sesuai dengan Operating Procedures (SOP). This commitment is
Standar Operasional Prosedur (SOP). Komitmen realized in order to create satisfaction and comfort
tersebut direalisasikan dalam rangka menciptakan for Hana Bank customers.
kepuasan dan kenyamanan bagi nasabah Bank
Hana.
Kebijakan Policy
Kebijakan terkait tanggung jawab terhadap Policies related to responsibility for products/
produk/jasa disesuaikan dengan Visi, Misi, dan services are adjusted to the Bank’s vision, mission,
Nilai-nilai Perusahaan. Bank Hana senantiasa and corporate values. Hana Bank always prioritizes
mengutamakan kebutuhan dan kenyamanan bagi the needs and convenience of customers.
para nasabah.
Program yang Dilakukan Programs
Pada tahun 2023, Bank Hana melakukan program In 2023, Hana Bank conducted programs and
dan kegiatan terkait produk/jasa, yang dijelaskan activities related to products/services, which are
sebagai berikut: described as follows:
1. Informasi Produk 1. Product Information
Bank menyediakan sarana informasi bagi The Bank provides information facilities for
nasabah untuk mengetahui produk dan customers to find out about products and
jasa melalui situs web Bank Hana. Bank juga services through its website. The Bank also
menyediakan unit pelayanan nasabah yang provides a customer service unit that can
dapat menyediakan informasi secara lebih provide more complete information about the
lengkap mengenai produk dan jasa milik Bank. Bank’s products and services.
2. Program Peningkatan Kepuasan Nasabah 2. Customer Satisfaction Improvement Program
Layanan prima atau service excellent merupakan Service excellence is the Bank’s main
komitmen utama Bank dalam menjalankan commitment in carrying out banking operations.
aktivitas operasional perbankan. Maka dari Therefore, the Bank always implements several
itu, Bank senantiasa menerapkan beberapa customer satisfaction improvement programs
program peningkatan kepuasan nasabah that are continuously and constantly updated.
yang dilaksanakan secara berkesinambungan The matters considered in the program, namely
dan terus diperbaharui. Adapun hal yang prioritizing aspects of transaction service
diperhatikan dalam program tersebut, yaitu speed, providing smart solutions, and customer
mengedepankan aspek kecepatan layanan comfort while being served.
transaksi, penyediaan solusi yang cerdas, dan
kenyamanan nasabah selama dilayani.
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Aksi nyata yang dilakukan Bank dalam Concrete actions taken by the Bank in
melakukan program peningkatan kepuasan conducting customer satisfaction improvement
pelanggan, yaitu: programs, namely:
a. Mewujudkan berbagai program yang a. Realizing various programs related to the
berhubungan dengan penyediaan produk provision of Bank’s products and services
dan layanan Bank yang sesuai kebutuhan that meet customer needs;
nasabah; b. Facilitating customer complaint services to
b. Memfasilitasi pelayanan keluhan nasabah achieve customer trust and needs; and
untuk mencapai kepercayaan dan c. Conducting customer service surveys
kebutuhan nasabah; serta as a measure of customer experience in
c. Mengadakan survei layanan nasabah establishing relationships with the Bank and
sebagai alat ukur pengalaman nasabah as an indicator of continuous service quality
dalam menjalin relasi dengan Bank dan improvement.
sebagai indikator peningkatan mutu
layanan secara berkesinambungan.
3. Kesehatan dan Keselamatan Nasabah 3. Customer Health and Safety
Selama tahun 2023, Bank Hana memberlakukan During 2023, Hana Bank enforced several special
beberapa protokol khusus bagi nasabah untuk protocols for customers to always maintain
selalu menjaga kesehatan, serta keselamatan health, as well as the safety and security of
dan keamanan informasi dan/atau data customer information and/or data by providing
nasabah dengan memberikan edukasi terkait education related to security awareness through
security awareness melalui e-mail dan sosial e-mail and social media owned, one of which is
media yang dimiliki, salah satunya Instagram Instagram (@hanabank.id).
(@hanabank.id).
4. Sarana Pengaduan dan Informasi Nasabah 4. Complaint Channel and Customer Information
Nasabah dapat melakukan pengaduan terkait Customers can file complaints related to
keluhan dan masukan mengenai fasilitas grievances and feedback regarding the facilities
yang diberikan. Pengaduan tersebut dapat provided. The complaint can be submitted
disampaikan melalui media sosial dan media through the Bank’s social media and official
elektronik resmi milik Bank. electronic media.
• Telepon: 1-500-021 dan (+6221) 5086-4600 • Phone: 1-500-021 and (+6221) 5086-4600 for
untuk akses dari luar negeri (berlaku tarif access from overseas (rates apply according
sesuai ketentuan) to conditions)
• E-mail: customervoice@hanabank.co.id & • E-mail: customervoice@hanabank.co.id &
help@linebank.co.id help@linebank.co.id
• Website: www.hanabank.co.id & • Website: www.hanabank.co.id &
www.linebank.co.id www.linebank.co.id
• Social Media • Social Media
• Live Chat via WhatsApp Official Business • Live Chat via WhatsApp Official Business
Account (centang hijau) pada nomor 0811- Account (verified) at 0811-9710-0021
9710-0021 • Nearest Branch Office
• Kantor Cabang terdekat
Pengaduan dan masukan yang disampaikan Any submitted complaint and feedback will
akan diproses berdasarkan kebijakan internal be processed according to internal policies
melalui Unit Pengaduan Nasabah yang tersedia through the Customer Complaint Unit available
di Bank. Bank tidak hanya menyediakan sarana in the Bank. The Bank does not only provide
pengaduan, namun juga mengadakan program a complaint channel but also provides an
edukasi untuk menambah wawasan nasabah educational program to improve customers’s
terhadap produk dan jasa milik Bank. insight into the Bank’s products and services.
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Kegiatan edukasi yang dilakukan Bank, yaitu: The educational programs held by the Bank are
a. Layanan pengiriman surat elektronik kepada as follows:
nasabah yang berisi edukasi terhadap a. E-mail delivery service to customers
kejahatan perbankan, edukasi layanan containing education on banking crimes,
perbankan, serta ucapan hari raya atau hari banking services education, and holiday
libur besar; greetings;
b. Layanan pengiriman pesan singkat telepon b. Short message service (SMS) to customers
genggam (SMS) kepada nasabah secara on a regular basis regarding the latest
berkala mengenai informasi terkini dari fitur information on the Bank’s features and
dan layanan Bank; services;
c. Imbauan di dalam situs web, media sosial, c. Announcement on the website, Social
fitur mobile banking dan internet banking Media, mobile and internet banking features
bagi nasabah; for customers;
d. Layanan terbuka bagi nasabah yang ingin d. Open service for any customers who wish
mendapatkan informasi melalui Call Hana di to obtain information through Call Hana at
nomor 1-500-021 atau WhatsApp Call Hana 1-500-021 or WhatsApp Call Hana at 0811-
0811-9710-0021; serta 9710-0021; and
e. Layanan informasi kepada nasabah di e. Information services to customers at
cabang melalui poster pengumuman yang branches through announcement posters
dipasang di kantor cabang. posted at branch offices.
5. Tindak Lanjut atas Pengaduan Nasabah 5. Follow-up on Customer Complaint
Seluruh pengaduan serta keluhan yang All complaints and grievances submitted will
disampaikan akan diproses Bank dengan be processed by the Bank properly and wisely
benar dan bijak sesuai dengan peraturan yang in accordance with applicable regulations. In
berlaku. Pada tahun 2023, terdapat 13.291 aduan 2023, there were 13,291 complaints received by
yang diterima Bank seperti yang diuraikan pada the Bank as described in the following table.
tabel berikut:
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Persentase
Pengaduan
Pengaduan Tidak Lanjut
yang
yang Diterima Percentage of
Jenis Pengaduan Ditindaklanjuti Type of Complaint
Received Follow-up
Follow-up
Complaint Action
Complaint
(%)
Tabungan 932 932 100 Savings
Deposito 4 4 100 Deposits
Bancassurance 1 1 100 Bancassurance
Reksa Dana 3 3 100 Mutual Funds
Wealth - - - Wealth
Standing Instruction 2 2 100 Standing Instruction
Kredit Tanpa Agunan (KTA) 173 173 100 Unsecured Loans (KTA)
Kredit atau Pembiayaan 10 10 100 Loans or Working Capital
Modal Kerja Financing
Kredit/Pembiayaan - - - Home/Apartment
Pemilikan Rumah/ Ownership Credit/
Apartemen Financing
Kegagalan atau - - - Failure or Delay in Current
Keterlambatan Transaksi Account Transaction
Giro
Kegagalan atau - - - Failure or Delay in RTGS
Keterlambatan Transaksi Transaction
RTGS
Kegagalan atau 6.420 6.420 100 Failure or Delay in
Keterlambatan Transaksi Electronic Banking
Electronic Banking Transaction
Kegagalan/Keterlambatan/ 5.746 5.746 100 ATM Cards/Debit Cards/
Ketidaksesuaian Transaksi ATM Machine Transactions
Kartu ATM/Kartu Debit/ Failure/Delay/Discrepancy
Mesin ATM
Jumlah 13,291 13,291 100 Total
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Tanggung Jawab dalam Pelaksanaan
Institusi yang Sehat
Responsibility for Implementing A Sound Institution
Kebijakan Policy
Kebijakan terkait kegiatan institusi yang sehat Policies related to the sound institutional activities
Bank Hana mengacu pada Code of Conduct. Hal of Hana Bank refer to the Code of Conduct. This
ini dilakukan agar pengelolaan Bank senantiasa is carried out so that the Bank’s management is
sesuai dengan etika bisnis yang berlaku. always in accordance with applicable business
ethics.
Program dan Kegiatan yang Dilakukan Programs and Activities
Sepanjang tahun 2023, Bank Hana telah melakukan Throughout 2023, Hana Bank has conducted
berbagai kegiatan dalam mewujudkan institusi various online activities to realize a sound institution,
yang sehat secara daring, di antaranya: including:
PELATIHAN DAN REFRESHMENT APU PPT
AML-CFT TRAINING AND REFRESHMENT
Menyelenggarakan pelatihan dan refreshment APU PPT via e-learning yang wajib diikuti oleh
seluruh karyawan pada bulan Januari hingga Desember yang diikuti oleh 1,077 peserta.
Organized AML/CFT training and refreshment via e-learning which must be attended by all
employees from January to December which was attended by 1,077 participants.
PELATIHAN FRAUD RISK AWARENESS
FRAUD RISK AWARENESS TRAINING
Menyelenggarakan pelatihan fraud risk awareness via e-learning yang wajib diikuti oleh seluruh
karyawan pada bulan Januari hingga Desember yang diikuti oleh 1.109 peserta.
Organized fraud risk awareness training via e-learning which is mandatory for all employees
from January to December, which was attended by 1,109 participants.
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PELATIHAN CSA – COMPLIANCE SELF-ASSESSMENT
CSA – COMPLIANCE SELF-ASSESSMENT TRAINING
Menyelenggarakan pelatihan dan refreshment Compliance Self Assessment via e-learning yang
wajib diikuti oleh seluruh karyawan pada bulan Januari hingga Desember yang diikuti oleh 1.105
peserta.
Organized CSA training and refreshment via e-learning which must be attended by all employees
from January to December which was attended by 1,105 participants.
Uraian komprehensif mengenai kebijakan dan A comprehensive description of Hana Bank’s
inisiatif Bank Hana terkait keberlanjutan aspek policies and initiatives related to the sustainability
sosial dan lingkungan dijelaskan pada Laporan of social and environmental aspects is described in
Keberlanjutan yang disusun secara terpisah dari the Sustainability Report prepared separately from
Laporan Tahunan ini. this Annual Report.
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2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 473
Page 478
I. Anggota Dewan Komisaris
Board of Commissioners
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
1 Sungwhan Lee* Komisaris Utama 52 Korea Selatan Magister Bisnis Administrasi, Universitas Sogang Seoul,
South Korean Korea Selatan (2003)
Sarjana Russian Studies, Universitas Gyeongsang
National, Jinju, Korea Selatan (1998)
2 Eka Noor Komisaris (Independen) 63 Indonesia Magister Bisnis Administrasi, Universitas Cleveland State,
Asmara** Indonesian Ohio, Amerika Serikat (1992)
Sarjana Ekonomi, Universitas Gadjah Mada, Yogyakarta
(1980)
474 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
Komisaris Utama PT Bank KEB Hana Indonesia 22-May-23 22-May-23 Pakta Integritas 2023 KEB Hana Mangkuluhur City
(2021-sekarang/present);
General Manager KEB Hana Bank Korea 22-May-23 22-May-23 Compliance Control Self- KEB Hana Mangkuluhur City
(Singapore Branch) (2020-sekarang/present); Assessment & Insider
Trading (CSA) 2023
General Manager KEB Hana Bank Korea (Gang 28-Nov-23 28-Nov-23 Refresher - Fraud Risk KEB Hana E-Learning Mobile
Nam Yeok Corporate Finance Center) (2020); Awareness 2023 Apps
Deputy General Manager KEB Hana Bank Korea 21-Dec-23 21-Dec-23 AML-CTF Foundations KEB Hana ACAMS Online
(Yeok Sam Yeok Corporate Finance Center) (2017- Training
2019);
Senior Manager KEB Hana Bank Korea (New York
Branch) (2012-2017);
Senior Manager, Human Resources Department
Hana Bank Korea (2007-2012);
Assistant Manager, Corporate Finance Division
Hana Bank Korea (Jungang Corporate Finance
Center) (2005-2007);
Assistant Manager, Corporate Finance Division
Hana Bank Korea LG Twin Tower Branch (2001-
2005);
Associate, Corporate Finance Division Hana Bank
Korea (Bucheon Joongang Branch) (2001); dan
Relationship Associate Citibank N.A Korea (1999-
2000).
Komisaris Independen PT Bank KEB Hana 02-Mar-23 02-Mar-23 Literasi Digital Sektor Kementerian Yogyakarta
Indonesia (2014-sekarang/present); Pemerintahan Desa,
Pembangunan
Daerah
Tertinggal dan
Transmigrasi
Indonesia
Komisaris PT Sport Glove Indonesia (2016-2020); 09-Jun-23 09-Jun-23 Pakta Integritas 2023 KEB Hana Mangkuluhur City
Ketua Badan Pelaksana Harian Yayasan 09-Jun-23 09-Jun-23 Compliance Control Self- KEB Hana Mangkuluhur City
Pendidikan Perbanas (2012-2019); Assessment & Insider
Trading (CSA) 2023
Komisaris Independen PT Bank Hana (2009-2014); 26-Oct-23 26-Oct-23 Economic Outlook 2024: Charta Politika Hotel Mulia
Early Look into Presidential Indonesia Senayan
Election 2024
Anggota Badan Pelaksana Harian Yayasan 26-Oct-23 26-Oct-23 Economic Outlook Trimegah Hotel Mulia
Pendidikan Perbanas (2009-2011); 2024: Much Ado About Sekuritas Senayan
Something
Dosen Program Pasca Sarjana Universitas Gadjah 28-Nov-23 28-Nov-23 Refresher - Fraud Risk KEB Hana E-Learning Mobile
Mada (2007-2009); Awareness 2023 Apps
Komisaris BPR Dana Mitra Sejahtera (2006-2008); 21-Dec-23 21-Dec-23 Anti-Bribery & Corruption KEB Hana E-Learning Mobile
(ABC) Apps
Komisaris BPR Dana Mitra Sentosa Ambarawa
(2005-2009);
Direktur AA YKPN Yogyakarta (2004-2008); dan
Senior Auditor KAP Lukman Hadianto & Rekan
(1996-2012).
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 475
Page 480
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
3 Dino Patti Komisaris (Independen) 58 Indonesia Doktor Ilmu Politik, University of London, The London
Djalal Indonesian School of Economics and Political Science, London (2000)
Magister Ilmu Politik, Simon Fraser University, Kanada
(1991)
Sarjana Ilmu Politik, Carleton University, Kanada (1986)
Keterangan / Notes:
* Diangkat kembali sejak penutupan RUPST 9 Juni 2023 sampai dengan penutupan RUPST 2025.
Reappointed since the closing of the AGMS on June 9, 2023 until the closing of the AGMS in 2025.
** Diangkat kembali sejak penutupan RUPST 9 Juni 2023 sampai dengan penutupan RUPST 2024.
Reappointed since the closing of the AGMS on June 9, 2023 until the closing of the AGMS in 2024.
476 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
Komisaris Independen PT Bank KEB Hana 09-Jun-23 09-Jun-23 Pakta Integritas 2023 KEB Hana Mangkuluhur City
Indonesia (2022-sekarang/present);
Ketua dan Pendiri Komunitas Kebijakan Luar 09-Jun-23 09-Jun-23 Compliance Control Self- KEB Hana Mangkuluhur City
Negeri Indonesia (2015-sekarang/present); Assessment & Insider
Trading (CSA) 2023
Komisaris Independen PT VKTR Teknologi 28-Nov-23 28-Nov-23 Refresher - Fraud Risk KEB Hana E-Learning Mobile
Mobilitas Tbk ( 2022-sekarang/present); Awareness 2023 Apps
Wakil Menteri Luar Negeri Republik Indonesia 21-Dec-23 21-Dec-23 Anti-Bribery & Corruption KEB Hana E-Learning Mobile
(2014); (ABC) Apps
Duta Besar Republik Indonesia untuk Amerika 21-Dec-23 21-Dec-23 Anti-Bribery & Corruption KEB Hana E-Learning Mobile
Serikat (2010-2013); (ABC) Apps
Komisaris PT Danareksa Persero (2007-2010);
Juru Bicara Kepresidenan (2004-2010);
Director for North American Affairs Kementerian
Luar Negeri Republik Indonesia (2002-2004);
Head of Politics, posted in Washington DC,
Kementerian Luar Negeri Republik Indonesia
(2000-2002);
Juru Bicara Pemerintah Republik Indonesia
untuk Referendum Timor Timur (1999-2000);
Head of Decolonization Section Kementerian Luar
Negeri Republik Indonesia (1997-1999);
Secretary 1 Political Affairs, posted in London,
Kementerian Luar Negeri Republik Indonesia
(1992-1997); dan
Asisten Direktur Jenderal Politik Departemen
Luar Negeri Republik Indonesia (1987-1992).
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 477
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I. Pihak Independen Anggota Komite Dewan Komisaris
Independent Party Member of Board of Commissioners Committee
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
1 Edy Kuntardjo Anggota Independen 67 Indonesia Magister Manajemen Keuangan, STIE Perbanas Jakarta
Komite Audit dan Komite Indonesian (2003)
Pemantau Risiko
Sarjana Ekonomi Perusahaan, Universitas Islam Indonesia,
Yogyakarta (1982)
2 A Dewantoro Anggota Independen 58 Indonesia Doctor in Management, Brawijaya University, Malang
Marsono Komite Audit dan Komite Indonesian (2021)
Pemantau Risiko
Master Degree, Business Administration, KUL- Leuven
Belgium ( 1991)
478 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
Anggota Komite Audit dan Komite Pemantau 07-Mar-23 07-Mar-23 Pakta Integritas 2023 KEB Hana Mangkuluhur City
Risiko PT Bank KEB Hana Indonesia
(2021-sekarang/present)
Anggota Komite Audit, Komite Pemantau Risiko, 07-Mar-23 07-Mar-23 Compliance Control Self- KEB Hana Mangkuluhur City
dan Komite Tata Kelola Teintegrasi PT Bank KEB Assessment & Insider
Hana Indonesia (2020-2021) Trading (CSA) 2023
Independent Commissioner dan Chairman of 28-Nov-23 28-Nov-23 Refresher - Fraud Risk KEB Hana E-Learning Mobile
Audit Committee PT Galva Technologies Tbk Awareness 2023 Apps
(2019-sekarang/present)
President Director PT Bank Ina Perdana Tbk 21-Dec-23 21-Dec-23 Anti-Bribery & Corruption KEB Hana E-Learning Mobile
(2011-2018) (ABC) Apps
Independent Commissioner PT Bank Hana
(2010-2011)
Compliance Director PT Bank Hana (2008-2010)
Compliance Director PT Bank Bintang Manunggal
(2000-2007)
Kepala SKAI, Kepala Divisi Hukum dan
Administrasi Kredit, Kepala Divisi Pemasaran PT
Bank Bintang Manunggal(1999-2000)
Kepala Seksi Impor/Ekspor dan Jasa Valuta Asing,
Kepala Bagian Dana dan Wakil Kepala Cabang
Bidang Pemasaran Bank Dagang Negara (d/h
Bank Mandiri) (1983-1990)
Anggota Komite Audit dan Komite Pemantau 07-Mar-23 07-Mar-23 Pakta Integritas 2023 KEB Hana Mangkuluhur City
Risiko PT Bank KEB Hana Indonesia (2020–
sekarang/present)
Head of the Doctoral Program Study Perbanas 07-Mar-23 07-Mar-23 Compliance Control Self- KEB Hana Mangkuluhur City
Institute (2023-sekarang/present) Assessment & Insider
Trading (CSA) 2023
Vice Dean of Graduate School Perbanas Institute 28-Nov-23 28-Nov-23 Refresher - Fraud Risk KEB Hana E-Learning Mobile
(2021-2023) Awareness 2023 Apps
Head of Distance Learning Unit Perbanas 21-Dec-23 21-Dec-23 Anti-Bribery & Corruption KEB Hana E-Learning Mobile
Institute (2018-2019) (ABC) Apps
Head of Representative Perbanas Campus Bekasi
Perbanas Institute (2017-2018)
Director of Quality Assurance and Compliance
Perbanas Institute (2016-2017)
Director of Internationalization and Cooperation
Perbanas Institute (2014-2016)
Chairman of Bapomi DKI Jakarta (2011-2016)
Vice Rector for Academic Affairs Perbanas
Institute (2011-2014)
General Manager of Comptroller Division
Perbanas Institute (2008-2009)
Vice Dean for Academic Affairs STIE Perbanas
(Business School) (2003-2007)
Vice Dean for Student, Alumni, and PR Affairs STIE
Perbanas (Business School) (2000-2003)
Secretary of department of Management STIE
Perbanas (Business School) (1994-1995)
Head of department of Information Management
dan Head of department of Information
Technology STIMIK Perbanas (Informatics School)
(1994-1995)
Secretary team for Opening of Postgraduate
Program STIE Perbanas (Business School) (1993-
1994)
Head of Planning and Statistic Unit STIE Perbanas
(Business School) (1992-1993)
Secretary team for Opening of Informatics School
STIE Perbanas (Business School) (1992-1993)
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 479
Page 484
III. Anggota Direksi
Board of Directors
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
1 Jong Jin Park Direktur Utama 57 Korea Selatan Magister Bisnis Administrasi, Universitas
President Director South Korean Sungkyunkwan, Seoul (2014)
Sarjana Bisnis Administrasi, Universitas Sogang, Seoul
(1991)
2 Seong Hyeok Direktur Keuangan 54 Korea Selatan Sarjana Bisnis Administrasi, Universitas Yonsei, Seoul
Mun* Finance Director South Korean (1994)
480 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
Direktur Utama PT Bank KEB Hana Indonesia 17-Mar-23 17-Mar-23 Training IT Knowledge For Yuliardi Sutedja Mangkuluhur City
(2020-sekarang/present); BOD - Cyber Security K.
Direktur Keuangan PT Bank KEB Hana Indonesia 01-Apr-23 01-Apr-23 Expatriate Workshop Q1 KEB Hana Rainbow Hills
(2017-2020); 2023
Division Head Global Business Group KEB Hana 08-Jul-23 08-Jul-23 Expatriate Workshop Q3 KEB Hana Cengkareng
Bank, Korea (2016-2017); 2023
General Manager Hana Financial Group, Korea 26-Oct-23 26-Oct-23 Economic Outlook 2024: Hana Financial Hotel Mulia
(2014–2016); Indonesia's Real Estate Group Senayan
Market Trends Management
Research
General Manager Hana Bank, Korea (2002-2013); 03-Nov-23 04-Nov-23 Whistleblowing Policy KEB Hana E-Learning Mobile
and System of Hana Bank Apps
(Headquarter Compliance
Training)
Senior Manager Hana Bank, Korea (2002); 21-Dec-23 21-Dec-23 AML-CTF Foundations KEB Hana ACAMS Online
Training
Research Officer & Assistant Manager Hana Bank,
Korea (1996-2002);
Clerk & Assistant Manager Boram Bank, Korea
(1991-1996);
Clerk Cho Hung Bank, Korea (1991); dan/and
Clerk Boram Bank Taepyeongro Branch, Korea
(1994-1996).
Direktur Keuangan PT Bank KEB Hana Indonesia 04-Jul-23 30-Mar-24 Keanggotaan Asosiasi ACI FMA Mangkuluhur City
(2023-sekarang/present); Profesi Treasury 2023 (ACI Indonesia
FMA Indonesia) /
Managing Director KEB Hana Bank Global Group, 08-Jul-23 08-Jul-23 Expatriate Workshop Q3 KEB Hana Cengkareng
Korea (2022-2023); 2023
Head of Collabo. KEB Hana Bank Suwon Finance 26-Oct-23 26-Oct-23 Economic Outlook 2024: Hana Financial Hotel Mulia
Center, Korea (2022); Indonesia's Real Estate Group Senayan
Market Trends Management
Research
Head of Hub. KEB Hana Bank Sinchon Branch, Korea 03-Nov-23 04-Nov-23 Whistleblowing Policy KEB Hana E-Learning Mobile
(2019-2022); and System of Hana Bank Apps
(Headquarter Compliance
Training)
Branch Manager KEB Hana Bank Sung ui-dong 21-Dec-23 21-Dec-23 AML-CTF Foundations KEB Hana ACAMS Online
Branch, Korea (2015-2018); Training
General Manager KEB Hana Bank SMEs & Startup
Banking Department, Korea (2014-2015);
General Manager Hana Bank Commercial Banking
Division, Korea (2014);
General Manager Hana Bank Gangnam Joongang
Business Division, Korea (2013-2014);
General Manager Hana Bank Corporate Banking
Department, Korea (2011-2013);
Kepala Divisi Corporate Banking PT Bank Hana
(2008-2011);
Senior Manager Hana Bank Corporate Banking
Division, Korea (2008);
Senior Manager Hana Bank Global Business Division,
Korea (2008);
Manager Hana Bank Human Resources Department,
Korea (2007-2008);
Manager Hana Bank Real Estate Finance Team,
Korea (2005-2007);
Manager Hana Bank Credit Approval Department,
Korea (2005);
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 481
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Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
3 Sang Keun Kwak Direktur Teknologi 52 Korea Selatan Sarjana Production Mechanical Engineering,
Informasi South Korean Universitas Nasional Kunsan, Seoul (1996)
Information Technology
Director
4 Bayu Wisnu Direktur Kepatuhan dan 60 Indonesia Magister Manajemen Internasional, Universitas
Wardhana Legal Indonesian Prasetiya Mulya, Jakarta (2002)
Compliance & Legal
Director
Sarjana Akuntansi, Universitas Gadjah Mada,
Yogyakarta (1989)
482 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
Manager Hana Bank Real Estate Finance Team,
Korea (2005);
Manager Hana Bank Credit Approval Team, Korea
(2001-2005);
Assistant Manager Hana Bank Corporate Banking
Division (Gangnam-yeok), Korea (1998-2001);
Clerk Boram Bank Corporate Unit, Korea (1998); dan
Clerk Boram Bank Commercial Unit, Korea (1996-
1998).
Direktur Informasi Teknologi PT Bank KEB Hana 02-Mar-23 11-Aug-23 Indonesian Language SIB School of Mangkuluhur City
Indonesia (2021-sekarang/present); Course for BOD Language
IT Manager PT NEXT Transformatech Indonesia 08-Jul-23 08-Jul-23 Expatriate Workshop Q3 KEB Hana Cengkareng
(2020-2021); 2023
Chief Information Officer PT Bank KEB Hana 26-Oct-23 26-Oct-23 Economic Outlook 2024: Hana Financial Hotel Mulia
Indonesia (2020); Indonesia's Real Estate Group Senayan
Market Trends Management
Research
Kepala Divisi Teknologi Informasi PT Bank KEB Hana 03-Nov-23 04-Nov-23 Whistleblowing Policy KEB Hana E-Learning Mobile
Indonesia (2016-2020); and System of Hana Bank Apps
(Headquarter Compliance
Training)
Deputy General Manager Hana Bank, Korea (2015- 14-Dec-23 14-Dec-23 Refresher - Fraud Risk KEB Hana E-Learning Mobile
2016); Awareness 2023 Apps
Manager Hana Bank, Korea (2011-2014); 21-Dec-23 21-Dec-23 AML-CTF Foundations KEB Hana ACAMS Online
Training
Associate Hana Bank, Korea (2001-2010); dan
Associate Parker Hannifin Co, Korea (1996-2000).
Direktur Kepatuhan & Legal PT Bank KEB Hana 01-Mar-23 01-Mar-23 Lesson Learned Program KEB Hana Mangkuluhur City
Indonesia (2020-sekarang/present); terkait Kasus Hukum dan
Sanksi Regulator
Direktur Kepatuhan dan Risiko PT Bank KEB Hana 17-Mar-23 17-Mar-23 Training IT Knowledge For Yuliardi Sutedja Mangkuluhur City
Indonesia (2016-2020); BOD - Cyber Security K.
Direktur Keuangan PT Bank KEB Hana Indonesia 12-Jul-23 12-Jul-23 Implementation of PDPL KEB Hana Mangkuluhur City
(2016); & Challenges to Their
Implementation
Direktur Konsumer Bisnis dan Operasional PT Bank 14-Jul-23 14-Jul-23 Talent Program 2023: KEB Hana Mangkuluhur City
KEB Hana Indonesia (2014-2015); Mentor Sharing Periode
Juli 2023
Direktur Kepatuhan PT Bank Hana (2010-2014); 26-Oct-23 26-Oct-23 Economic Outlook 2024: Charta Politika Hotel Mulia
Early Look into Presidential Indonesia Senayan
Election 2024
Direktur Marketing & Treasury State Bank of India 26-Oct-23 26-Oct-23 Economic Outlook Trimegah Hotel Mulia
(2009-2010); 2024: Much Ado About Sekuritas Senayan
Something
Direktur Kepatuhan Bank Finconesia (2003-2008); 03-Nov-23 04-Nov-23 Whistleblowing Policy KEB Hana E-Learning Mobile
and System of Hana Bank Apps
(Headquarter Compliance
Training)
Direktur Treasury dan Operasional Bank Finconesia 14-Dec-23 14-Dec-23 Refresher - Fraud Risk KEB Hana E-Learning Mobile
(2000-2003); Awareness 2023 Apps
Manajer Departemen Akuntansi, Perencanaan, dan
Anggaran Bank Finconesia (1993-1999);
Audit Manager Saseka Finance (1991-1993); dan
Assistant Manager Mitsui Swadharma Bank (1989-
1991).
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 483
Page 488
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
5 Ratna Ningsih Direktur Kredit 60 Indonesia Sarjana Akuntansi, Universitas Trisakti, Jakarta (1987)
Credit Director Indonesian
6 Geoffry Nugraha** Direktur Bisnis 52 Indonesia Master of Business Administration, Hawaii Pacific
Business Director Indonesian University, Hawaii (1996)
Sarjana Science in Business Administration, Hawaii
Pacific University, Hawaii (1994)
484 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 489
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
PT Bank KEB Hana Indonesia: 26-Jan-23 03-Feb-23 2023 Global Workshop & KEB Hana Cheongna IT Hana
Global Employee for BOD Bank Incheon
- Direktur Kredit (2020-sekarang/present); dan 17-Mar-23 17-Mar-23 Training IT Knowledge For Yuliardi Sutedja Mangkuluhur City
BOD - Cyber Security K.
- Chief Credit Officer (2020); 26-Oct-23 26-Oct-23 Economic Outlook 2024: Charta Politika Hotel Mulia
Early Look into Presidential Indonesia Senayan
Election 2024
PT Bank Maybank Indonesia Tbk: 26-Oct-23 26-Oct-23 Economic Outlook Trimegah Hotel Mulia
2024: Much Ado About Sekuritas Senayan
Something
- Head of Business Banking (2020); 03-Nov-23 04-Nov-23 Whistleblowing Policy KEB Hana E-Learning Mobile
and System of Hana Bank Apps
(Headquarter Compliance
Training)
- Head of CFS Assets Quality Management (2018- 14-Dec-23 14-Dec-23 Refresher - Fraud Risk KEB Hana E-Learning Mobile
2019); Awareness 2023 Apps
- Head of CFS Credit Approval (2016-2018);
- Head of SME & Business Banking Credit Approval
(2009-2016);
PT Bank International Indonesia Tbk:
- Head of Bank Wide Risk Management (2003-2008);
- Head of Commercial & Consumer Credit Risk
Management and Restructuring (2000-2002);
- Head of Mortgage Loan (1996-2000);
- Area Credit Risk Management Officer (1995-1996);
- Branch Manager Jakarta Selatan (1993-1994);
- Branch Manager Bandung (1990-1993);
- Team Leader Commercial & Corporate Loan (1989-
1990); dan
- Account Officer Commercial & Corporate Loan
(1988-1989).
Direktur Bisnis PT Bank KEB Hana Indonesia 27-Jul-23 27-Jul-23 Business Overview & KEB Hana Mangkuluhur City
(2023-sekarang/present); Strategy H2 2023
PT Bank QNB Indonesia Tbk: 25-Aug-23 25-Aug-23 SME & Sales Distribution KEB Hana Mangkuluhur City
Strategy Workshop
- Wholesale Banking Director (2019-2023); dan 27-Oct-23 27-Oct-23 Business 2024 Target Plan KEB Hana Hotel Ayana
Midplaza
- Acting Chief Executive Officer and Wholesale 03-Nov-23 04-Nov-23 Whistleblowing Policy KEB Hana E-Learning Mobile
Banking Director (2017-2019); and System of Hana Bank Apps
(Headquarter Compliance
Training)
Executive Director, Head of Corporate Banking PT 14-Dec-23 14-Dec-23 Refresher - Fraud Risk KEB Hana E-Learning Mobile
Bank UOB Indonesia (2014-2019) Awareness 2023 Apps
Head of Corporate Banking PT Bank ANZ Indonesia
(2012-2014);
Head of Local Corporate PT Bank ANZ Indonesia
(2008-2012);
Head of Transaction Banking, Wholesale Banking,
Standard Chartered Bank Indonesia (2007-2008);
Head of Trade Sales Standard Chartered Bank
Indonesia (2006-2007);
Vice President Commercial Banking HSBC Indonesia
(2003-2005);
AVP Financial Specialist, Divisi Manajemen Risiko
Kredit, HSBC Indonesia (2000-2003);
Analis Kredit, Departemen Manajemen Risiko,
Rabobank International Indonesia (1999-2000); dan
Relationship Manager, PT Bank Danamon Indonesia
(1996-1999).
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 485
Page 490
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
7 Anton Direktur Perbankan 54 Indonesia Magister Manajemen, Universitas Indonesia, Depok
Hermawan*** Konsumer Indonesian (2003)
Consumer Banking
Director
Sarjana Fisika, Institut Teknologi Bandung, Bandung
(1992)
8 Hang Keun Direktur Keuangan 54 Korea Selatan Sarjana Ekonomi, Universitas Sungkyunkwan, Seoul
Cho**** Finance Director South Korean (1994)
486 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 491
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
PT Bank KEB Hana Indonesia: 17-Mar-23 17-Mar-23 Training IT Knowledge For Yuliardi Sutedja Mangkuluhur City
BOD - Cyber Security K.
- Direktur Perbankan Konsumer (2021-2023); dan 19-Apr-23 20-Apr-23 CITI Digital Bank Citibank Raffles Hotel
Conference 2023
- Chief Consumer Banking Officer (2021); 12-Oct-23 12-Oct-23 Consumer Banking 2024 KEB Hana Pullman Hotel,
Business Target Plan Jakarta
Executive Vice President, Head of Digital Business 26-Oct-23 26-Oct-23 Economic Outlook 2024: Charta Politika Hotel Mulia
Development Directorate Strategy, Finance & SPAPM Early Look into Presidential Indonesia Senayan
PT Bank CIMB Niaga Tbk (2018-2021) Election 2024
Group Head of Digital Banking PT Bank Sinarmas 26-Oct-23 26-Oct-23 Economic Outlook Trimegah Hotel Mulia
Tbk (2017-2018); 2024: Much Ado About Sekuritas Senayan
Something
PT Bank Permata Tbk: 03-Nov-23 04-Nov-23 Whistleblowing Policy KEB Hana E-Learning Mobile
and System of Hana Bank Apps
(Headquarter Compliance
Training)
- Senior Vice President, Head of Business
Transformation, Business Transformation Strategy
Office Group (2016-2017);
- Head of Astra Synergy (2014-2016);
- Head of E-Channel (2009-2014);
PT Bank Central Asia Tbk:
- Head of Domestic Banking Support Bureau
Department (2008-2009);
- Head of Electronic Banking Transaction Processing
Department (1999-2008);
- Unit Head Consumer Banking Operation
Department (1996-1999);
Senior Maintenance Engineer Philips Industries
Batam (1994-1996); dan
Electrical Fabrication Engineer Philips Singapore Pte
Ltd (1993-1994)
- Deputy Division Head, Credit Review Division (1987-
1988);
Credit Officer Bank Central Asia, New York, USA
(1986-1987);
Credit Analyst Worthen Bank, Little Rock, Arkansas,
USA (1985 1986); dan
Credit Trainee Bank of Trade, San Francisco – CA, USA
(1984-1985).
Direktur Keuangan PT Bank KEB Hana Indonesia 15-Feb-23 15-Feb-23 Kick Off Meeting 2023 (No KEB Hana CGV Pacific Place
(2021-2023); Limit, Ready for the Big
Jump)
General Manager Global Group KEB Hana Bank, 17-Mar-23 17-Mar-23 Training IT Knowledge For Yuliardi Sutedja Mangkuluhur City
Korea (2020-2021); BOD - Cyber Security K.
Team Head International Trade Product and Support 31-Mar-24 31-Mar-24 Keanggotaan Asosiasi ACI FMA Mangkuluhur City
Department KEB Hana Bank, Korea (2017-2020); Profesi Sertifikasi Tresuri Indonesia
/ 2023
Marketing General Manager Jeung Kwon Town 01-Apr-23 01-Apr-23 Expatriate Workshop Q1 KEB Hana Rainbow Hills
Branch KEB Hana Bank, Korea (2015- 2017); 2023
Kepala Divisi Credit Review PT Bank KEB Hana
Indonesia (2011-2015);
Senior Credit Analyst Hana Bank, Korea (2010-2011);
Deputy General Manager Seosomun Branch Hana
Bank, Korea (2009-2010);
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 487
Page 492
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
9 Junita Direktur Bisnis 60 Indonesia Master of Business Administration, University of San
Wangsadinata***** Business Director Indonesian Francisco, San Francisco (1984)
Sarjana Science, San Francisco State University, San
Francisco (1983)
Keterangan:
*
“Efektif menjabat sebagai Direktur Keuangan pada tanggal 5 Mei 2023. / Effective as Finance Director on May 5, 2023.“
**
“Efektif menjabat sebagai Direktur Bisnis pada tanggal 15 Agustus 2023. / Effective as Business Director on August 15, 2023.“
***
“Efektif mengundurkan diri sebagai Direktur Perbankan Konsumer pada tanggal 1 Januari 2024. / Effective January 1, 2024, he will resign as Director of Consumer Banking.“
****
“Efektif mengundurkan diri sebagai Direktur Keuangan pada tanggal 5 Mei 2023. / Effectively resigned as Finance Director on May 5, 2023.“
*****
“Efektif mengundurkan diri sebagai Direktur Bisnis sejak penutupan RUPS Tahunan tanggal 9 Juni 2023. / Effective resignation as Business Director since the closing of the
Annual GMS on June 9, 2023. “
488 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
Deputy General Manager Hana Bank, New York
Branch(2004-2009);
Manager Secretariat President & Chief Executive
Officer Hana Bank, Korea (2000-2004);
Assistant Manager Corporate Business Department
Hana Bank, Korea (1998-2000); dan
Associate Nowon Lotte Branch, Samsung Center
Branch, Hana Bank, Korea (1994-1998).
Direktur Bisnis PT Bank KEB Hana Indonesia (2021- 26-Jan-23 03-Feb-23 2023 Global Workshop & KEB Hana Cheongna IT Hana
2023); Global Employee for BOD Bank Incheon
Independent Financial Consultant (2019-2020); 15-Feb-23 15-Feb-23 Kick Off Meeting 2023 (No KEB Hana CGV Pacific Place
Limit, Ready for the Big
Jump)
PT Bank QNB Indonesia Tbk: 16-Feb-23 17-Feb-23 Business Workshop Lego Serious The Westin Hotel
2023 for SME & Sales Play
Distribution
- Acting Chief Executive Officer and Wholesale
Banking Director (2017-2019); dan
- Wholesale Banking Director (2017);
PT Bank CIMB Niaga Tbk:
- Board of Management, Chief of Commercial
Banking (2016-2017);
- Board of Management, Coordinator Corporate
Client Solutions (2014-2015);
- Executive Vice President, Head of Corporate Client
Solutions II (2010-2014);
- Senior Vice President, Corporate Client Solutions
(CCS) 3 Group Head (2009-2010);
- Senior Vice President, Corporate Banking IV Head
(2008-2009);
PT Bank Lippo Tbk:
- Vice President, Corporate Banking Group Head
(2006-2008);
- Vice President, Network Group Head (2005-2006);
- Vice President, General Affairs Group Head
(2004-2005);
- Senior Vice President, General Affairs Group Head
(2003-2004);
- Assistant to General Affairs Group Head (2002-
2003);
- Vice President, Assistant to Business Operations
Director (1999-2000);
- Vice President, Branch Banking II Group Head
(1997-1999);
- Regional Office Head Sawah Besar (1992-1997);
- Branch Manager Sawah Besar (1989-1991);
- Deputy Branch Manager Panglima Polim (1988-
1989); dan
- Deputy Division Head, Credit Review Division (1987-
1988);
Credit Officer Bank Central Asia, New York, USA
(1986-1987);
Credit Analyst Worthen Bank, Little Rock, Arkansas,
USA (1985 1986); dan
Credit Trainee Bank of Trade, San Francisco – CA, USA
(1984-1985).
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 489
Page 494
IV. Anggota Komite Direksi
Board of Directors Committee Members
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
1 Windhi IT Operation Head 41 Indonesia Bachelor Degree EKONOMI BINA NUSANTARA
Wirastari Indonesian UNIVERSITY (2004)
2 Daniel Satya IT MIS Head 38 Indonesia Bachelor Degree, Fisika, Universitas Padjajaran (2001)
Loka Indonesian
490 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
ACCOUNTING PT KOREA INDONESIA FORESTRY 27-Jan-23 27-Jan-23 Legal Aspect of LHBM Counsel Mangkuluhur City
(2011-2012) Information Technology
and Digital Banking
DEPOSIT AND CASHIER PT BANK KEB INDONESIA 2-Mar-23 2-Mar-23 Sistem Manajemen Robere & Mangkuluhur City
(2012-2014) Keamanan Informasi Associates
(Awareness ISO/IEC 27001-
2013)
CS KCP PT. Bank KEB Hana Indonesia (2014-2014) 27-Mar-23 29-Mar-23 Training Database Design Binus Center Mangkuluhur City
with Microsoft SQL Server
Operation Development Officer PT. Bank KEB Hana 29-May-23 29-May-23 Destroy SILO Concept KEB Hana Mangkuluhur City
Indonesia (2014-2017) Training
Processing Support Officer PT. Bank KEB Hana 15-Sep-23 15-Sep-23 Refreshment APU PPT KEB Hana E-Learning Mobile
Indonesia (2017-2019) 2023 Apps
Acting Centralization Operation ATM Unit Head PT. 22-Sep-23 22-Sep-23 Talent Projects Recognition KEB Hana Mangkuluhur City
Bank KEB Hana Indonesia (2019-2019)
ATM Reconciliation and ATM Mobile Service Unit 20-Oct-23 20-Oct-23 Front End Interface Next TI Mangkuluhur City
Head PT. Bank KEB Hana Indonesia (2019-2019) Technical Training
CCV and Wealth Management Processing Unit Head 6-Dec-23 6-Dec-23 Best Infrastructure & Next TI Mangkuluhur City
PT. Bank KEB Hana Indonesia (2019-2020 Architecture Review
Operation Surveillance Unit Head PT. Bank KEB Hana 13-Dec-23 13-Dec-23 Rebuild HOBIS Java Spring Next TI Mangkuluhur City
Indonesia (2020-2021) Batch Training Program
Application Support Unit Head PT. Bank KEB Hana 20-Dec-23 20-Dec-23 Card Refreshment - Next TI Mangkuluhur City
Indonesia ( 2021-2021) Rebuild HOBIS
Application Support Lead PT. Bank KEB Hana
Indonesia (2021-2023)
IT Operation Head PT. Bank KEB Hana Indonesia
(2023-sekarang/present)
Software Tester, PT Integritas Makmur Mandiri (2008- 19-Jan-23 19-Jan-23 Talent Program 2023 Coaching Mangkuluhur City
2010) - Training Program for Indonesia
Senior Talent: Coaching
Skills
Programmer, PT Integritas Makmur Mandiri (2010- 24-Jan-23 24-Jan-23 Talent Program 2023 - Helmy Yahya Mangkuluhur City
2012) Coaching Program: Talent
Sharing Session
IT Accounting & MIS Staff,PT Bank KEB Hana 25-Jan-23 25-Jan-23 Talent Program 2023 - KEB Hana Mangkuluhur City
Indonesia (2012-2014) Coaching Program: BOD
Talk 2023
IT Accounting & MIS Officer, PT Bank KEB Hana 27-Jan-23 27-Jan-23 Legal Aspect of LHBM Counsel Mangkuluhur City
Indonesia(2014-2015) Information Technology
and Digital Banking
IT MIS Unit Head, PT Bank KEB Hana 21-Feb-23 21-Feb-23 Talent Program 2023 - KEB Hana Mangkuluhur City
Indonesia(2015-2017) Coaching Program: BOD
Talk 2023
IT Project Management Officer, PT Bank KEB Hana 24-Feb-23 24-Feb-23 Talent Program 2023 PT. NalarPrima Mangkuluhur City
Indonesia (Rehire -2017-2018) - Training Program for Lentera
Senior Talent: Negotiation Indonesia
Skills
IT MIS Unit Head, PT Bank KEB Hana Indonesia (2018- 2-Feb-23 2-Feb-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
2020) Phase II
IT MIS Department Head, PT Bank KEB Hana 2-Mar-23 2-Mar-23 Sistem Manajemen Robere & Mangkuluhur City
Indonesia (2020-2021) Keamanan Informasi Associates
(Awareness ISO/IEC 27001-
2013)
IT MIS Head, PT Bank KEB Hana Indonesia 13-Mar-23 17-Mar-23 Data Management Body of Multimatics AXA Tower 37th
(2021-sekarang/present ) Knowledge (DMBOK 2.0) Floor
14-Apr-23 14-Apr-23 Talent Program 2023 - Dharma Mangkuluhur City
Coaching Program: Talent Simorangkir
Sharing Session periode
April
14-Jun-23 14-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
2023 Apps
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 491
Page 496
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
3 Feriyadi Data Centre and Technical 42 Indonesia Bachelor Degree, Teknik Informatika, Stimik Perbanas
Head Indonesian (1998)
4 Jimmy Eduard IT Core Banking Head 36 Indonesia Bachelor Degree, Informatika Engineering, Institute
Rizky Indonesian Teknologi Telkom (2008)
492 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 497
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
22-Jun-23 22-Jun-23 Sharing Session: Subdit Mangkuluhur City
Pengenalan Bentuk FISMONDEV
Kejahatan Kriminalitas Polda Metro
Lingkup Perbankan Jaya & Staff Ahli
(Mantan Kepada
PPATK) - Bp. Dr.
Yunus Husein
22-Sep-23 22-Sep-23 Talent Program 2022 Park Jong Jin & Head Office & Hotel
- Talent Engagement Dino Patti Djalal Westin - Jakarta
Program
Service & Network , PT WPC (2006-2008) 2-Feb-23 2-Feb-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
Phase II
Computer admin,Usiad Indonesia (2008-2010) 2-Mar-23 2-Mar-23 Sistem Manajemen Robere & Mangkuluhur City
Keamanan Informasi Associates
(Awareness ISO/IEC 27001-
2013)
Field Engineer, PT Aneka Infokom (2010) 27-Apr-23 27-Apr-23 Learning Session - FGD KEB Hana Mangkuluhur City
Destroy SILO Group 13
IT Support Officer, PT Bank KEB Hana Indonesia 20-Jun-23 20-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
(2010-2015) 2023 Apps
IT System and Support Officer, PT Bank KEB Hana 25-Aug-23 25-Aug-23 Refreshment Program Karsa Bakti Mangkuluhur City
Indonesia (2015-2018) Sertifikasi Manajemen Lestari
Risiko 2023
IT Data Center Operations Unit Head, PT Bank KEB
Hana Indonesia (2018-2020)
IT Infrastructure Department Head, PT Bank KEB
Hana Indonesia (2020)
Data Centre and Technical Department Head,PT
Bank KEB Hana Indonesia (2021)
Data Centre and Technical Head,PT Bank KEB Hana
Indonesia (2021-sekarang/present)
Java Developer, PT Aprisma Indonesia (2010-2012) 21-Feb-23 21-Feb-23 Talent Program 2023 - KEB Hana Mangkuluhur City
Coaching Program: BOD
Talk 2023
Technical Leader, PT Aprisma Indonesia (2012-2014) 24-Feb-23 24-Feb-23 Talent Program 2023 PT. NalarPrima Mangkuluhur City
- Training Program for Lentera
Senior Talent: Negotiation Indonesia
Skills
Project manager, PT Megawastu solusindo (2014) 2-Feb-23 2-Feb-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
Phase II
IT Accounting Officer, PT Bank KEB Hana Indonesia 16-Jun-23 16-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
(2015) 2023 Apps
IT Accounting Unit Head, PT Bank KEB Hana 7-Jul-23 7-Jul-23 Hana Leadership Journey KEB Hana Mangkuluhur City
Indonesia (2016-2017) Workshop
IT Accounting & MIS Department Head, PT Bank KEB 25-Aug-23 25-Aug-23 Refreshment Program Karsa Bakti Mangkuluhur City
Hana Indonesia (2017-2019) Sertifikasi Manajemen Lestari
Risiko 2023
IT Accounting Department Head, PT Bank KEB Hana 22-Sep-23 22-Sep-23 Talent Program 2022 Park Jong Jin & Head Office & Hotel
Indonesia (2019-2020) - Talent Engagement Dino Patti Djalal Westin - Jakarta
Program
IT Core Banking Department Head, PT Bank KEB 22-Sep-23 22-Sep-23 Talent Projects Recognition KEB Hana Mangkuluhur City
Hana Indonesia (2019-2020)
Core Banking Department Head, PT Bank KEB Hana 20-Oct-23 20-Oct-23 Front End Interface Next TI Mangkuluhur City
Indonesia (2020-2021) Technical Training
IT Core Banking Department Head, PT Bank KEB 23-Oct-23 23-Oct-23 Java-IntelliJ-GitLab Next TI Mangkuluhur City
Hana Indonesia (2021) Training
IT Core Banking Head, PT Bank KEB Hana Indonesia 18-Nov-23 9-Dec-23 Spring Boot Microservices Brainmatics Mangkuluhur City
(2021- sekarang/present) Fundamentals Training
22-Nov-23 22-Nov-23 Accounting Module & APIM Next TI Mangkuluhur City
Technical Skill Program
6-Dec-23 6-Dec-23 Best Infrastructure & Next TI Mangkuluhur City
Architecture Review
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 493
Page 498
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
5 Tito Ananda Manpower Management 42 Indonesia Bachelor Degree, Hukum Univ Atmajaya, DKI Jakarta
Bintarto Head Indonesian (1999)
6 Sausan Credit Administration Head 37 Indonesia Bachelor Degree, Economics Management, Universitas
Indonesian Pancasila, DKI Jakarta (2009)
494 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 499
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
13-Dec-23 13-Dec-23 Rebuild HOBIS Java Spring Next TI Mangkuluhur City
Batch Training Program
20-Dec-23 20-Dec-23 Card Refreshment - Next TI Mangkuluhur City
Rebuild HOBIS
Lecturer Assistant, Universitas Atma Jaya (2001-2002) 2-Feb-23 2-Feb-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
Phase II
Recruitment &Training Specialist, Standard 20-Jun-23 20-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
Chartered (2002-2005) 2023 Apps
Hr Business Patrner Manager, Hsbc (2005-2008) 12-Sep-23 13-Sep-23 Pembekalan dan Uji PT Atma Jaya Mangkuluhur City
Kompetensi BNSP Mitra Nusantara
Manajemen SDM - General
Manager
Human Capital Dept East Indonesia Area Manager, 22-Sep-23 22-Sep-23 Talent Projects Recognition KEB Hana Mangkuluhur City
PT Central Protein Prima (2008-2011)
Manager Hrga&Amp;Legal Department, Pt Kirin 1-Dec-23 2-Dec-23 2023 FHCPI Annual FHCPI Royal Tulip Gunung
Miwon Foods (2011-2012) Conference Geulis Resort
Hr Relationship Manager East Java,Pt Central Pertiwi
Bahari (2012)
Head Of Hrga Division, Bank Agris (2012)
Hr Relationship Manager, Pt Central Windu Sejati
(2012)
Manpower Management Department Head, PT Bank
KEB Hana Indonesia (2019-2021)
Manpower Management Head, PT Bank KEB Hana
Indonesia (2021-sekarang/present)
Merchandiser Staff, PT Panen Lestari Internusa (2007- 6-Feb-23 6-Feb-23 Training Enhancement KEB Hana Branch Office
2010) New Credit Policy & System
(Cash) Skill
Operational Branch, PT Bank KEB Hana Indonesia 2-Feb-23 2-Feb-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
(2010-2014) Phase II
Operation Head KCP Synergi Building ,PT Bank KEB 1-Mar-23 1-Mar-23 Lesson Learned Program KEB Hana Mangkuluhur City
Hana Indonesia (2014) terkait Kasus Hukum dan
Sanksi Regulator
Global Loan Admin Officer, PT Bank KEB Hana 19-May-23 27-May-23 Certificate in General Widya Dharma Mangkuluhur City
Indonesia (2015) Insurance (CGI) Artha & Asosiasi
Ahli Manajemen
Asuransi
Indonesia
Loan Admin Processing Officer 4, PT Bank KEB Hana 15-Jun-23 15-Jun-23 Sosialisasi Refreshment KEB Hana Mangkuluhur City
Indonesia (2015-2016) Ketentuan Pelaporan
Antasena
Acting Credit Admin Unit Head, PT Bank KEB Hana 16-Jun-23 16-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
Indonesia (2016) 2023 Apps
Credit Admin Unit Head, PT Bank KEB Hana 22-Jun-23 22-Jun-23 Sharing Session: Subdit Mangkuluhur City
Indonesia (2016-2017) Pengenalan Bentuk FISMONDEV
Kejahatan Kriminalitas Polda Metro
Lingkup Perbankan Jaya & Staff Ahli
(Mantan Kepada
PPATK) - Bp. Dr.
Yunus Husein
Acting Loan Admin Department Head,PT Bank KEB 7-Jul-23 7-Jul-23 Hana Leadership Journey KEB Hana Mangkuluhur City
Hana Indonesia (2017) Workshop
Loan Admin Department Head, PT Bank KEB Hana 22-Sep-23 22-Sep-23 Talent Program 2022 Park Jong Jin & Head Office & Hotel
Indonesia (2017-2020) - Talent Engagement Dino Patti Djalal Westin - Jakarta
Program
Loan Operation and Credit Insurance 1-Nov-23 30-Nov-23 Self Leadership to Develop Remaja E-Learning Mobile
Department Head, PT Bank KEB Hana Indonesia Personal Capability Tampubolon Apps
(2020-2022)
Credit Administration Head, PT Bank KEB Hana 9-Nov-23 9-Nov-23 Training Strengthening KEB Hana Mangkuluhur City
Indonesia(2022- sekarang/present) Capabilities In Credit Policy
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 495
Page 500
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
7 Welly Januardo Credit Policies Specialist 35 Indonesia Masters Degree,Finance Management, Ekonomi
Indonesian Universitas Gadjah Mada (2008)
8 Fransiska SMEC Credit Review Head 45 Indonesia Bachelor Degree, Ekonomi Unika Atmajaya, DKI Jakarta
Oktavia Depari Indonesian (1996)
496 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 501
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
Management Development Program PT. Bank OCBC 17-Jan-23 17-Jan-23 Talent Program 2023 - KEB Hana Mangkuluhur City
NISP, Tbk (2011-2011) Coaching Program: BOD
Talk 2023
Associate Relationship Manager, Pt. Bank Ocbc Nisp, 19-Jan-23 19-Jan-23 Talent Program 2023 Coaching Mangkuluhur City
Tbk (2011-2013) - Training Program for Indonesia
Senior Talent: Coaching
Skills
Commercial Banking Division Relationship Manager, 24-Jan-23 24-Jan-23 Talent Program 2023 - Helmy Yahya Mangkuluhur City
Pt Bank Icbc Indonesia (2013-2015) Coaching Program: Talent
Sharing Session
Retail B2B Officer, PT Bank KEB Hana Indonesia 28-Jan-23 28-Jan-24 Financial Modelling Corporate Mangkuluhur City
(2015-2016) and Valuation Analysis Finance Institute
Certification
Consumer Credit Review Officer, PT Bank KEB Hana 6-Feb-23 6-Feb-23 Training Enhancement KEB Hana Branch Office
Indonesia (2016-2017) New Credit Policy & System
(Cash) Skill
Secured Loan Credit Review Officer, PT Bank KEB 24-Feb-23 24-Feb-23 Talent Program 2023 PT. NalarPrima Mangkuluhur City
Hana Indonesia (2017-2018) - Training Program for Lentera
Senior Talent: Negotiation Indonesia
Skills
Acting Secured Loan Credit Review Unit Head, PT 2-Feb-23 2-Feb-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
Bank KEB Hana Indonesia (2018) Phase II
Secured Loan Credit Review Unit Head, PT Bank KEB 19-Jun-23 19-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
Hana Indonesia (2018) 2023 Apps
Retail and Consumer Review Unit Head, PT Bank 7-Jun-23 7-Jun-23 Talent Program 2023: KEB Hana Mangkuluhur City
KEB Hana Indonesia (2018-2020) Mentor Sharing Periode
Maret - Juni 2023
Corporate and Commercial Reviewer 5, PT Bank KEB 22-Sep-23 22-Sep-23 Talent Projects Recognition KEB Hana Mangkuluhur City
Hana Indonesia (2020-2021)
Credit Policies Specialist, PT Bank KEB Hana 2-Oct-23 2-Oct-23 Talent Program 2022 Park Jong Jin & Head Office & Hotel
Indonesia (2022-sekarang/present) - Talent Engagement Dino Patti Djalal Westin - Jakarta
Program
Senior Credit Approval For Business Banking, Pt 11-Jan-23 11-Jan-23 Talent Program 2023 - KEB Hana Mangkuluhur City
Bank Uob Indonesia (2003-2014) Coaching Program: BOD
Talk 2023
Supervisor Of Credit Analyst, Pt Uaf (2014-2017) 19-Jan-23 19-Jan-23 Talent Program 2023 Coaching Mangkuluhur City
- Training Program for Indonesia
Senior Talent: Coaching
Skills
Consumer Credit Review Unit 1 Head, PT Bank KEB 6-Feb-23 6-Feb-23 Training Enhancement KEB Hana Branch Office
Hana Indonesia (2017) New Credit Policy & System
(Cash) Skill
Consumer Credit Approval Department Head, PT 24-Feb-23 24-Feb-23 Talent Program 2023 PT. NalarPrima Mangkuluhur City
Bank KEB Hana Indonesia(2018) - Training Program for Lentera
Senior Talent: Negotiation Indonesia
Skills
Retail and Consumer Review Department Head, 2-Feb-23 2-Feb-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
PT Bank KEB Hana Indonesia (2018-2020) Phase II
SME and Consumer Review Department Head, 1-Mar-23 31-Mar-24 Certification Program CFI (Corporate Mangkuluhur City
PT Bank KEB Hana Indonesia (2020-2021) CBCA, FPWM, FMVA Finance
Institute)
SMEC Credit Review Head, PT Bank KEB Hana 14-Apr-23 14-Apr-23 Talent Program 2023 - Dharma Mangkuluhur City
Indonesia (2022 -sekarang/present ) Coaching Program: Talent Simorangkir
Sharing Session periode
April
14-Jun-23 14-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
2023 Apps
14-Jul-23 14-Jul-23 Training Enhancement KEB Hana Branch Office
New Credit Policy & System
(Cash) Skill
22-Sep-23 22-Sep-23 Talent Program 2022 Park Jong Jin & Head Office & Hotel
- Talent Engagement Dino Patti Djalal Westin - Jakarta
Program
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 497
Page 502
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
9 Kristian IT Governance and Risk 44 Indonesia Bachelor Degree, Teknik Informatika, Universitas Bina
Kharisma Head Indonesian Nusantara (1996)
Himawan
498 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 503
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
System Engineer, PT Multipolar TBK (2000-2008) 17-Jan-23 17-Jan-23 Talent Program 2023 - KEB Hana Mangkuluhur City
Coaching Program: BOD
Talk 2023
It System Support Management Head, Pt Bank 24-Jan-23 24-Jan-23 Talent Program 2023 - Helmy Yahya Mangkuluhur City
Permata Tbk (2008-2015) Coaching Program: Talent
Sharing Session
Technology Architecture Solutions Div Head, Pt Bank 27-Jan-23 27-Jan-23 Legal Aspect of LHBM Counsel Mangkuluhur City
Cimb Niaga Tbk (2015-2019) Information Technology
and Digital Banking
IT Infrastructure Department Head, PT Bank KEB 24-Feb-23 24-Feb-23 Talent Program 2023 PT. NalarPrima Mangkuluhur City
Hana Indonesia (2019-2020) - Training Program for Lentera
Senior Talent: Negotiation Indonesia
Skills
IT Governance and Risk Department Head, PT Bank 2-Feb-23 2-Feb-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
KEB Hana Indonesia (2020-2021) Phase II
IT Risk and Security Department Head, PT Bank KEB 2-Mar-23 2-Mar-23 Sistem Manajemen Robere & Mangkuluhur City
Hana Indonesia (2021) Keamanan Informasi Associates
(Awareness ISO/IEC 27001-
2013)
IT Governance and Risk Head, PT Bank KEB Hana 10-Apr-23 11-Apr-23 Audit Internal ISO/IEC Robere & Mangkuluhur City
Indonesia (2021-sekarang/present) 27001 Associaties
14-Apr-23 14-Apr-23 Talent Program 2023 - Dharma Mangkuluhur City
Coaching Program: Talent Simorangkir
Sharing Session periode
April
14-Jun-23 14-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
2023 Apps
7-Jun-23 7-Jun-23 Talent Program 2023: KEB Hana Mangkuluhur City
Mentor Sharing Periode
Maret - Juni 2023
16-Jun-23 16-Jun-23 Findings from recent KEB Hana E-Learning Mobile
Ongoing Surveillance Apps
and Matters for Caution
(E-Learning Mobile Apps)
16-Jun-23 16-Jun-23 Sex, Gender Discrimination KEB Hana E-Learning Mobile
and Sexual Harassment Apps
(Headquarter Compliance)
(E-Learning Mobile Apps )
7-Jul-23 7-Jul-23 Hana Leadership Journey KEB Hana Mangkuluhur City
Workshop
14-Jul-23 14-Jul-23 Talent Program 2023: KEB Hana Mangkuluhur City
Mentor Sharing Periode
Juli 2023
22-Aug-23 22-Aug-23 Refreshment Program Efektif Pro Mangkuluhur City
Sertifikasi Manajemen
Risiko 2023
22-Sep-23 22-Sep-23 Talent Program 2022 Park Jong Jin & Head Office & Hotel
- Talent Engagement Dino Patti Djalal Westin - Jakarta
Program
1-Oct-23 31-Oct-23 Certified Information ISACA Online
Security Manager (CISM)
3-Oct-23 3-Oct-23 Headquarter Compliance KEB Hana E-Learning Mobile
Training (Regulation Apps
Technology Training)
17-Oct-23 18-Oct-23 Transfer Pricing Updates PT Dimensi Mangkuluhur City
for Banking International Tax
(DDTC)
3-Oct-23 3-Oct-23 Measures to Innovate Bank KEB Hana E-Learning Mobile
Internal Controls in Korea_ Apps
English
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 499
Page 504
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
10 Fennyta Wijaya HC Operation and Service 46 Indonesia Masters Degree,Human Resources Mgt, Southern
Head Indonesian Institute Of Technology (2017)
11 Devi Agustino Wealth Management 44 Indonesia Bachelor Degree N/A UNIVERSITAS KATOLIK ATMAJAYA
Haryanto Business Head Indonesian JAYAKARTA (2004)
500 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 505
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
Chief Of Accounting And Finance, Apartment Slipi 19-Jan-23 19-Jan-23 Talent Program 2023 - KEB Hana Mangkuluhur City
(2000-2003) Coaching Program: BOD
Talk 2023
Accounting And Finance Senior Officer, Pt Probesco 19-Jan-23 19-Jan-23 Talent Program 2023 Coaching Mangkuluhur City
Disatama (2003-2005) - Training Program for Indonesia
Senior Talent: Coaching
Skills
Chief Of Accounting And Finance, Pt Asia Electric 24-Jan-23 24-Jan-23 Talent Program 2023 - Helmy Yahya Mangkuluhur City
Industries (2005-2006) Coaching Program: Talent
Sharing Session
Accounting And Finance Supervisor, Apartment 2-Feb-23 2-Feb-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
Sudirman Park (2006-2007) Phase II
Hc Corporate Operation Head, Pt Bank Danamon 14-Apr-23 14-Apr-23 Talent Program 2023 - Dharma Mangkuluhur City
Indonesia (2007-2016) Coaching Program: Talent Simorangkir
Sharing Session periode
April
Hc Development And Strategy Department Head, Pt 15-Jun-23 15-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
Bank Keb Hana Indonesia (2019) 2023 Apps
Hc Operation And Service Department Head, Pt 16-Jun-23 18-Jun-23 Professional Coach Coaching Ra Suites,
Bank Keb Hana Indonesia (2019-2021) Certification Program Indonesia Simatupang
(PCCP)
Hc Operation And Service Head, Pt Bank Keb Hana 22-Jun-23 22-Jun-23 Sharing Session: Subdit Mangkuluhur City
Indonesia (2021-Sekarang/Present) Pengenalan Bentuk FISMONDEV
Kejahatan Kriminalitas Polda Metro
Lingkup Perbankan Jaya & Staff Ahli
(Mantan Kepada
PPATK) - Bp. Dr.
Yunus Husein
29-Aug-23 29-Aug-23 Tax Training: Natura SF Consulting Mangkuluhur City
Remuneration as Income
Tax Object Employee
12-Sep-23 13-Sep-23 Pembekalan dan Uji PT Atma Jaya Mangkuluhur City
Kompetensi BNSP Mitra Nusantara
Manajemen SDM - General
Manager
2-Oct-23 2-Oct-23 Talent Program 2022 Park Jong Jin & Head Office & Hotel
- Talent Engagement Dino Patti Djalal Westin - Jakarta
Program
SALES MANAGEMENT INVESTMENT DEPT HEAD 9-May-23 9-May-23 On Boarding Program KEB Hana Mangkuluhur City
COMMONWEALTH BANK (2017-2021) (New Employee
Orientation Program)
Head of WM & Sales Pluang (2021-2022) 15-Jun-23 15-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
2023 Apps
Wealth Management Business Head PT. Bank KEB 1-Jun-23 1-Jun-23 Basic APU PPT (E-Learning KEB Hana E-Learning Mobile
Hana Indonesia ( 2023-sekarang/present) Mobile Apps) Apps
2-Jun-23 2-Jun-23 Fraud Risk Awareness KEB Hana E-Learning Mobile
(E-Learning Mobile Apps) Apps
7-Jul-23 7-Jul-23 Hana Leadership Journey KEB Hana Mangkuluhur City
Workshop
6-Oct-23 6-Oct-23 Sosialisasi Compliance: KEB Hana Online
DHE SDA dan Sekuritas
Rupiah Bank Indonesia
13-Oct-23 13-Oct-23 Integrity & Morality LEARNING Mangkuluhur City
Program RESOURCES
27-Oct-23 27-Oct-23 Business 2024 Target Plan KEB Hana Hotel
13-Dec-23 13-Dec-23 Refresher - Fraud KEB Hana E-Learning Mobile
Risk Awareness 2023 Apps
(E-Learning Mobile Apps)
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 501
Page 506
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
12 Meilynda A HC Strategy Partner Head 52 Indonesia Bachelor Degree, Industrial and Systems Engineering,
Aditianto Indonesian Ohio University (1992)
13 Indra Wibowo Anti Fraud Specialist 1 44 Indonesia Bachelor Degree,Economic and Finance, Stie Perbanas
Indonesian (1996)
502 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 507
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
Project Analyst, PT Freeport Indonesia Company 27-Apr-23 27-Apr-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
(1992-1996) Phase II
Business Development Manager, Pt Lend Lease 15-Jun-23 15-Jun-23 Future Forward Indonesia HR World South JW Marriott Hotel
Graha Indonesia (1996-2000) Certification Workshop East Asia
2023 (Meilynda A)
Quality Head, Citibank N.A (2000-2005) 15-Jun-23 15-Jun-23 Learning Session - KEB Hana Mangkuluhur City
Development Program
for SFL
Internal Communications Head, Standard Chartered 15-Jun-23 15-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
Bank (2005-2008) 2023 Apps
Transformation Head, Pt Bank Danamon Indonesia 7-Jul-23 7-Jul-23 Hana Leadership Journey KEB Hana Mangkuluhur City
(2008-2018) Workshop
Strategic Transformation Officer,PT Bank KEB Hana 15-Aug-23 15-Aug-23 Business Process Rifki Rizal Mangkuluhur City
Indonesia (2019-2020) Improvement in Service Derrian
Front-line Area
HC Strategy Partner Department Head, PT Bank KEB 12-Sep-23 13-Sep-23 Pembekalan dan Uji PT Atma Jaya Mangkuluhur City
Hana Indonesia (2021) Kompetensi BNSP Mitra Nusantara
Manajemen SDM - General
Manager
HC Strategy Partner Head, PT Bank KEB Hana 13-Oct-23 13-Oct-23 Integrity & Morality LEARNING Mangkuluhur City
Indonesia (2021-sekarang/present) Program RESOURCES
21-Nov-23 21-Nov-23 Operational Excellence for SHIFT Indonesia Hotel Westin
Business Sustainability &
Growth
19-Nov-23 19-Nov-23 Working Harmonization KEB Hana Mangkuluhur City
Activities - Hana Run 2023
Internal Audit Officer, Pt Bank Mega Tbk 7-Feb-23 7-Feb-23 Annual Membership ACFE Association of Mangkuluhur City
(2001-2012) Certified Fraud
Examiners
(ACFE)
Senior Internal Auditor, Pt Bank Icbc Indonesia (2012- 1-May-23 31-May-24 Certified Financial Crime Association Mangkuluhur City
2013) Specialist (CFCS) of Certified
Financial Crime
Specialists
Crime And Fraud Prevention Manager, Pt Bank Mega 15-Jun-23 15-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
(2013-2017) 2023 Apps
Investigator, Shared Investigate Services, Standard 22-Jun-23 22-Jun-23 Sharing Session: Subdit Mangkuluhur City
Chartered Bank (2017-2019) Pengenalan Bentuk FISMONDEV
Kejahatan Kriminalitas Polda Metro
Lingkup Perbankan Jaya & Staff Ahli
(Mantan Kepada
PPATK) - Bp. Dr.
Yunus Husein
Senior Investigator, Pt Xl Axiata Tbk (2020) 18-Sep-23 21-Sep-23 Data Analytic Training: Tommy Wahyudi Mangkuluhur City
Basic SQL Database
Programming
Regional Investigator, Citi Security And
Investigate Service, Citibank N.A (2020-2021)
Anti Fraud Specialist 1, PT Bank KEB Hana Indonsesia
(2021-sekarang/present)
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 503
Page 508
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
14 Aldo Krisvian Credit Risk Head 38 Indonesia Masters Degree, Universitas Indonesia (2012)
Heda Indonesian
15 Erwin Rahardja SME Credit Review Head 45 Indonesia Bachelor Degree,Finance Management, Stie IBII (1995)
Sutanta Indonesian
504 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 509
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
Erm Dept Head, Bank Sinarmas (2007-2014) 2-Feb-23 2-Feb-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
Phase II
Credit Risk Management Specialist, Bank Icbc 1-Mar-23 1-Mar-23 Lesson Learned Program KEB Hana Mangkuluhur City
Indonesia (2014-2020) terkait Kasus Hukum dan
Sanksi Regulator
Credit Risk Department Head, PT Bank KEB Hana 23-May-23 23-May-23 Interpersonal Skill Training Dody Triasmara Mangkuluhur City
Indonesia (2020-2021)
Credit Risk Head, PT Bank KEB Hana Indonesia ( 16-Jun-23 16-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
2021-sekarang/present ) 2023 Apps
22-Jun-23 22-Jun-23 Sharing Session: Subdit Mangkuluhur City
Pengenalan Bentuk FISMONDEV
Kejahatan Kriminalitas Polda Metro
Lingkup Perbankan Jaya & Staff Ahli
(Mantan Kepada
PPATK) - Bp. Dr.
Yunus Husein
7-Jul-23 7-Jul-23 Hana Leadership Journey KEB Hana Mangkuluhur City
Workshop
14-Jul-23 14-Jul-23 Talent Program 2023: KEB Hana Mangkuluhur City
Mentor Sharing Periode
Juli 2023
5-Aug-23 5-Aug-23 Treasury Middle Office and Sam R. Mangkuluhur City
Mark to Market Training Soelaeman
25-Aug-23 25-Aug-23 Refreshment Program Karsa Bakti Mangkuluhur City
Sertifikasi Manajemen Lestari
Risiko 2023
18-Sep-23 21-Sep-23 Data Analytic Training: Tommy Wahyudi Mangkuluhur City
Basic SQL Database
Programming
22-Sep-23 22-Sep-23 Talent Program 2022 Park Jong Jin & Head Office & Hotel
- Talent Engagement Dino Patti Djalal Westin - Jakarta
Program
Senior Credit Reviewer , PT Bank Permata Tbk (2015) 6-Feb-23 6-Feb-23 Training Enhancement KEB Hana Branch Office
New Credit Policy & System
(Cash) Skill
SME Credit Review Head, PT Bank KEB Hana 2-Feb-23 2-Feb-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
Indonesia ( 2022-sekarang/present ) Phase II
29-May-23 29-May-23 Destroy SILO Concept KEB Hana Mangkuluhur City
Training
19-Jun-23 19-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
2023 Apps
14-Jul-23 14-Jul-23 Training Enhancement KEB Hana Branch Office
New Credit Policy & System
(Cash) Skill
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 505
Page 510
V. Anggota Komite Direksi Pejabat Eksekutif Bank, Anggota Komite Direksi, Pejabat Eksekutif Bank
Board of Directors Committee Members Bank Executive Officers, Board of Directors Committee Members,
Bank Executive Officers
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
1 Rachmad Head of Legal 50 Indonesia Masters Degree(S2) N/A UNIVERSITY OF INDONESIA
Setiawan Indonesian (2002)
2 Ida Ayu Putu Branch Manager KC Bali 50 Indonesia Bachelor Degree, Teknik, Transportasi Universitas
Debiyani Indonesian Atmajaya, Yogyakarta (1991)
506 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 511
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
SENIOR LEGAL COUNSEL PT. BANK DANAMON 8-Jan-23 8-Jan-23 Basic APU PPT (E-Learning KEB Hana E-Learning Mobile
INDONESIA (2012-2016) Mobile Apps) Apps
Legal Risk Management Head PT Bank CIMB Niaga 8-Jan-23 8-Jan-23 Fraud Risk Awareness KEB Hana E-Learning Mobile
Tbk (2016-2022) (E-Learning Mobile Apps) Apps
Head of Legal PT. Bank KEB Hana Indonesia (2023 - 8-Jan-23 8-Jan-23 Refresher - Fraud KEB Hana E-Learning Mobile
sekarang/present) Risk Awareness 2022 Apps
(e-Learning )
27-Jan-23 27-Jan-23 Legal Aspect of LHBM Counsel Mangkuluhur City
Information Technology
and Digital Banking
2-Feb-23 2-Feb-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
Phase II
19-Feb-23 19-Feb-23 Hana Financial Group's KEB Hana E-Learning Mobile
Code of Ethics 'Code One' Apps
(Headquarter Compliance)
(E-Learning Mobile Apps )
4-Mar-23 4-Mar-23 Headquarter Compliance KEB Hana E-Learning Mobile
Training (March 2023) Apps
(E-Learning Mobile Apps)
15-Jun-23 15-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
2023 Apps
14-Jun-23 14-Jun-23 Whistleblowing Policy KEB Hana E-Learning Mobile
and System of Hana Bank Apps
(Headquarter Compliance
Training) (E-Learning
Mobile Apps)
22-Jun-23 22-Jun-23 Sharing Session: Subdit Mangkuluhur City
Pengenalan Bentuk FISMONDEV
Kejahatan Kriminalitas Polda Metro
Lingkup Perbankan Jaya & Staff Ahli
(Mantan Kepada
PPATK) - Bp. Dr.
Yunus Husein
7-Jul-23 7-Jul-23 Hana Leadership Journey KEB Hana Mangkuluhur City
Workshop
14-Jan-23 14-Jan-23 On Boarding Program KEB Hana Mangkuluhur City
(New Employee
Orientation Program)
17-Sep-23 17-Sep-23 Measures to Innovate Bank KEB Hana E-Learning Mobile
Internal Controls in Korea_ Apps
English
13-Oct-23 13-Oct-23 Integrity & Morality LEARNING Mangkuluhur City
Program RESOURCES
27-Oct-23 27-Oct-23 Headquarter Compliance KEB Hana E-Learning Mobile
Training (Regulation Apps
Technology Training)
Relationship Manager PT Bank Bali - Permata (1997- 15-Feb-23 15-Feb-23 Training Enhancement KEB Hana Branch Office
2009) New Credit Policy & System
(Cash) Skill
Branch Manager Commonwealth Bank (2009-2012) 15-Jan-23 12-Oct-23 Keanggotaan Asosiasi Lembaga Mangkuluhur City
Sertifikasi WPPE-P/ 2023 Sertifikasi
Profesi Pasar
Modal Indonesia
(LSPPMI)
Performance Mapping Manager Commonwealth 16-Feb-23 17-Feb-23 Business Workshop Lego Serious The Westin Hotel
Bank (2012-2013) 2023 for SME & Sales Play
Distribution
Deputy Branch Manager Commonwealth Bank 19-Jun-23 19-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
(2014-2016) 2023 Apps
Branch Manager HR-Trainee (2016-2019) 22-Jun-23 22-Jun-23 Sharing Session: Subdit Mangkuluhur City
Pengenalan Bentuk FISMONDEV
Kejahatan Kriminalitas Polda Metro
Lingkup Perbankan Jaya & Staff Ahli
(Mantan Kepada
PPATK) - Bp. Dr.
Yunus Husein
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 507
Page 512
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
3 Fajar Siddiq Branch Manager KC 42 Indonesia Bachelor Degree, Universitas Padjadjaran (2002)
Isnaeni Subang Indonesian
4 Benjamin Beny Branch Manager KC 51 Indonesia Bachelor Degree, Management STIE Kerja Sama,
Pramono Cirebon Indonesian Yogyakarta (1990)
508 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 513
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
Branch Manager KC Bali PT. Bank KEB Hana 7-Jul-23 7-Jul-23 APU PPT untuk Cabang KEB Hana Branch Office
Indonesia (2016 - sekarang/present)
8-Aug-23 8-Aug-23 Refresher - Fraud KEB Hana E-Learning Mobile
Risk Awareness 2023 Apps
(E-Learning Mobile Apps)
27-Jul-23 27-Jul-23 Business Overview & KEB Hana Mangkuluhur City
Strategy H2 2023
5-Sep-23 5-Sep-23 Refreshment APU PPT KEB Hana E-Learning Mobile
2023 Apps
6-Sep-23 6-Sep-23 Measures to Innovate Bank KEB Hana E-Learning Mobile
Internal Controls in Korea_ Apps
English
11-Sep-23 15-Sep-23 Refreshment Internal KEB Hana E-Learning Mobile
Certification WM Products Apps
26-Oct-23 26-Oct-23 SME & Branch Monthly KEB Hana Mangkuluhur City
Meeting (Branch Strategy
Meeting)
27-Oct-23 27-Oct-23 Headquarter Compliance KEB Hana E-Learning Mobile
Training (Regulation Apps
Technology Training)
10-Nov-23 10-Nov-23 Training Strengthening KEB Hana Mangkuluhur City
Capabilities In Credit Policy
Head Of Dop Area Jabar PT. Trans Acces Mobile 15-Feb-23 15-Feb-23 Training Enhancement KEB Hana Branch Office
(2005-2007) New Credit Policy & System
(Cash) Skill
Sales Executive PT. Bank International Indonesia 16-Feb-23 17-Feb-23 Business Workshop Lego Serious The Westin Hotel
(2007-2008) 2023 for SME & Sales Play
Distribution
Branch Manager PT. Bank Sinarmas (2008-2017) 16-Jun-23 16-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
2023 Apps
Branch Manager KC Subang PT. Bank KEB Hana 22-Jun-23 22-Jun-23 Sharing Session: Subdit Mangkuluhur City
Indonesia (2017 - sekarang/present) Pengenalan Bentuk FISMONDEV
Kejahatan Kriminalitas Polda Metro
Lingkup Perbankan Jaya & Staff Ahli
(Mantan Kepada
PPATK) - Bp. Dr.
Yunus Husein
3-Aug-23 3-Aug-23 Refresher - Fraud KEB Hana E-Learning Mobile
Risk Awareness 2023 Apps
(E-Learning Mobile Apps)
25-Aug-23 25-Aug-23 APU PPT untuk Cabang KEB Hana Branch Office
27-Jul-23 27-Jul-23 Business Overview & KEB Hana Mangkuluhur City
Strategy H2 2023
24-Aug-23 6-Sep-23 Refreshment Internal KEB Hana E-Learning Mobile
Certification WM Products Apps
26-Oct-23 26-Oct-23 SME & Branch Monthly KEB Hana Mangkuluhur City
Meeting (Branch Strategy (Business)
Meeting)
10-Nov-23 10-Nov-23 Training Strengthening KEB Hana Mangkuluhur City
Capabilities In Credit Policy
Assistant Store Manager Surya Swalayan (1996-1997) 3-Feb-23 3-Feb-23 Training Enhancement KEB Hana Branch Office
New Credit Policy & System
(Cash) Skill
Marketing Lending Small Medium Enterprise Bank 16-Feb-23 17-Feb-23 Business Workshop Lego Serious The Westin Hotel
Danamon Indonesia (1997-2008) 2023 for SME & Sales Play
Distribution
Mortgage Sales Manager PT. Bank UOB (2008-2009) 13-Mar-23 13-Mar-23 Headquarter Compliance KEB Hana E-Learning Mobile
Training (March 2023) Apps
(E-Learning Mobile Apps)
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 509
Page 514
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
5 Suwandi Branch Manager KC 43 Indonesia Masters Degree, Universitas Tarumanegara (2003)
Cilegon Permata Indonesian
6 Sumia Chief Human Capital and 47 Indonesia Masters Degree, Management Universitas Trisakti, Jakarta
Operation Officer Indonesian (2012)
510 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 515
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
Area Sales Manager PT. Bank UOB (2009-2011) 4-May-23 4-May-23 Findings from recent KEB Hana E-Learning Mobile
Ongoing Surveillance Apps
and Matters for Caution
(E-Learning Mobile Apps)
Pimpinan Cabang PT. Bank Artha Graha (2011-2017) 10-May-23 10-May-23 Leveraging COSO across KEB Hana E-Learning Mobile
the Three Lines of Defense Apps
(Headquarter Compliance
Training) (E-Learning
Mobile Apps)
SME Branch Manager KC Cirebon PT Bank KEB Hana 15-Jun-23 15-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
Indonesia (2017-2019) 2023 Apps
Branch Manager KC Cirebon PT Bank KEB Hana 15-Jun-23 15-Jun-23 Whistleblowing Policy KEB Hana Mangkuluhur City
Indonesia (2019 - sekarang/present) and System of Hana Bank
(Headquarter Compliance
Training) (E-Learning
Mobile Apps)
27-Jul-23 27-Jul-23 Business Overview & KEB Hana Mangkuluhur City
Strategy H2 2023
24-Aug-23 6-Sep-23 Refreshment Internal KEB Hana E-Learning Mobile
Certification WM Products Apps
1-Sep-23 1-Sep-23 APU PPT untuk Cabang KEB Hana Branch Office
5-Sep-23 5-Sep-23 Refreshment APU PPT KEB Hana E-Learning Mobile
2023 Apps
21-Sep-23 21-Sep-23 Measures to Innovate Bank KEB Hana E-Learning Mobile
Internal Controls in Korea_ Apps
English
26-Oct-23 26-Oct-23 SME & Branch Monthly KEB Hana Mangkuluhur City
Meeting (Branch Strategy (Business)
Meeting)
27-Oct-23 27-Oct-23 Headquarter Compliance KEB Hana E-Learning Mobile
Training (Regulation Apps
Technology Training)
10-Nov-23 10-Nov-23 Training Strengthening KEB Hana Mangkuluhur City
Capabilities In Credit Policy
Account Officer PT. Bank Ekonomi (2004-2008) - - - - -
Branch Manager Bank Danamon Indonesia (2008- - - - - -
2018)
Branch Manager Kcp Thamrin Residence 1104 PT. - - - - -
Bank KEB Hana Indonesia (2018-2019)
Branch Manager Kcp Tanah Abang Bukit 1104 PT. - - - - -
Bank KEB Hana Indonesia (2018-2018)
Branch Manager Kc Cilegon Permata (Pjs) PT. Bank - - - - -
KEB Hana Indonesia (2019-2020)
Consumer Business Manager Gading Serpong PT. - - - - -
Bank KEB Hana Indonesia (2019-2020)
Branch Manager KC Cilegon Permata PT. Bank KEB - - - - -
Hana Indonesia (2020 - sekarang/present)
Marketing Staff PT. Bank Modern Tbk (1996-1997) 27-Jan-23 31-Jan-23 2023 Global Workshop & KEB Hana Cheongna IT Hana
Global Employee Bank Incheon
Settlement PT. Bank Panin Tbk (1997-2002) 1-Mar-23 1-Mar-23 Lesson Learned Program KEB Hana Mangkuluhur City
terkait Kasus Hukum dan
Sanksi Regulator
Treasury Settlement PT. Bank UOB Indonesia (2002- 17-Mar-23 17-Mar-23 Training IT Knowledge For Yuliardi Sutedja Mangkuluhur City
2008) BOD - Cyber Security K.
Settlement Division Head PT. Bank KEB Hana 27-Apr-23 27-Apr-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
Indonesia (2008-2014) Phase II
Operation Division Head PT. Bank KEB Hana 24-May-23 24-May-23 Leader’s discussions on LinkedIn Beechwood Room,
Indonesia (2014-2017) Indonesia evolution & HR St Regis Hotel
matters in the light of the
current Macroeconomics
Banking Service Management Division Head PT. 19-Jun-23 19-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
Bank KEB Hana Indonesia (2017-2018) 2023 Apps
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 511
Page 516
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
7 Hendri Chief Business Officer 48 Indonesia Bachelor Degree, Universitas Pasundan(1992)
Setiawan Indonesian
8 Novalita Chief Risk Officer 49 Indonesia Bachelor Degree, Accounting,California State University
Imanuddin Indonesian (1992)
9 Kwa See Hong Branch Manager KC 38 Indonesia Bachelor Degree, EKONOMI, UNIKA WIDYA MANDALA
Surabaya Manyar Indonesian (2003)
512 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 517
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
Human Resources Division Head PT. Bank KEB Hana 3-Nov-23 4-Nov-23 Whistleblowing Policy KEB Hana Mangkuluhur City
Indonesia (2018-2019) and System of Hana Bank
(Headquarter Compliance
Training) (E-Learning
Mobile Apps)
Head Of Human Capital And Operation PT. Bank KEB 21-Nov-23 21-Nov-23 Operational Excellence for SHIFT Indonesia Hotel Westin
Hana Indonesia (2019-2020) Business Sustainability &
Growth
Chief Human Capital and Operation Officer, PT. Bank
KEB Hana Indonesia ( 2020 - sekarang/present )
Sales Channel Region PT. UOB Buana Tbk (1992- 16-Feb-23 17-Feb-23 Business Workshop Lego Serious The Westin Hotel
2008) 2023 for SME & Sales Play
Distribution
Marketing Manajer PT. Asia Afrika Poultry (2008- 1-Mar-23 1-Mar-23 Lesson Learned Program KEB Hana Mangkuluhur City
2008) terkait Kasus Hukum dan
Sanksi Regulator
Branch Manager KCP Bogor Surya Kencana PT. Bank 19-Jun-23 19-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
KEB Hana Indonesia (2008-2013) 2023 Apps
Regional 2 Head PT. Bank KEB Hana Indonesia (2014) 27-Jul-23 27-Jul-23 Business Overview & KEB Hana Mangkuluhur City
Strategy H2 2023
Consumer Business Division Head PT. Bank KEB 26-Oct-23 26-Oct-23 SME & Branch Monthly KEB Hana Mangkuluhur City
Hana Indonesia (2015) Meeting (Branch Strategy (Business)
Meeting)
Network And Distribution Division Head PT. Bank 27-Oct-23 27-Oct-23 Business 2024 Target Plan Keb Hana Hotel
KEB Hana Indonesia (2015-2019)
Business Distribution Division Head (Outregion) PT. 3-Nov-23 4-Nov-23 Whistleblowing Policy KEB Hana Mangkuluhur City
Bank KEB Hana Indonesia (2019-2020) and System of Hana Bank
(Headquarter Compliance
Training) (E-Learning
Mobile Apps)
Chief Business Officer, PT. Bank KEB Hana Indonesia
(2020 - sekarang/present)
Financial & Cost Mgt Consultant Price Waterhouse 17-Mar-23 17-Mar-23 Training IT Knowledge For Yuliardi Sutedja Mangkuluhur City
Indonesia Konsultan (1994-1997) BOD - Cyber Security K.
AVP Quality Assurance Citibank Indonesia (1997- 23-May-23 26-May-23 Keuangan Berkelanjutan OJK Movenpick Resort &
2005) Batch 1 Tahun 2023 Spa Jimbaran
Chief Audit Executive Commonwealth Bank (2005- 14-Jul-23 14-Jul-23 Talent Program 2023: KEB Hana Mangkuluhur City
2011) Mentor Sharing Periode
Juli 2023
SVP Compliance & Indonesia Mlro PT. Bank Anz 5-Aug-23 5-Aug-23 Treasury Middle Office and Sam R. Mangkuluhur City
Indonesia (2011-2014) Mark to Market Training Soelaeman
Chief Audit Executive PT. Bank Maybank Indonesia 23-Aug-23 23-Aug-23 Refreshment Program Efektif Pro Mangkuluhur City
(2014-2019) Sertifikasi Manajemen
Risiko 2023
Group Head Audit & Risk Management PT. Xl Axiata 3-Nov-23 4-Nov-23 Whistleblowing Policy KEB Hana Mangkuluhur City
(2019-2020) and System of Hana Bank
(Headquarter Compliance
Training) (E-Learning
Mobile Apps)
Chief Risk Officer, PT. Bank KEB Hana Indonesia 19-Nov-23 19-Nov-23 Working Harmonization KEB Hana Mangkuluhur City
(2020 - sekarang/present) Activities - Hana Run 2023
8-Dec-23 8-Dec-23 Renewal Membership and IIA Indonesia Online
Reinstatement (CRMA and (Institute of
CCSA) Internal Auditors
Indonesia)
20-Dec-23 20-Dec-23 Zero Defect Sharing KEB Hana Hybrid
Session (Talents)
Account Officer SME BII Maybank (2007-2013) 15-Feb-23 15-Feb-23 Training Enhancement KEB Hana Branch Office
New Credit Policy & System
(Cash) Skill
EMB Manager OCBC NISP (2014-2019) 16-Feb-23 17-Feb-23 Business Workshop Lego Serious The Westin Hotel
2023 for SME & Sales Play
Distribution
Business Director PT. Corpus Prima Ventura (2020- 3-Mar-23 3-Mar-23 Headquarter Compliance KEB Hana E-Learning Mobile
2021) Training (March 2023) Apps
(E-Learning Mobile Apps)
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 513
Page 518
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
10 Perina Branch Manager KC 35 Indonesia Bachelor Degree, Akuntansi, UNIVERSITAS KRISTEN
Hermanto Mangkuluhur Indonesian PETRA (2005)
11 Juneydi Anderie Branch Manager KC 49 Indonesia Bachelor Degree, Teknik Sipil, UNIVERSITAS
Alfrits Manado Indonesian SAMRATULANGI (1980)
514 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 519
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
Branch Manager KC Surabaya Manyar PT. Bank KEB 13-May-23 20-May-23 Global Training 2023 KEB Hana Training Center in
Hana Bank Indonesia (2021-sekarang/present) Program Cheongna - Head
Office Hana Bank
South Korea
29-May-23 29-May-23 Findings from recent KEB Hana E-Learning Mobile
Ongoing Surveillance Apps
and Matters for Caution
(E-Learning Mobile Apps)
20-Jun-23 20-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
2023 Apps
14-Jun-23 14-Jun-23 Whistleblowing Policy KEB Hana Mangkuluhur City
and System of Hana Bank
(Headquarter Compliance
Training) (E-Learning
Mobile Apps)
27-Jul-23 27-Jul-23 Business Overview & keb Hana Mangkuluhur City
Strategy H2 2023
24-Aug-23 6-Sep-23 Refreshment Internal KEB Hana E-Learning Mobile
Certification WM Products Apps
6-Sep-23 6-Sep-23 Measures to Innovate Bank KEB Hana E-Learning Mobile
Internal Controls in Korea_ Apps
English
27-Oct-23 27-Oct-23 Business 2024 Target Plan KEB Hana Hotel
27-Oct-23 27-Oct-23 Headquarter Compliance KEB Hana E-Learning Mobile
Training (Regulation Apps
Technology Training)
1-Nov-23 30-Nov-23 Self Leadership to Develop Remaja E-Learning Mobile
Personal Capability Tampubolon Apps
10-Nov-23 10-Nov-23 Training Strengthening KEB Hana Mangkuluhur City
Capabilities In Credit Policy
Relationship Manager PT BANK CTBC INDONESIA 15-Feb-23 15-Feb-23 Training Enhancement KEB Hana Branch Office
(2011-2016) New Credit Policy & System
(Cash) Skill
SME Team Leader PT Bank KEB Hana Indonesia 2-Feb-23 2-Feb-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
(2016-2017) Phase II
SME Branch Manager PT Bank KEB Hana Indonesia 16-Feb-23 17-Feb-23 Business Workshop Lego Serious The Westin Hotel
(2017-2019) 2023 for SME & Sales Play
Distribution
Branch Manager KC Mangkuluhur PT Bank KEB 10-Apr-23 10-Apr-23 Sex, Gender Discrimination KEB Hana E-Learning Mobile
Hana Indonesia (2019-sekarang/present) and Sexual Harassment Apps
(Headquarter Compliance)
(E-Learning Mobile Apps )
13-Jul-23 13-Jul-23 APU PPT untuk Cabang KEB Hana Branch Office
25-Aug-23 25-Aug-23 SME & Sales Distribution KEB Hana Mangkuluhur City
Strategy Workshop
27-Jul-23 27-Jul-23 Business Overview & KEB Hana Mangkuluhur City
Strategy H2 2023
11-Sep-23 15-Sep-23 Refreshment Internal KEB Hana E-Learning Mobile
Certification WM Products Apps
26-Oct-23 26-Oct-23 SME & Branch Monthly KEB Hana Mangkuluhur City
Meeting (Branch Strategy (Business)
Meeting)
27-Oct-23 27-Oct-23 Business 2024 Target Plan KEB Hana Hotel
17-Nov-23 17-Nov-23 Training Strengthening KEB Hana Mangkuluhur City
Capabilities In Credit Policy
Direct Sales PT. Luxindo Indonesia (1995-1996) 16-Feb-23 17-Feb-23 Business Workshop Lego Serious The Westin Hotel
2023 for SME & Sales Play
Distribution
Back Office Staff Bank Hastin International Bank 13-Apr-23 13-Apr-23 Findings from recent KEB Hana E-Learning Mobile
(1996-1998) Ongoing Surveillance Apps
and Matters for Caution
(E-Learning Mobile Apps)
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 515
Page 520
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
12 Teja Kurnia Branch Manager KC 46 Indonesia Bachelor Degree, Akuntansi, STIE BANDUNG (1994)
Bandung Dago Indonesian
13 Rafael Head of CSS and Policy 49 Indonesia Masters Degree, Management, UNIKA ATMAJAYA (2003)
Management Indonesian
516 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 521
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
Cash Flow Advisory & Trade Finance Ops Staff ABN 11-May-23 11-May-23 Leveraging COSO across KEB Hana E-Learning Mobile
AMRO Bank (1998-2008) the Three Lines of Defense Apps
(Headquarter Compliance
Training) (E-Learning
Mobile Apps)
Branch Operation Officer Royal Bank Of Scotland 16-Jun-23 16-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
(2008-2010) 2023 Apps
Investment & Insurance Specialist Bank ANZ (2010- 19-Jun-23 19-Jun-23 Whistleblowing Policy KEB Hana Mangkuluhur City
2016) and System of Hana Bank
(Headquarter Compliance
Training) (E-Learning
Mobile Apps)
Operation Head KC Manado PT. Bank KEB Hana 3-Aug-23 3-Aug-23 Refresher - Fraud KEB Hana E-Learning Mobile
Indonesia (2016) Risk Awareness 2023 Apps
(E-Learning Mobile Apps)
Branch Service Manager KC Makassar PT. Bank KEB 25-Aug-23 25-Aug-23 SME & Sales Distribution KEB Hana Mangkuluhur City
Hana Indonesia (2019-2019) Strategy Workshop
Branch Service Manager KC Manado PT. Bank KEB 24-Aug-23 6-Sep-23 Refreshment Internal KEB Hana E-Learning Mobile
Hana Indonesia (2016-2020) Certification WM Products Apps
Branch Manager KC Manado PT. Bank KEB Hana 6-Sep-23 6-Sep-23 Measures to Innovate Bank KEB Hana E-Learning Mobile
Indonesia (2021-sekarang/present) Internal Controls in Korea_ Apps
English
6-Sep-23 6-Sep-23 Refreshment APU PPT KEB Hana E-Learning Mobile
2023 Apps
Direct Sales ABN AMRO Bank (1999-2002) 15-Feb-23 15-Feb-23 Training Enhancement KEB Hana Branch Office
New Credit Policy & System
(Cash) Skill
Sales Manager Standard Chartered (2002-2005) 16-Feb-23 17-Feb-23 Business Workshop Lego Serious The Westin Hotel
2023 for SME & Sales Play
Distribution
Sub Branch Manager Bank Mega (2005-2007) 16-Jun-23 16-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
2023 Apps
Senior Branch Manager CIMB Niaga (2007-2019) 4-Aug-23 4-Aug-23 APU PPT untuk Cabang KEB Hana Branch Office
Branch Manager QNB (2020-2021) 27-Jul-23 27-Jul-23 Business Overview & KEB Hana Mangkuluhur City
Strategy H2 2023
Branch Manager KC Bandung Dago PT. Bank KEB 24-Aug-23 6-Sep-23 Refreshment Internal KEB Hana E-Learning Mobile
Hana Indonesia (2021-sekarang/present) Certification WM Products Apps
5-Sep-23 5-Sep-23 Refreshment APU PPT KEB Hana E-Learning Mobile
2023 Apps
10-Nov-23 10-Nov-23 Training Strengthening KEB Hana Mangkuluhur City
Capabilities In Credit Policy
17-Nov-23 17-Nov-23 Zero Defect Culture KEB Hana KEB Hana (Kantor
& Operational Risk Cabang)
Awareness Training for
Branches
Financial and control Business Planning, PT Bank 2-Feb-23 2-Feb-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
Danamon Indonesia (1996-2003) Phase II
Risk Analytics ABN AMRO Bank (2004-2008) 16-Jun-23 16-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
2023 Apps
Retail Risk Analytics And Policy OCBC NISP (2008- 7-Jul-23 7-Jul-23 Hana Leadership Journey KEB Hana Mangkuluhur City
2020) Workshop
Head of CSS and Policy Management PT. Bank KEB 22-Sep-23 22-Sep-23 Talent Program 2022 Park Jong Jin & Head Office & Hotel
Hana Indonesia (2020-sekarang/present) - Talent Engagement Dino Patti Djalal Westin - Jakarta
Program
12-Oct-23 12-Oct-23 Consumer Banking 2024 KEB Hana Pullman Hotel,
Business Target Plan Jakarta
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 517
Page 522
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
14 Tanuwijaya Head of Funding Product 43 Indonesia Bachelor Degree, -, PARAHYANGAN CATHOLIC
Diana and Digital Marketing Indonesian UNIVERSITY (1995)
15 Sondang M T Head of Special Asset 51 Indonesia Bachelor Degree, Kehutanan, Institur Pertanian Bogor
Siregar Management and Indonesian (1989)
Appraisal
16 Emmanuela Head of Loan Product 40 Indonesia Bachelor Degree, Teknik Sipil, INSTITUT TEKNOLOGI
Chrisanti A Indonesian BANDUNG (2000)
518 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 523
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
The Bancasurrance &Overdraft Product Manager PT. 12-Oct-23 12-Oct-23 Consumer Banking 2024 KEB Hana Pullman Hotel,
Bank Niaga Tbk (2003-2007) Business Target Plan Jakarta
Onshore Investment Priduct Manager PT. BII Tbk 20-Dec-23 20-Dec-23 Fraud Risk Awareness KEB Hana E-Learning Mobile
(2007-2009) (E-Learning Mobile Apps) Apps
Product Manager Standard Chartered Bank (2009-
2011)
Debit Card Product Development Head PT. CIMB
Niaga (2011-2012)
Segment Acquisition & Portofolio Head Citibank NA
(2013-2018)
Funding Business Head PT. Maybank Indonesia
(2018-2019)
Deposit Product Head PT. Bank KEB Hana Indonesia
(2019-2020)
Head of Funding Product and Digital Marketing PT
Bank KEB Hana Indonesia (2020-sekarang/present)
SME Team Leader Lippo Bank (1996 - 2008) 2-Feb-23 2-Feb-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
Phase II
Kepala Cabang Mangga Dua Branch PT. Bank 25-Mar-23 12-Aug-23 Sertifikasi Pelatihan Ikatan Akuntan Mangkuluhur City
Danamon Indonesia (2008 - 2009) Pajak Terapan Brevet A&B Indonesia (IAI)
Terpadu IAI
Area Branch Manager PT. Bank Internasional 13-May-23 20-May-23 Global Training 2023 KEB Hana Training Center in
Indonesia (2009 - 2013) Program Cheongna - Head
Office Hana Bank
South Korea
Regional Commercial Head SVP PT. Bank Maybank 15-Jun-23 15-Jun-23 Sosialisasi Refreshment KEB Hana Mangkuluhur City
Indonesia (2013 - 2020) Ketentuan Pelaporan
Antasena
Head of Special Asset Management and Appraisal, 16-Jun-23 17-Jun-23 Cessie, Ayda, Subrogasi PT MAHAKA Mangkuluhur City
PT. Bank KEB Hana Indonesia (2020 - sekarang/ Dan Novasi GEMILANG
present) INDONESIA
20-Jun-23 20-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
2023 Apps
29-Sep-23 29-Sep-23 Implementasi Kepailitan Mahaka Institute Mangkuluhur City
& PKPU
22-Sep-23 22-Sep-23 Talent Program 2022 Park Jong Jin & Head Office & Hotel
- Talent Engagement Dino Patti Djalal Westin - Jakarta
Program
Marketing Research The Nielsen Company Indonesia 19-Jan-23 19-Jan-23 Talent Program 2023 Coaching Mangkuluhur City
(2005-2010) - Training Program for Indonesia
Senior Talent: Coaching
Skills
IT and Operation Standard Chartered (2010-2018) 24-Jan-23 24-Jan-23 Talent Program 2023 - Helmy Yahya Mangkuluhur City
Coaching Program: Talent
Sharing Session
Unsecured Loan Product Department Head PT. Bank 23-Feb-23 23-Feb-23 Talent Program 2023 - KEB Hana Mangkuluhur City
KEB Hana Indonesia (2018-2019) Coaching Program: BOD
Talk 2023
Loan Product PT. Bank KEB Hana Indonesia (2019- 24-Feb-23 24-Feb-23 Talent Program 2023 PT. NalarPrima Mangkuluhur City
2021) - Training Program for Lentera
Senior Talent: Negotiation Indonesia
Skills
Head of Loan Product PT. Bank KEB Hana Indonesia 2-Feb-23 2-Feb-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
(2021-sekarang/present) Phase II
29-May-23 21-Jun-23 Lean Six Sigma Green Belt PT SSCX Mangkuluhur City
Certification International
17-May-23 17-May-23 Strengthening Leadership PT Bintang Mangkuluhur City
Capabilities for Consumer Talenta Utama
Banking Leaders (Bitama)
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 519
Page 524
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
17 Susanty Area Manager KC Medan 45 Indonesia Bachelor Degree, Akuntansi, STIE HARAPAN (1996)
Sudirman Indonesian
520 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 525
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
15-Jun-23 15-Jun-23 Sosialisasi Refreshment KEB Hana Mangkuluhur City
Ketentuan Pelaporan
Antasena
20-Jun-23 20-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
2023 Apps
7-Jul-23 7-Jul-23 Hana Leadership Journey KEB Hana Mangkuluhur City
Workshop
2-Oct-23 2-Oct-23 Talent Program 2022 Park Jong Jin & Head Office & Hotel
- Talent Engagement Dino Patti Djalal Westin - Jakarta
Program
12-Oct-23 12-Oct-23 Consumer Banking 2024 KEB Hana Pullman Hotel,
Business Target Plan Jakarta
12-Dec-23 12-Dec-23 Refresher - Fraud KEB Hana E-Learning Mobile
Risk Awareness 2023 Apps
(E-Learning Mobile Apps)
Personal Banking Bank Danamon Indonesia (2000- 15-Feb-23 15-Feb-23 Training Enhancement KEB Hana Branch Office
2005) New Credit Policy & System
(Cash) Skill
Unit Head Priority And Commercial Banking 15-Jan-23 12-Oct-23 Keanggotaan Asosiasi Lembaga Mangkuluhur City
Standard Chartered Bank (2005-2014) Sertifikasi WPPE-P/ 2023 Sertifikasi
Profesi Pasar
Modal Indonesia
(LSPPMI)
HR Trainee staff, PT Bank KEB Hana Indonesia (2014- 16-Feb-23 17-Feb-23 Business Workshop Lego Serious The Westin Hotel
2015) 2023 for SME & Sales Play
Distribution
Branch Manager KC Medan Mt Haryono PT. Bank 15-Jun-23 15-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
KEB Hana Indonesia (2015-2016) 2023 Apps
Area Head Consumer Business Sumatra PT. Bank 24-Aug-23 6-Sep-23 Refreshment Internal KEB Hana E-Learning Mobile
KEB Hana Indonesia (2016-2017) Certification WM Products Apps
Consumer West Area Manager PT. Bank KEB 1-Oct-23 1-Oct-23 Headquarter Compliance KEB Hana E-Learning Mobile
Indonesia (2017-2019) Training (Regulation Apps
Technology Training)
Area Manager KC Medan PT. Bank KEB Hana 27-Oct-23 27-Oct-23 Business 2024 Target Plan Keb Hana Hotel
Indonesia (2019-sekarang/present)
27-Oct-23 27-Oct-23 Headquarter Compliance KEB Hana E-Learning Mobile
Training (Regulation Apps
Technology Training)
1-Oct-23 1-Oct-23 Headquarter Compliance KEB Hana E-Learning Mobile
Training (Cooperation at Apps
Multicultural Workplace)
1-Oct-23 1-Oct-23 Headquarter Compliance KEB Hana E-Learning Mobile
Training (Findings Apps
from recent Ongoing
Surveillance and Matters
for Caution)
1-Oct-23 1-Oct-23 Headquarter Compliance KEB Hana E-Learning Mobile
Training (Regulation Apps
Technology Training)
1-Oct-23 1-Oct-23 Sex, Gender Discrimination KEB Hana E-Learning Mobile
and Sexual Harassment Apps
(Headquarter Compliance)
(E-Learning Mobile Apps )
1-Oct-23 1-Oct-23 Tipping off in Financial KEB Hana E-Learning Mobile
Institutions (Headquarter Apps
Compliance Training)
(E-Learning Mobile Apps)
24-Oct-23 24-Oct-23 Headquarter Compliance KEB Hana E-Learning Mobile
Training (Regulation Apps
Technology Training)
10-Nov-23 10-Nov-23 Training Strengthening KEB Hana Mangkuluhur City
Capabilities In Credit Policy
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 521
Page 526
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
18 Christian Head of Contact Center 40 Indonesia Masters Degree, BUSINESS INFORMATION SYSTEM,
Tjitrahardja and Collection Indonesian MELBOURNE INSTITUTE OF BUSINESS AND
TECHNOLOGY (2004)
19 Adi Haryadi Head of E-Channel 52 Indonesia Masters Degree, Hubungan Internasional, UNIKA
Management Indonesian ATMAJAYA (2000)
522 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 527
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
Collection Front End PT. Bank HSBC Indonesia (2006- 19-Jan-23 19-Jan-23 Talent Program 2023 Coaching Mangkuluhur City
2011) - Training Program for Indonesia
Senior Talent: Coaching
Skills
Collection Strategy Standard Chartered Bank 21-Feb-23 21-Feb-23 Talent Program 2023 - KEB Hana Mangkuluhur City
Indonesia (2011-2013) Coaching Program: BOD
Talk 2023
Head Of MIS and Project Credit Management PT 24-Feb-23 24-Feb-23 Talent Program 2023 PT. NalarPrima Mangkuluhur City
Bank UOB Indonesia (2013-2014) - Training Program for Lentera
Senior Talent: Negotiation Indonesia
Skills
Collection Strategy Permata Bank (2015-2015) 2-Feb-23 2-Feb-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
Phase II
Collection Telecalling, Strategy Lead PT. Bank HSBC 14-Apr-23 14-Apr-23 Talent Program 2023 - Dharma Mangkuluhur City
Indonesia (2015-2019) Coaching Program: Talent Simorangkir
Sharing Session periode
April
Call Center & Collection Head PT. Bank KEB Hana 27-Apr-23 27-Apr-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
Indonesia (2019-2021) Phase II
Head of Contact Center, PT Bank KEB Hana 1-May-23 31-May-24 Environmental, Social CFI (Corporate Mangkuluhur City
Indonesia (2021-sekarang/present) & Governance (ESG) Finance
Specialization Institute)
17-May-23 17-May-23 Strengthening Leadership PT Bintang Mangkuluhur City
Capabilities for Consumer Talenta Utama
Banking Leaders (Bitama)
15-Jun-23 15-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
2023 Apps
7-Jun-23 7-Jun-23 Talent Program 2023: KEB Hana Mangkuluhur City
Mentor Sharing Periode
Maret - Juni 2023
22-Jun-23 22-Jun-23 Sharing Session: Subdit Mangkuluhur City
Pengenalan Bentuk FISMONDEV
Kejahatan Kriminalitas Polda Metro
Lingkup Perbankan Jaya & Staff Ahli
(Mantan Kepada
PPATK) - Bp. Dr.
Yunus Husein
7-Jul-23 7-Jul-23 Hana Leadership Journey KEB Hana Mangkuluhur City
Workshop
22-Sep-23 22-Sep-23 Talent Program 2022 Park Jong Jin & Head Office & Hotel
- Talent Engagement Dino Patti Djalal Westin - Jakarta
Program
12-Oct-23 12-Oct-23 Consumer Banking 2024 KEB Hana Pullman Hotel,
Business Target Plan Jakarta
Marketing And Purchasing Staff PT. Purna Bina Nusa 27-Jan-23 27-Jan-23 Legal Aspect of LHBM Counsel Mangkuluhur City
(1994-1995) Information Technology
and Digital Banking
Team Leader Merchant Alliance PT. Bank Bali (1995- 2-Feb-23 2-Feb-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
2001) Phase II
Merchant Account Dev Manager PT. American 2-Mar-23 2-Mar-23 Sistem Manajemen Robere & Mangkuluhur City
Express Ltd (2001-2001) Keamanan Informasi Associates
(Awareness ISO/IEC 27001-
2013)
Merchant And Bank Acquisition Mgr PT. Kartuku 19-Apr-23 20-Apr-23 CITI Digital Bank Citibank Raffles Hotel
(2001-2002) Conference 2023
Senior Manager PT Bank Danamon Indonesia (2002- 17-May-23 17-May-23 Strengthening Leadership PT Bintang Mangkuluhur City
2005) Capabilities for Consumer Talenta Utama
Banking Leaders (Bitama)
Asset Product And Marcom Head PT. Bank 16-Jun-23 16-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
Bumiputera (2005-2006) 2023 Apps
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 523
Page 528
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
20 Jimmy Wijaya Head of Corporate Banking 34 Indonesia Bachelor Degree, Computerized Accounting,
Indonesian UNIVERSITAS BINA NUSANTARA (2006)
524 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 529
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
Group Head Ops PT. Bahana Sysfo Utama (2006- 22-Jun-23 22-Jun-23 Sharing Session: Subdit Mangkuluhur City
2007) Pengenalan Bentuk FISMONDEV
Kejahatan Kriminalitas Polda Metro
Lingkup Perbankan Jaya & Staff Ahli
(Mantan Kepada
PPATK) - Bp. Dr.
Yunus Husein
Head of E Channel Business PT Bank Permata (2007- 7-Jul-23 7-Jul-23 Hana Leadership Journey KEB Hana Mangkuluhur City
2010) Workshop
VP E Banking Div Head PT Bank Negara Indonesia 11-Jul-23 12-Jul-23 Agile Innovation Project CIAS - Corporate Mangkuluhur City
(2010-2011) Innovation
Consulting
E Business Management Analytics Div Head PT. Bank 9-Aug-23 11-Aug-23 Certified IT Procurement Sharing Vision The Papandayan
Muamalat (2011-2015) Expert (CITPE) Hotel
Business Leader Vp PT. Mastercard Indonesia (2015- 22-Sep-23 22-Sep-23 Talent Program 2022 Park Jong Jin & Head Office & Hotel
2016) - Talent Engagement Dino Patti Djalal Westin - Jakarta
Program
E Channel Div Head PT. Bank Mayora (2016-2017) 12-Oct-23 12-Oct-23 Consumer Banking 2024 KEB Hana Pullman Hotel,
Business Target Plan Jakarta
E Channel Div Head SVP PT. Bank Ganesha (2017- 22-Dec-23 22-Dec-23 Refreshment Program PT Orbit Mitra E-Learning Mobile
2018) Sertifikasi Manajemen Edukasi Apps
Risiko 2023
IT Payment Development Div Head SVP PT. Bank
Mega (2018-2021)
Head of Payment Product PT. Bank KEB Hana
Indonesia (2021)
Head of E-Channel Management PT. Bank KEB Hana
Indonesia (2021-sekarang/present)
Account Officer PT. Bank Panin Tbk (2010-2010) 19-Jan-23 19-Jan-23 Talent Program 2023 Coaching Mangkuluhur City
- Training Program for Indonesia
Senior Talent: Coaching
Skills
Relationship Manager Bank ICBC Indonesia (2011- 24-Jan-23 24-Jan-23 Talent Program 2023 - Helmy Yahya Mangkuluhur City
2012) Coaching Program: Talent
Sharing Session
Business Relationship Manager PT. BII Tbk (2013- 17-Jan-23 17-Jan-23 Talent Program 2023 - KEB Hana Mangkuluhur City
2013) Coaching Program: BOD
Talk 2023
Relationship Manager Corporate Banking 1 PT. Bank 6-Feb-23 6-Feb-23 Training Enhancement KEB Hana Branch Office
KEB Hana Indonesia (2013-2015) New Credit Policy & System
(Cash) Skill
Corporate Banking Team Leader PT. Bank KEB Hana 24-Feb-23 24-Feb-23 Talent Program 2023 PT. NalarPrima Mangkuluhur City
Indonesia (2015-2020) - Training Program for Lentera
Senior Talent: Negotiation Indonesia
Skills
Corporate Banking Department Head PT. Bank KEB 2-Feb-23 2-Feb-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
Hana Indonesia (2020-2021) Phase II
Head of Corporate Banking, PT. Bank KEB Hana 13-May-23 20-May-23 Global Training 2023 KEB Hana Training Center in
Indonesia (2021-sekarang/present) Program Cheongna - Head
Office Hana Bank
South Korea
20-Jun-23 20-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
2023 Apps
10-Aug-23 10-Aug-23 Environment, Social, & Lembaga Mangkuluhur City
Good Governance Training Pengembangan
Perbankan
Indonesia (LPPI)
27-Jul-23 27-Jul-23 Business Overview & keb Hana Mangkuluhur City
Strategy H2 2023
22-Sep-23 22-Sep-23 Talent Program 2022 Park Jong Jin & Head Office & Hotel
- Talent Engagement Dino Patti Djalal Westin - Jakarta
Program
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 525
Page 530
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
21 Eun Sung Lee Head of Private Banking 44 Indonesia Bachelor Degree, Korean Language and Literature, Mass
Indonesian Communication, Sogang University (1998)
22 Cahyari Indra Head of Business 39 Indonesia Bachelor Degree, Ilmu Komputer,Universitas Bina
Performance and Analytic Indonesian Nusantara (2001)
526 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 531
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
Senior Clerk Personal/Corporate Banking Banpodong 9-Mar-23 31-Aug-23 Indonesian Language SIB School of Mangkuluhur City
Branch KEB Hana Bank Korea (2006-2008) Course for Expatriates Language
Senior Clerk HR Development KEB Hana Bank Korea 1-Apr-23 1-Apr-23 Expatriate Workshop Q1 KEB Hana Rainbow Hills
(2008-2011) 2023
Senior Clerk Korea Banking Institute KEB Hana Bank 16-Jun-23 16-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
Korea (2011) 2023 Apps
Senior Clerk Personal/Corporate Banking Yatap 8-Jul-23 8-Jul-23 Expatriate Workshop Q3 KEB Hana Cengkareng
Station Branch KEB Hana Bank Korea (2011-2012) 2023
Manager/Senior Clerk Personal/Corporate Banking
Yongin Branch KEB Hana Bank Korea (2012-2014)
Senior Manager/Manager Trade Finance Center
HongKong Branch KEB Hana Bank (2014-2018)
Senior Manager FI Marketing Hana Bank Korea (2018-
2021)
Global Business Senior Manager Hana Bank Korea
(2021-2021)
Head of Private Banking PT. Bank KEB Hana
Indonesia (2021-sekarang/present)
Itdp Lippo Bank (2005-2006) 17-Jan-23 17-Jan-23 Talent Program 2023 - KEB Hana Mangkuluhur City
Coaching Program: BOD
Talk 2023
Colection Application Developer Lippo Bank (2006- 24-Jan-23 24-Jan-23 Talent Program 2023 - Helmy Yahya Mangkuluhur City
2007) Coaching Program: Talent
Sharing Session
Banking Application Developer Lippo Bank (2006- 24-Feb-23 24-Feb-23 Talent Program 2023 PT. NalarPrima Mangkuluhur City
2006) - Training Program for Lentera
Senior Talent: Negotiation Indonesia
Skills
Consumer Risk Portfolio Manager Officer CIMB 2-Feb-23 2-Feb-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
Niaga (2007-2009) Phase II
MIS Manager Bank Internasional Indonesia (2009- 13-Feb-23 13-Feb-23 Basic APU PPT (E-Learning KEB Hana E-Learning Mobile
2011) Mobile Apps) Apps
MIS Analytic Senior Manager Maybank (2011-2012) 16-Feb-23 17-Feb-23 Business Workshop Lego Serious The Westin Hotel
2023 for SME & Sales Play
Distribution
Retail Model Development Head Maybank (2012- 15-Jun-23 15-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
2013) 2023 Apps
Retail Banking Analytic Head Bank ANZ (2013-2018) 24-Jul-23 30-Jul-23 Data Science A-Z™: Hands- Udemy e-Learning
On Exercises & ChatGPT
Bonus 2023
Head of Business Performance and Analytic, PT. Bank 25-Aug-23 25-Aug-23 SME & Sales Distribution KEB Hana Mangkuluhur City
KEB Hana Indonesia (2020 - sekarang/present) Strategy Workshop
22-Sep-23 22-Sep-23 Talent Program 2022 Park Jong Jin & Head Office & Hotel
- Talent Engagement Dino Patti Djalal Westin - Jakarta
Program
13-Oct-23 13-Oct-23 Structure Thinking for Rifki Rizal Mangkuluhur City
Problem Solving Training Derrian
27-Oct-23 27-Oct-23 Business 2024 Target Plan KEB Hana Hotel
3-Nov-23 4-Nov-23 Whistleblowing Policy KEB Hana Mangkuluhur City
and System of Hana Bank
(Headquarter Compliance
Training) (E-Learning
Mobile Apps)
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 527
Page 532
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
23 Vitriawati Head of Learning and 43 Indonesia Bachelor Degree, Ekonomi, Universitas Andalas (1998)
Talent Development Indonesian
24 Jung Sungwun Head of Global Marketing 1 48 Korea Selatan Masters Degree(S2) EKONOMI UNIVERSITAS INDONESIA
South Korean (2013)
25 Hwang Sang Head of Strategy Planning 43 Korea Selatan Bachelor Degree MATHEMATICS SOGANG UNIVERSITY
Won South Korean (2007)
26 Anthoneus Head of AMLO CTF 50 Indonesia Bachelor Degree, Parahyangan Catholic University (1991)
Ismojo Djati Indonesian
528 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 533
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
Program Pendidikan Eksekutif PT. Bank Niaga (2005- 1-Mar-23 1-Mar-23 Lesson Learned Program KEB Hana Mangkuluhur City
2008) terkait Kasus Hukum dan
Sanksi Regulator
Recruitment, Selection, Training & Devlp Head PT. 27-Apr-23 27-Apr-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
Bank Kesawan (2008-2012) Phase II
Learning And Development Head PT. Bank QNB 24-May-23 24-May-23 Leader’s discussions on LinkedIn Beechwood Room,
Indonesia (2012-2014) Indonesia evolution & HR St Regis Hotel
matters in the light of the
current Macroeconomics
Training and Development Division Head PT. Bank 15-Jun-23 15-Jun-23 Future Forward Indonesia HR World South JW Marriott Hotel
KEB Hana Indonesia (2014-2015) Certification Workshop East Asia
Learning & Development Division Head PT. Bank KEB 15-Jun-23 15-Jun-23 Learning Session - KEB Hana Mangkuluhur City
Hana Indonesia (2015-2019) Development Program
for SFL
Learning and Talent Development Division Head PT. 15-Jun-23 15-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
Bank KEB Hana Indonesia (2019-2021) 2023 Apps
Head of Learning and Talent Development, PT. Bank 25-Aug-23 25-Aug-23 Refreshment Program Karsa Bakti Mangkuluhur City
KEB Hana Indonesia (2022-sekarang/present) Sertifikasi Manajemen Lestari
Risiko 2023
27-Jul-23 27-Jul-23 Business Overview & KEB Hana Mangkuluhur City
Strategy H2 2023
12-Sep-23 13-Sep-23 Pembekalan dan Uji PT Atma Jaya Mangkuluhur City
Kompetensi BNSP Mitra Nusantara
Manajemen SDM - General
Manager
2-Oct-23 2-Oct-23 Talent Program 2022 Park Jong Jin & Head Office & Hotel
- Talent Engagement Dino Patti Djalal Westin - Jakarta
Program
14-Oct-23 14-Oct-23 Gerakan Nasional Gerakan Ballroom BPJS
Indonesia Kompeten Nasional Kesehatan ,
(GNIK) Kompeten Cempaka Putih
Indonesia (GNKI)
27-Oct-23 27-Oct-23 Business 2024 Target Plan KEB Hana Hotel
3-Nov-23 4-Nov-23 Whistleblowing Policy KEB Hana Mangkuluhur City
and System of Hana Bank
(Headquarter Compliance
Training) (E-Learning
Mobile Apps)
21-Nov-23 21-Nov-23 Operational Excellence for SHIFT Indonesia Hotel Westin
Business Sustainability &
Growth
22-Dec-23 22-Dec-23 Refreshment Program PT Orbit Mitra Mangkuluhur City
Sertifikasi Manajemen Edukasi
Risiko 2023
Head of Global Marketing 1 PT Bank KEB Hana 8-Jul-23 8-Jul-23 Expatriate Workshop Q3 KEB Hana Cengkareng
Indonesia (2023 - sekarang/present) 2023
Head of Strategy Planning PT. Bank KEB Hana 3-Nov-23 4-Nov-23 Whistleblowing Policy KEB Hana Mangkuluhur City
Indonesia (2023-sekarang/present) and System of Hana Bank
(Headquarter Compliance
Training) (E-Learning
Mobile Apps)
Marketing Surveyor Contract PT. Birotika Semesta 20-Feb-23 20-Feb-23 Learning Session - AML KEB Hana Mangkuluhur City
(Hl) (1997-1998) Sharing Knowledge
Operational Risk Management PT Bank Danamon 1-Mar-23 1-Mar-23 Lesson Learned Program KEB Hana Mangkuluhur City
Indonesia (1999-2004) terkait Kasus Hukum dan
Sanksi Regulator
Operational Risk Management Officer ABN AMRO 14-Jun-23 14-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
Nv (2004-2004) 2023 Apps
Country Money Laundering And Reporting Officer 1-Jan-23 31-Dec-23 Annual Membership ACAMS LLC Mangkuluhur City
The Royal Bank Of Scotland Nv (2005-2016) ACAMS
Head Of Financial Economic Crime PT. Rabo Bank 7-Jul-23 7-Jul-23 Hana Leadership Journey KEB Hana Mangkuluhur City
International Idn (2016-2019) Workshop
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 529
Page 534
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
27 Rahmat Head of Finance Planning 47 Indonesia Master Degree, Economic Finance, Macquaire University
Hendratama Indonesian (2000)
28 Tjetjen Saputra Head of Compliance 52 Indonesia Bachelor Degree, Economic Management, Universitas
Indonesian Surapati (2009)
530 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 535
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
Aml Division Head PT. Bank KEB Hana Indonesia 18-Jul-23 18-Jul-23 Pelatihan Program Anti PT Kontinuitas Mangkuluhur City
(2019-2019) Kejahatan Keuangan Global (KG)
(Trade - Based Money Solusi
Laundering)
Head Of Fianncial Crime And Mlro PT. Bank Anz 25-Jul-23 25-Jul-23 ICA Indonesia Financial International Online
Indonesia (2019-2020) Crime Compliance Compliance
Conference 2023 Association (ICA)
Head of AMLO CTF PT. Bank KEB Hana Indonesia 28-Jul-23 28-Jul-23 APU PPT untuk Cabang KEB Hana Branch Office
(2021 - sekarang/present)
22-Sep-23 22-Sep-23 Talent Program 2022 Park Jong Jin & Head Office & Hotel
- Talent Engagement Dino Patti Djalal Westin - Jakarta
Program
Head Of Financial Reporting Unit - Fincon Dept PT. 3-Jan-23 3-Jan-23 Headquarter Compliance KEB Hana E-Learning Mobile
Rabo Bank International Idn (2002-2010) Training (August 2022) Apps
(E-Learning Mobile Apps)
Planning & Performance Management Specialist PT. 23-Feb-23 24-Feb-23 Perhitungan Aset Prospero Mangkuluhur City
Bank OCBC NISP Tbk (2010-2011) Tertimbang Menurut Risiko Solutions
Pasar (ATMR)
Head Of Investment Banking Development Dept 2-Feb-23 2-Feb-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
MUFG Bank Ltd (2011-2020) Phase II
Finance Planning Division, PT Bank KEB Hana 6-Apr-23 6-Apr-23 Sosialisasi Peningkatan Bank Indonesia Mangkuluhur City
Indonesia(2020-2021) Kualitas Data Laporan
Bank Umum Terintegrasi
(LBUT)
Head of Finance Planning, PT. Bank KEB Hana 9-Apr-23 9-Apr-23 Sex, Gender Discrimination KEB Hana E-Learning Mobile
Indonesia (2021 - sekarang/present) and Sexual Harassment Apps
(Headquarter Compliance)
(E-Learning Mobile Apps )
14-Jun-23 14-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
2023 Apps
22-Jun-23 22-Jun-23 Sharing Session: Subdit Mangkuluhur City
Pengenalan Bentuk FISMONDEV
Kejahatan Kriminalitas Polda Metro
Lingkup Perbankan Jaya & Staff Ahli
(Mantan Kepada
PPATK) - Bp. Dr.
Yunus Husein
21-Aug-23 22-Aug-23 Expert Powerpoint Binus Center Mangkuluhur City
Techniques Using Graphic
Design Methods Training
29-Aug-23 29-Aug-23 Tax Training: Natura SF Consulting Mangkuluhur City
Remuneration as Income
Tax Object Employee
13-Oct-23 13-Oct-23 Structure Thinking for Rifki Rizal Mangkuluhur City
Problem Solving Training Derrian
17-Oct-23 18-Oct-23 Transfer Pricing Updates PT Dimensi Mangkuluhur City
for Banking International Tax
(DDTC)
Staff Operational Division Bank Buana Indonesia 2-Feb-23 2-Feb-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
(1990-1992) Phase II
Internal Auditor Officer Bank Dagang Negara 21-Feb-23 21-Feb-23 Hana Financial Group's KEB Hana E-Learning Mobile
Indonesia (1992-1994) Code of Ethics 'Code One' Apps
(Headquarter Compliance)
(E-Learning Mobile Apps )
Analist Credit Officer Bank Bumi Artha Indonesia 22-Feb-23 22-Feb-23 Sex, Gender Discrimination KEB Hana E-Learning Mobile
(1994-1996) and Sexual Harassment Apps
(Headquarter Compliance)
(E-Learning Mobile Apps )
Head of Compliance Hagabank (1996-2007) 1-Mar-23 1-Mar-23 Lesson Learned Program KEB Hana Mangkuluhur City
terkait Kasus Hukum dan
Sanksi Regulator
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 531
Page 536
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
29 Mifta Chul Chaq Head of Internal Audit 44 Indonesia Bachelor Degree, Accounting, Universitas Trisakti (1996)
Mahfoed Indonesian
532 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 537
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
Head of Compliance Rabobank International 18-Apr-23 18-Apr-23 Findings from recent KEB Hana E-Learning Mobile
Indonesia (2007-2014) Ongoing Surveillance Apps
and Matters for Caution
(E-Learning Mobile Apps)
Assistance of Compliance Division Head PT. Bank 17-May-23 17-May-23 Leveraging COSO across KEB Hana E-Learning Mobile
Maybank Indonesia (2014-2018) the Three Lines of Defense Apps
(Headquarter Compliance
Training) (E-Learning
Mobile Apps)
Compliance Division Head, PT. Bank KEB Hana 17-May-23 17-May-23 Tipping off in Financial KEB Hana E-Learning Mobile
Indonesia ( 2020 - 2021 ) Institutions (Headquarter Apps
Compliance Training)
(E-Learning Mobile Apps)
Head of Compliance, PT. Bank KEB Hana Indonesia 14-Jun-23 14-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
(2021 - sekarang/present) 2023 Apps
6-Jun-23 6-Jun-23 Whistleblowing Policy KEB Hana E-Learning Mobile
and System of Hana Bank Apps
(Headquarter Compliance
Training) (E-Learning
Mobile Apps)
7-Jul-23 7-Jul-23 Hana Leadership Journey KEB Hana Mangkuluhur City
Workshop
12-Jul-23 12-Jul-23 Implementation of PDPL Forum Mangkuluhur City
& Challenges to Their Komunikasi
Implementation Direktur
Kepatuhan
Perbankan
5-Sep-23 5-Sep-23 Measures to Innovate Bank KEB Hana E-Learning Mobile
Internal Controls in Korea_ Apps
English
27-Oct-23 27-Oct-23 Headquarter Compliance KEB Hana E-Learning Mobile
Training (Regulation Apps
Technology Training)
6-Oct-23 6-Oct-23 Measures to Innovate Bank KEB Hana E-Learning Mobile
Internal Controls in Korea_ Apps
English
Operational Risk Assurance Specialist 2-Feb-23 2-Feb-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
Commonwealth Bank (2008-2015) Phase II
Head Office & Support Function Audit PT. Bank 1-Mar-23 1-Mar-23 Lesson Learned Program KEB Hana Mangkuluhur City
Maybank Indonesia (2015-2019) terkait Kasus Hukum dan
Sanksi Regulator
Kepala Departemen Internal Audit PT. Bank KEB 15-Jun-23 15-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
Hana Indonesia (2019 - 2020) 2023 Apps
Kepala Divisi Internal Audit (Pjs) PT. Bank KEB Hana 7-Jul-23 7-Jul-23 Hana Leadership Journey KEB Hana Mangkuluhur City
Indonesia (Jul-Dec 2020) Workshop
Head Of Internal Audit PT. Bank KEB Hana Indonesia 14-Jul-23 14-Jul-23 Talent Program 2023: KEB Hana Mangkuluhur City
(Jan 2021 - sekarang/present) Mentor Sharing Periode
Juli 2023
25-Aug-23 25-Aug-23 Refreshment Program Karsa Bakti Mangkuluhur City
Sertifikasi Manajemen Lestari
Risiko 2023
30-Aug-23 31-Aug-23 2023 IIA Indonesia National IIA Indonesia Best Western
Conference (Institute of Premier Panbil
Internal Auditors
Indonesia)
22-Sep-23 22-Sep-23 Talent Program 2022 Park Jong Jin & Head Office & Hotel
- Talent Engagement Dino Patti Djalal Westin - Jakarta
Program
1-Nov-23 30-Nov-23 Self Leadership to Develop Remaja E-Learning Mobile
Personal Capability Tampubolon Apps
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 533
Page 538
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
30 Kim Dong Lak Head of Global Marketing 3 41 Korea Selatan Bachelor Degree, Political Science and Diplomacy, Korean
South Korean History, Yonsei University (2000)
31 Marco Wirjadi Head of SME 43 Indonesia Masters Degree, Business Administration, MICHIGAN
Indonesian ROSS UNIVERSITY (2019)
32 Rahman Fianto Head of Commercial 39 Indonesia Bachelor Degree Teknik Informatika, Universitas Bina
Banking Indonesian Nusantara (2001)
534 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 539
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
Intern Sports Marketing Sportizen (2005-2006) 28-Mar-23 11-Aug-23 Indonesian Language SIB School of Mangkuluhur City
Course for Expatriates Language
Assistant Manager/Clerk Corporate Banking 1-Apr-23 1-Apr-23 Expatriate Workshop Q1 KEB Hana Rainbow Hills
Nonhyunnam Branch Hana Bank Korea (2006-2011) 2023
Manager/Assistant Manager Corporate Banking 19-Jun-23 19-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
Yeoksamdong Branch Hana Bank Korea (2011-2015) 2023 Apps
Senior Manager/Manager Yangjaejungang Branch 8-Jul-23 8-Jul-23 Expatriate Workshop Q3 KEB Hana Cengkareng
KEB Hana Bank Korea (2015-2018) 2023
Senior Auditor Audit & Examination KEB Hana Bank 14-Dec-23 14-Dec-23 Refresher - Fraud KEB Hana E-Learning Mobile
Korea (2018-2020) Risk Awareness 2023 Apps
(E-Learning Mobile Apps)
Head Of Global Marketing 3 PT. Bank KEB Hana
Indonesia (2021 - sekarang/present)
Marketing Manager PT. Rajawali Kontraktor (2005- 2-Feb-23 2-Feb-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
2006) Phase II
Credit Analyst Hana Bank Korea (2012-2012) 16-Feb-23 17-Feb-23 Business Workshop Lego Serious The Westin Hotel
2023 for SME & Sales Play
Distribution
Global Business Kokmin Bank (2012-2012) 1-Apr-23 1-Apr-23 Expatriate Workshop Q1 KEB Hana Rainbow Hills
2023
Change Management Division Head PT. Bank KEB 14-Jun-23 14-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
Hana Indonesia (2012-2013) 2023 Apps
Human Resources Division Head PT. Bank KEB Hana 8-Jul-23 8-Jul-23 Expatriate Workshop Q3 KEB Hana Cengkareng
Indonesia (2013-2018) 2023
Corporate Planning Division Head PT. Bank KEB 25-Aug-23 25-Aug-23 Refreshment Program Karsa Bakti Mangkuluhur City
Hana Indonesia (2018-2019) Sertifikasi Manajemen Lestari
Risiko 2023
Professor Trainer PT. Bank KEB Hana Indonesia (2019- 22-Sep-23 22-Sep-23 Talent Program 2022 Park Jong Jin & Head Office & Hotel
2020) - Talent Engagement Dino Patti Djalal Westin - Jakarta
Program
Business Support Division Head PT. Bank KEB Hana 27-Oct-23 27-Oct-23 Business 2024 Target Plan KEB Hana Hotel
Indonesia (2020-2021)
Head of Business Support, PT Bank KEB Hana 3-Nov-23 4-Nov-23 Whistleblowing Policy KEB Hana E-Learning Mobile
Indonesia (2021-2023) and System of Hana Bank Apps
(Headquarter Compliance
Training) (E-Learning
Mobile Apps)
Head of SME, PT Bank KEB Hana Indonesia
(2023-sekarang/present)
Emerging Business Manager PT Bank OCBC NISP 6-Feb-23 6-Feb-23 Training Enhancement KEB Hana Branch Office
(2005-2009) New Credit Policy & System
(Cash) Skill
Branch Manager Hana Bank (2009-2009) 2-Feb-23 2-Feb-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
Phase II
Area Manager China Construction Bank Indonesia 20-Jun-23 20-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
(2009-2020) 2023 Apps
Loan Restructuring Division Head PT. Bank KEB 22-Aug-23 22-Aug-23 Refreshment Program Efektif Pro Mangkuluhur City
Hana Indonesia (2020-2020) Sertifikasi Manajemen
Risiko 2023
Commercial and Corporate Banking Division Head 22-Sep-23 22-Sep-23 Talent Program 2022 Park Jong Jin & Head Office & Hotel
PT. Bank KEB Hana Indonesia (2020-2020) - Talent Engagement Dino Patti Djalal Westin - Jakarta
Program
Enterprise Banking Division Head PT. Bank KEB Hana
Indonesia (2020-2021)
Head of Enterprise Banking, PT. Bank KEB Hana
Indonesia (2021-2023)
Head of Commercial Banking, PT. Bank KEB Hana
Indonesia (2023-sekarang/present)
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 535
Page 540
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
33 Yordan Head of Litigation 40 Indonesia Masters Degree, HUKUM, UNIVERSITAS INDONESIA
Demesky Indonesian (2009)
34 Kim Head of Credit Review 42 Korea Selatan Bachelor Degree SUNGKYUNKWAN UNIVERSITY (2007)
Youngkwon South Korean
35 Mitchell Head of Credit Review 2 41 Indonesia Bachelor Degree of Technical Industrial, Universitas
Suryatenggara Indonesian Katolik Parahyangan (1999)
536 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 541
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
Junior Lawyer Hanafiah Ponggawa And Partners 2-Feb-23 2-Feb-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
(2007-2007) Phase II
Retail Litigation Department Head CIMB Niaga 10-Feb-23 17-Mar-23 Training Hukum Perdata Sigit Ardianto, Mangkuluhur City
(2008-2010) (Hukum Jaminan) S.H., L.L.M., ESQ
Head Of Litigation Permata Bank (2010-2015) 14-Jun-23 14-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
2023 Apps
Head Of Litigation BII Maybank (2016-2021) 11-Oct-23 11-Oct-23 Pelatihan Sistem Aplikasi PT DRAGO #REF!
Litigasi KREATIFINDO
DIGITAL
Litigation Division Head PT. Bank KEB Hana
Indonesia (2021)
Head of Litigation, PT. Bank KEB Hana Indonesia
(2021-sekarang/present)
CLERK/ IMAE-DONG BRANCH KEB HANA BANK 20-Jun-23 20-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
(2008-2010) 2023 Apps
ASSISTANT MANAGER KEB HANA BANK (2010-2012) 8-Jul-23 8-Jul-23 Expatriate Workshop Q3 KEB Hana Cengkareng
2023
ASSISTANT MANAGER KEB HANA BANK (2012-2014) 16-Oct-23 16-Oct-23 Fraud Risk Awareness KEB Hana E-Learning Mobile
(E-Learning Mobile Apps) Apps
ASSISTANT MANAGER KEB HANA BANK (2014-2015) 16-Oct-23 16-Oct-23 Refresher - Fraud KEB Hana E-Learning Mobile
Risk Awareness 2023 Apps
(E-Learning Mobile Apps)
ASSISTANT MANAGER KEB HANA BANK (2015-2016)
MANAGER KEB HANA BANK (2016-2019)
SENIOR MANAGER KEB HANA BANK (2019-2023)
Head of Credit Reviewer PT. Bank KEB Hana
Indonesia (2023-sekarang/present)
System Analyst PT. Soltis Indonesia (2004-2005) 19-Jan-23 19-Jan-23 Talent Program 2023 Coaching Mangkuluhur City
- Training Program for Indonesia
Senior Talent: Coaching
Skills
Trade Finance PT. Bank Niaga (2005-2006) 24-Jan-23 24-Jan-23 Talent Program 2023 - Helmy Yahya Mangkuluhur City
Coaching Program: Talent
Sharing Session
Reviewer Development PT. Bank Niaga (2005-2005) 17-Jan-23 17-Jan-23 Talent Program 2023 - KEB Hana Mangkuluhur City
Coaching Program: BOD
Talk 2023
High End Accounting PT. Bank Niaga (2006-2007) 6-Feb-23 6-Feb-23 Training Enhancement KEB Hana Branch Office
New Credit Policy & System
(Cash) Skill
Relationship Officer PT. Bank Niaga (2007-2009) 24-Feb-23 24-Feb-23 Talent Program 2023 PT. NalarPrima Mangkuluhur City
- Training Program for Lentera
Senior Talent: Negotiation Indonesia
Skills
Senior Relationship Officer High End PT. Bank Niaga 2-Feb-23 2-Feb-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
(2009-2011) Phase II
Commercial Banking Department Head PT. Bank 14-Apr-23 14-Apr-23 Talent Program 2023 - Dharma Mangkuluhur City
Hana (2011-2013) Coaching Program: Talent Simorangkir
Sharing Session periode
April
Credit Review SME Department Head PT. Bank Hana 14-Jun-23 14-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
(2013-2014) 2023 Apps
Credit Review Department Head PT. Bank KEB Hana 22-Jun-23 22-Jun-23 Sharing Session: Subdit Mangkuluhur City
Indonesia (2014-2018) Pengenalan Bentuk FISMONDEV
Kejahatan Kriminalitas Polda Metro
Lingkup Perbankan Jaya & Staff Ahli
(Mantan Kepada
PPATK) - Bp. Dr.
Yunus Husein
SME Commercial and Corporate Review Dept head, 7-Jul-23 7-Jul-23 Hana Leadership Journey KEB Hana Mangkuluhur City
PT. Bank KEB Hana Indonesia (2018-2019) Workshop
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 537
Page 542
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
36 Seo Jung Woo Head of Treasury 43 Korea Selatan Bachelor Degree, Economic University of Seoul (2002)
South Korean
37 Margareth Head of International 44 Indonesia Bachelor Degree, Other, PETRA CHRISTIAN UNIVERSITY
Banking Indonesian (1996)
538 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 543
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
Credit Review 2 Division Head, PT Bank KEB Hana 23-Aug-23 23-Aug-23 Refreshment Program Efektif Pro Mangkuluhur City
Indonesia (2019-2022) Sertifikasi Manajemen
Risiko 2023
Head of Credit Review 2 PT. Bank KEB Hana 22-Sep-23 22-Sep-23 Talent Program 2022 Park Jong Jin & Head Office & Hotel
Indonesia ( 2022 - sekarang/present ) - Talent Engagement Dino Patti Djalal Westin - Jakarta
Program
Clerk Corporate Banking & Retails Seokkye-yeok 11-Mar-23 11-Mar-23 Program Refreshment ACI Financial Online
Branch Hana Bank Korea (2006-2008) Sertifikasi Tresuri / March Market
2023 Association
Indonesia
Assistant Manager Corp Business Hana Bank Korea 31-Mar-23 1-Mar-24 Keanggotaan Asosiasi ACI FMA Mangkuluhur City
(2008-2010) Profesi Sertifikasi Tresuri Indonesia
/ 2023
Manager FX & Derivatives Sales KEB Hana Bank 1-Apr-23 1-Apr-23 Expatriate Workshop Q1 KEB Hana Rainbow Hills
Korea (2010-2016) 2023
Senior Manager FX Trading KEB Hana Bank Korea 19-Jun-23 19-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
(2016-2020) 2023 Apps
Treasury Division Head, PT. Bank KEB Hana Indonesia 8-Jul-23 8-Jul-23 Expatriate Workshop Q3 KEB Hana Cengkareng
(2020 - 2021) 2023
Head of Treasury, PT. Bank KEB Hana Indonesia (2022 16-Sep-23 16-Sep-23 Program Refreshment ACI Financial Online
- sekarang/present) Sertifikasi Tresuri / March Market
2023 Association
Indonesia
13-Oct-23 13-Oct-23 Structure Thinking for Rifki Rizal Mangkuluhur City
Problem Solving Training Derrian
Export Import Officer PT. Bank OCBC NISP Tbk 2-Feb-23 2-Feb-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
(2002-2004) Phase II
VP Head of Trade Client Management PT. Bank DBS 20-Feb-23 20-Feb-23 Learning Session - FGD KEB Hana Mangkuluhur City
Indonesia (2004-2020) Destroy SILO Group 11
International Banking Division Head, PT Bank KEB 1-Mar-23 1-Mar-23 Lesson Learned Program KEB Hana Mangkuluhur City
Hana Indonesia (2020-2021) terkait Kasus Hukum dan
Sanksi Regulator
Head of International Banking, PT. Bank KEB Hana 6-Mar-23 6-Mar-23 Headquarter Compliance KEB Hana E-Learning Mobile
Indonesia (2022-sekarang/present) Training (March 2023) Apps
(E-Learning Mobile Apps)
14-Apr-23 14-Apr-23 Findings from recent KEB Hana E-Learning Mobile
Ongoing Surveillance Apps
and Matters for Caution
(E-Learning Mobile Apps)
28-Apr-23 28-Apr-23 Learning Session - FGD KEB Hana Mangkuluhur City
Destroy SILO Group 11
(Project Planning)
9-May-23 10-May-23 Financial Statement FEI Training & Mangkuluhur City
Analysis for Financial Management
Institution Consulting
11-May-23 11-May-23 Leveraging COSO across KEB Hana E-Learning Mobile
the Three Lines of Defense Apps
(Headquarter Compliance
Training) (E-Learning
Mobile Apps)
30-May-23 30-May-23 Learning Session - FGD KEB Hana Mangkuluhur City
Destroy SILO Group
11 (Deposit Product
Cleansing)
15-Jun-23 15-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
2023 Apps
7-Jun-23 7-Jun-23 Whistleblowing Policy KEB Hana E-Learning Mobile
and System of Hana Bank Apps
(Headquarter Compliance
Training) (E-Learning
Mobile Apps)
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 539
Page 544
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
38 Kwon Tae Geun Head of Information 48 Korea Selatan Bachelor Degree, Political Science & Diplomacy, Korean
Technology South Korean History, Seoul Digital University (2003)
540 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 545
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
22-Jun-23 22-Jun-23 Sharing Session: Subdit Mangkuluhur City
Pengenalan Bentuk FISMONDEV
Kejahatan Kriminalitas Polda Metro
Lingkup Perbankan Jaya & Staff Ahli
(Mantan Kepada
PPATK) - Bp. Dr.
Yunus Husein
7-Jul-23 7-Jul-23 Hana Leadership Journey KEB Hana Mangkuluhur City
Workshop
17-Jul-23 17-Jul-23 Learning Session - FGD KEB Hana Mangkuluhur City
Destroy SILO Group 11
(Project Planning)
7-Aug-23 11-Aug-23 UK Correspondent J.P.Morgan J.P.Morgan Office
Banking Seminar
22-Sep-23 22-Sep-23 Talent Program 2022 Park Jong Jin & Head Office & Hotel
- Talent Engagement Dino Patti Djalal Westin - Jakarta
Program
27-Oct-23 27-Oct-23 Headquarter Compliance KEB Hana E-Learning Mobile
Training (Regulation Apps
Technology Training)
1-Nov-23 30-Nov-23 Self Leadership to Develop Remaja E-Learning Mobile
Personal Capability Tampubolon Apps
1-Nov-23 31-Oct-26 Certificate for Specialists ICC Indonesia Online
in Demand Guarantees
(CSDG) Recertification
29-Nov-23 29-Nov-23 Trade Dispute Resolution ICC Indonesia Hotel
And New Version Of
ISBP821
11-Dec-23 11-Dec-23 Headquarter Compliance KEB Hana E-Learning Mobile
Training (Measures to Apps
Innovate Bank Internal
Controls in Korea_English)
22-Dec-23 22-Dec-23 Refreshment Program PT Orbit Mitra Mangkuluhur City
Sertifikasi Manajemen Edukasi
Risiko 2023
Staff Eunhangdong, Pyeongchon, Ansan Branch 14-Mar-23 11-Aug-23 Indonesian Language SIB School of Mangkuluhur City
Seoul Bank Korea (1996-2022) Course for Expatriates Language
Position Chief IT Development Seoul Bank Korea 1-Apr-23 1-Apr-23 Expatriate Workshop Q1 KEB Hana Rainbow Hills
(2002-2003) 2023
Position Chief IT Planning Hana Bank Korea (2003- 19-Jun-23 19-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
2004) 2023 Apps
Assistant Manager IT Planning Hana Bank Korea 8-Jul-23 8-Jul-23 Expatriate Workshop Q3 KEB Hana Cengkareng
(2004-2005) 2023
Assistant Manager System Maintenance Hana Bank
Korea (2005-2012)
General Manager IT Planning Hana Bank Korea
(2012-2013)
Deputy General Manager IT Information
Development Hana Bank Korea (2013-2019)
Deputy General Manager Data Strategy KEB Hana
Bank Korea (20119-2020)
Senior Manager IT Planning Hana Bank Korea (2020-
2021)
Information Technology Division Head PT. Bank KEB
Hana Indonesia (2021-2022)
Head of Information Technology, PT Bank KEB Hana
Indonesia (2022-sekarang/present)
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 541
Page 546
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
39 Diah Octaviani Head of IT PMO 44 Indonesia Bachelor Degree,MIS & FINANCE, NORTHWESTERN
Kusnomo Indonesian UNIVERSITY (2000)
40 Jung Il Han Head of Digital Business 51 Korea Selatan Masters Degree,Business Administration-
Strategy South Korean NORTHWESTERN UNIVERSITY (2006)
542 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 547
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
IT PMO Head, PT Bank BTPN (2010-2021) 2-Feb-23 2-Feb-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
Phase II
Head of IT PMO , PT Bank KEB Hana Indonesia ( 2-Mar-23 2-Mar-23 Sistem Manajemen Robere & Mangkuluhur City
2022-sekarang/present) Keamanan Informasi Associates
(Awareness ISO/IEC 27001-
2013)
14-Mar-23 14-Mar-23 Learning Session - FGD KEB Hana Mangkuluhur City
Destroy SILO Group 10
22-May-23 22-May-23 Interpersonal Skill Training Dody Triasmara Mangkuluhur City
11-May-23 11-May-23 Leveraging COSO across KEB Hana E-Learning Mobile
the Three Lines of Defense Apps
(Headquarter Compliance
Training) (E-Learning
Mobile Apps)
15-Jun-23 15-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
2023 Apps
19-Jun-23 23-Jun-23 Project Management PT. eNetwoQ Fave Hotel Gatot
Professional (PMP) ServIT Indonesia Subroto
6-Jun-23 6-Jun-23 Whistleblowing Policy KEB Hana E-Learning Mobile
and System of Hana Bank Apps
(Headquarter Compliance
Training) (E-Learning
Mobile Apps)
7-Jul-23 7-Jul-23 Hana Leadership Journey KEB Hana Mangkuluhur City
Workshop
22-Sep-23 22-Sep-23 Talent Program 2022 Park Jong Jin & Head Office & Hotel
- Talent Engagement Dino Patti Djalal Westin - Jakarta
Program
4-Oct-23 18-Oct-23 General Banking KEB Hana E-Learning Mobile
Knowledge for IT Team Apps
27-Oct-23 27-Oct-23 Headquarter Compliance KEB Hana E-Learning Mobile
Training (Regulation Apps
Technology Training)
6-Dec-23 6-Dec-23 Headquarter Compliance KEB Hana E-Learning Mobile
Training (Measures to Apps
Innovate Bank Internal
Controls in Korea_English)
Financial Accountant,Jpmorgan Chase Bank (1999- 13-Mar-23 15-Sep-23 Indonesian Language SIB School of Mangkuluhur City
2002) Course for Expatriates Language
Financial Controller, Citigroup Global Market (2002- 1-Apr-23 1-Apr-23 Expatriate Workshop Q1 KEB Hana Rainbow Hills
2006) 2023
Strategy Consultant, At Kearney (2008-2010) 8-Jul-23 8-Jul-23 Expatriate Workshop Q3 KEB Hana Cengkareng
2023
Startegy And New Business Dev Gm, Standard 15-Sep-23 15-Sep-23 Refreshment APU PPT KEB Hana E-Learning Mobile
Chartered (2010-2012) 2023 Apps
Product Manager, Standard Chartered (2012-2014) 12-Oct-23 12-Oct-23 Consumer Banking 2024 KEB Hana Pullman Hotel,
Business Target Plan Jakarta
Head Of Sales, Hyundai Capital Service (2014-2016)
Sr Business Development Mgr, Assurant (2016-2019)
Business Lead, Line Financial Plus (2019-2020)
Corp Planning And New Business Dev Lead, Ok
Saving Banks (2020-2022)
Head Of Digital Business Strategy, Pt Bank Keb Hana
Indonesia (2022-Sekarang/Present)
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 543
Page 548
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
41 Dedy Susanto Branch Manager KC 43 Indonesia Diploma 3,Akutansi- STIE LAMPUNG (2000)
Lampung Indonesian
42 Adithia Head of Sales and 38 Indonesia Master Degree, Ekonomi, Universitas Bina Nusantara
Isdiyanto Distribution Indonesian (2006)
Seti Autama
544 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 549
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
Finance And Accounting, Pt Patoraya (2001-2004) 15-Feb-23 15-Feb-23 Training Enhancement KEB Hana Branch Office
New Credit Policy & System
(Cash) Skill
Finance And Accounting, Pt Bank Uob Indonesia 11-Jan-23 28-Jan-23 WPPE-P Certification - TICMI (The Mangkuluhur City
(2004-2006) January 2023 Indonesia
Capital Market
Institute)
& LSPPMI
(Lembaga
Profesi
Pasar Modal
Indonesia)
Sme Banking, Rabobank Indonesia (2006-2008) 16-Feb-23 17-Feb-23 Business Workshop Lego Serious The Westin Hotel
2023 for SME & Sales Play
Distribution
Sme Banking, Bank Mayora (2008-2011) 20-Jun-23 20-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
2023 Apps
Emerging And Commercial Banking, Pt Bank Ocbc 22-Jun-23 22-Jun-23 Sharing Session: Subdit Mangkuluhur City
Nisp Tbk (2011-2015) Pengenalan Bentuk FISMONDEV
Kejahatan Kriminalitas Polda Metro
Lingkup Perbankan Jaya & Staff Ahli
(Mantan Kepada
PPATK) - Bp. Dr.
Yunus Husein
Commercial Banking,Pt Bank Hsbc Indonesia (2015- 25-Aug-23 25-Aug-23 APU PPT untuk Cabang KEB Hana Branch Office
2022)
Branch Manager Kc Lampung, Pt Bank Keb Hana 25-Aug-23 25-Aug-23 SME & Sales Distribution KEB Hana Mangkuluhur City
Indonesia (2022 -Sekarang/Present) Strategy Workshop
27-Jul-23 27-Jul-23 Business Overview & KEB Hana Mangkuluhur City
Strategy H2 2023
11-Sep-23 15-Sep-23 Refreshment Internal KEB Hana E-Learning Mobile
Certification WM Products Apps
26-Oct-23 26-Oct-23 SME & Branch Monthly KEB Hana Mangkuluhur City
Meeting (Branch Strategy
Meeting)
10-Nov-23 10-Nov-23 Training Strengthening KEB Hana Mangkuluhur City
Capabilities In Credit Policy
Sales Manager for Acquisition Team Bank Barclays 17-Jan-23 17-Jan-23 Talent Program 2023 - KEB Hana Mangkuluhur City
Indonesia (2009-2010) Coaching Program: BOD
Talk 2023
Branch Manager Commonwealth Bank (2010-2016) 19-Jan-23 19-Jan-23 Talent Program 2023 Coaching Mangkuluhur City
- Training Program for Indonesia
Senior Talent: Coaching
Skills
Branch Manager KCP PIK PT. Bank KEB Hana 27-Jan-23 31-Jan-23 2023 Global Workshop & KEB Hana Cheongna IT Hana
Indonesia (2016-2021) Global Employee Bank Incheon
Head of Sales and Distribution, PT Bank KEB Hana 6-Feb-23 6-Feb-23 Training Enhancement KEB Hana Branch Office
Indonesia (2022-sekarang/present) New Credit Policy & System
(Cash) Skill
17-Feb-23 7-Mar-23 Wakil Manajer Investasi TICMI (The Mangkuluhur City
(WMI) Indonesia
Capital Market
Institute)
24-Feb-23 24-Feb-23 Talent Program 2023 PT. NalarPrima Mangkuluhur City
- Training Program for Lentera
Senior Talent: Negotiation Indonesia
Skills
2-Feb-23 2-Feb-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
Phase II
16-Feb-23 17-Feb-23 Business Workshop Lego Serious The Westin Hotel
2023 for SME & Sales Play
Distribution
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 545
Page 550
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
43 Juli Maria Head of SME 56 Indonesia Bachelor Degree, Management, UNIKA ATMAJAYA (1986)
Indonesian
546 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 551
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
1-Mar-23 1-Mar-23 Lesson Learned Program KEB Hana Mangkuluhur City
terkait Kasus Hukum dan
Sanksi Regulator
14-Apr-23 14-Apr-23 Talent Program 2023 - Dharma Mangkuluhur City
Coaching Program: Talent Simorangkir
Sharing Session periode
April
19-Jun-23 19-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
2023 Apps
22-Jun-23 22-Jun-23 Sharing Session: Subdit Mangkuluhur City
Pengenalan Bentuk FISMONDEV
Kejahatan Kriminalitas Polda Metro
Lingkup Perbankan Jaya & Staff Ahli
(Mantan Kepada
PPATK) - Bp. Dr.
Yunus Husein
7-Jul-23 7-Jul-23 Hana Leadership Journey KEB Hana Mangkuluhur City
Workshop
25-Aug-23 25-Aug-23 SME & Sales Distribution KEB Hana Mangkuluhur City
Strategy Workshop
1-Aug-23 31-Aug-23 Deposit AAJI - Agustus Asosiasi Asuransi Mangkuluhur City
2023 Jiwa Indonesia
22-Sep-23 22-Sep-23 Talent Program 2022 Park Jong Jin & Head Office & Hotel
- Talent Engagement Dino Patti Djalal Westin - Jakarta
Program
26-Oct-23 26-Oct-23 SME & Branch Monthly KEB Hana Mangkuluhur City
Meeting (Branch Strategy
Meeting)
27-Oct-23 27-Oct-23 Business 2024 Target Plan KEB Hana Hotel
Branch Manager Lippo Bank (2000-2008) 6-Feb-23 6-Feb-23 Training Enhancement KEB Hana Branch Office
New Credit Policy & System
(Cash) Skill
Area Manager SME Jakarta 2 CIMB Niaga (2008-2016) 2-Feb-23 2-Feb-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
Phase II
Branch Manager KCP Plaza Oleos PT. Bank KEB Hana 16-Feb-23 17-Feb-23 Business Workshop Lego Serious The Westin Hotel
Indonesia (2016-2016) 2023 for SME & Sales Play
Distribution
SME Branch Manager KCP Plaza Oleos PT. Bank KEB 20-Jun-23 20-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
Hana Indonesia (2016-2019) 2023 Apps
Area Manager Jakarta 1 PT. Bank KEB Hana Indonesia 22-Jun-23 22-Jun-23 Sharing Session: Subdit Mangkuluhur City
(2019-2020) Pengenalan Bentuk FISMONDEV
Kejahatan Kriminalitas Polda Metro
Lingkup Perbankan Jaya & Staff Ahli
(Mantan Kepada
PPATK) - Bp. Dr.
Yunus Husein
Branch Manager KCP Plaza Oleos PT. Bank KEB Hana 14-Jul-23 14-Jul-23 Training Enhancement KEB Hana Branch Office
Indonesia (2019-2019) New Credit Policy & System
(Cash) Skill
Commercial and Corporate Banking Division Head 2 25-Aug-23 25-Aug-23 SME & Sales Distribution KEB Hana Mangkuluhur City
PT. Bank KEB Hana Indonesia (2020-2021) Strategy Workshop
Commercial Banking Division Head PT. Bank KEB 27-Jul-23 27-Jul-23 Business Overview & KEB Hana Mangkuluhur City
Hana Indonesia (2021-2022) Strategy H2 2023
Head of SME, PT Bank KEB Hana Indonesia
(2022-sekarang/present)
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 547
Page 552
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
44 Inwoong Bahng Head of Digital Banking IT 40 Korea Selatan Bachelor Degree, Computer Engineering, Kyungdong
Specialist South Korean University (2001)
45 Frenky Branch Manager KC 34 Indonesia Bachelor Degree of Marketing Management, Universitas
Palembang Indonesian Katolik Parahyangan (2006)
46 Julianti Hosen Head of Banking Service 43 Indonesia Bachelor Degree of Marketing Management, Universitas
Management Indonesian Bina Nusantara (2012)
548 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 553
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
Clerk, Core Bank Co., Ltd (2008-2009) 14-Mar-23 11-Aug-23 Indonesian Language SIB School of Mangkuluhur City
Course for Expatriates Language
Assistant Manager, Core Bank Co., Ltd (2009-2013) 1-Apr-23 1-Apr-23 Expatriate Workshop Q1 KEB Hana Rainbow Hills
2023
Deputy General Manager, Core Bank Co., Ltd 19-Jun-23 19-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
(2013-2016) 2023 Apps
General Manager, PT Boleh NET Indonesia 8-Jul-23 8-Jul-23 Expatriate Workshop Q3 KEB Hana Cengkareng
(2016-2022) 2023
Head of Digital Banking IT Specialist, PT Bank KEB 14-Dec-23 14-Dec-23 Refresher - Fraud KEB Hana E-Learning Mobile
Hana Indonesia (2022-sekarang/present) Risk Awareness 2023 Apps
(E-Learning Mobile Apps)
Business Manager, PT Bank Danamon Indonesia 15-Feb-23 15-Feb-23 Training Enhancement KEB Hana Branch Office
(2012-2017) New Credit Policy & System
(Cash) Skill
Branch Executive, PT Bank OCBC NISP Tbk 15-Jan-23 12-Oct-23 Keanggotaan Asosiasi Lembaga Mangkuluhur City
(2017-2022) Sertifikasi WPPE-P/ 2023 Sertifikasi
Profesi Pasar
Modal Indonesia
(LSPPMI)
Branch Manager KC Palembang , PT Bank KEB Hana 16-Feb-23 17-Feb-23 Business Workshop Lego Serious The Westin Hotel
Indonesia (2022 -sekarang/present) 2023 for SME & Sales Play
Distribution
19-Jun-23 19-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
2023 Apps
27-Jul-23 27-Jul-23 Business Overview & KEB Hana Mangkuluhur City
Strategy H2 2023
24-Aug-23 6-Sep-23 Refreshment Internal KEB Hana E-Learning Mobile
Certification WM Products Apps
15-Sep-23 15-Sep-23 APU PPT untuk Cabang KEB Hana Branch Office
26-Oct-23 26-Oct-23 SME & Branch Monthly KEB Hana Mangkuluhur City
Meeting (Branch Strategy
Meeting)
27-Oct-23 27-Oct-23 Business 2024 Target Plan KEB Hana Hotel
10-Nov-23 10-Nov-23 Training Strengthening KEB Hana Mangkuluhur City
Capabilities In Credit Policy
Teacher, Tarsisius School (2000-2001) 16-Mar-23 16-Mar-23 Learning Session - AML KEB Hana Mangkuluhur City
Sharing Knowledge for
BSM
Finance Staff, PT Batara Mega Krida Kencana (2001- 27-Apr-23 27-Apr-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
2004) Phase II
Settlement Supervisor, PT Bank UOB Indonesia 14-Jun-23 14-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
(2004-2007) 2023 Apps
Head of Operation Management Department, PT 15-Jun-23 15-Jun-23 Sosialisasi Refreshment KEB Hana Mangkuluhur City
Bank ICBC Indonesia (2009-2022) Ketentuan Pelaporan
Antasena
Head of Banking Service Management, PT Bank KEB 7-Jul-23 7-Jul-23 Hana Leadership Journey KEB Hana Mangkuluhur City
Hana Indonesia (2022-sekarang/present) Workshop
10-Jul-23 28-Jul-23 Business English E4B (English for Mangkuluhur City
Communication Training Business)
22-Sep-23 22-Sep-23 Talent Program 2022 Park Jong Jin & Head Office & Hotel
- Talent Engagement Dino Patti Djalal Westin - Jakarta
Program
21-Nov-23 21-Nov-23 Operational Excellence for SHIFT Indonesia Hotel Westin
Business Sustainability &
Growth
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 549
Page 554
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
47 Hartatmi Branch Manager KC Solo 41 Indonesia Bachelor Degree,Teknik Sipil, Universitas Sebelas Maret
Pancawati Indonesian (1999)
48 Simon Branch Manager KC 38 Indonesia Bachelor Degree, Akuntansi, UKSW SALATIGA (2002)
Himawan Semarang Indonesian
Prabowo
550 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 555
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
Frontliner, PT Bank Danamon tbk (2004-2006) 15-Feb-23 15-Feb-23 Training Enhancement KEB Hana Branch Office
New Credit Policy & System
(Cash) Skill
Commercial Credit Analyst, PT Bank OCBC NISP Tbk 16-Feb-23 17-Feb-23 Business Workshop Lego Serious The Westin Hotel
(2006-2011) 2023 for SME & Sales Play
Distribution
Commercial Credit Analyst, PT Bank UOB indonesia 8-May-23 20-May-23 PPL WPPE-P - Mei 2023 TICMI E-Learning
(2011-2015)
SME Relationship Manager, PT Bank CIMB NIAGA 20-Jun-23 20-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
(2015-2017) 2023 Apps
Commercial Relationship Manager, PT Bank UOB 11-Aug-23 11-Aug-23 APU PPT untuk Cabang KEB Hana Branch Office
Indonesia (2017-2018)
Credit Manager ,Maybank Indonesia (2018-2020) 22-Aug-23 22-Aug-23 Refresher - Fraud KEB Hana E-Learning Mobile
Risk Awareness 2023 Apps
(E-Learning Mobile Apps)
Branch Manager , PT Bank Mega (2020-2022) 27-Jul-23 27-Jul-23 Business Overview & KEB Hana Mangkuluhur City
Strategy H2 2023
Branch Manager KC Solo , PT Bank KEB Hana 24-Aug-23 6-Sep-23 Refreshment Internal KEB Hana E-Learning Mobile
Indonesia (2022-sekarang/present) Certification WM Products Apps
6-Oct-23 6-Oct-23 Integrity & Morality LEARNING Mangkuluhur City
Program RESOURCES
26-Oct-23 26-Oct-23 SME & Branch Monthly KEB Hana Mangkuluhur City
Meeting (Branch Strategy
Meeting)
27-Oct-23 27-Oct-23 Headquarter Compliance KEB Hana E-Learning Mobile
Training (Regulation Apps
Technology Training)
1-Nov-23 30-Nov-23 Headquarter Compliance KEB Hana E-Learning Mobile
Training (Measures to Apps
Innovate Bank Internal
Controls in Korea_English)
10-Nov-23 10-Nov-23 Training Strengthening KEB Hana Mangkuluhur City
Capabilities In Credit Policy
Relationship Officer ,Bank NISP (2007-2008) 15-Feb-23 15-Feb-23 Training Enhancement KEB Hana Branch Office
New Credit Policy & System
(Cash) Skill
Akuntansi dan Admin, PT Sinar Sejahtera Mandiri 16-Feb-23 17-Feb-23 Business Workshop Lego Serious The Westin Hotel
(2008-2010) 2023 for SME & Sales Play
Distribution
Akuntansi dan Admin, PT Marcelindo Jaya Pratama 15-Jun-23 15-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
(2010-2011) 2023 Apps
Sales Elektronik, PT Midea Planet Indonesia (2011) 28-Jul-23 28-Jul-23 APU PPT untuk Cabang KEB Hana Branch Office
Relationship Officer ,PT Bank UOB Indonesia (2011- 11-Sep-23 15-Sep-23 Refreshment Internal KEB Hana E-Learning Mobile
2014) Certification WM Products Apps
Relationship Officer ,PT Bank Rabobank International 10-Nov-23 10-Nov-23 Training Strengthening KEB Hana Mangkuluhur City
(2014) Capabilities In Credit Policy
Relationship Officer ,PT Bank BTPN (2014-2015) 17-Nov-23 17-Nov-23 Zero Defect Culture KEB Hana KEB Hana (Kantor
& Operational Risk Cabang)
Awareness Training for
Branches
SME Manager, Maybank Indonesia (2015-2020)
Branch Manager, PT Bank CIMB NIAGA Tbk (2020-
2022)
Branch Manager KC Semarang, PT Bank KEB Hana
Indonesia (2022-sekarang/present)
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 551
Page 556
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
49 Lisa Christiana Head of HC Business 51 Indonesia Diploma 3,Sekretaris, AKADEMI SEKRETARIS TARAKANITA
Partner and Talent Indonesian (1989)
Acquisition
50 Yan Harlan Branch Manager KC Bogor 37 Indonesia Diploma 3,Komunikasi Massa, SYDNEY BUSINESS
Sanjaya Padjajaran Indonesian INSTITUTE BUSINESS AND TECHNOLOGY (2002)
552 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 557
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
Executive Secretary, PT ASURANSI SUMITOMO 2-Feb-23 2-Feb-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
MARINE & POOL (1992-1993) Phase II
Executive Secretary, PT CHANDRA ASRI 14-Mar-23 14-Mar-23 Learning Session - FGD KEB Hana Mangkuluhur City
PETROCHEMICAL CENTER (1994-2001) Destroy SILO Group 10
Executive Secretary, PRICEWATERHOUSECOOPERS 30-May-23 30-May-23 Destroy SILO Concept KEB Hana Mangkuluhur City
(2001-2002) Training
Executive Secretary, PT CHANDRA ASRI 31-May-23 31-May-23 Learning Session - HC KEB Hana Mangkuluhur City
PETROCHEMICAL CENTER (2002-2010) Business Partner and
Talent Acquisition
Corp Reg Services Head & Business Partnert , PT 22-Jun-23 22-Jun-23 Sharing Session: Subdit Mangkuluhur City
Bank Danamon indonesia (2010-2013) Pengenalan Bentuk FISMONDEV
Kejahatan Kriminalitas Polda Metro
Lingkup Perbankan Jaya & Staff Ahli
(Mantan Kepada
PPATK) - Bp. Dr.
Yunus Husein
Talent Acquisition Head,Pt Bank Uob Indonesia 7-Jul-23 7-Jul-23 Hana Leadership Journey KEB Hana Mangkuluhur City
(2014) Workshop
Recruitment Head, PT Bank BTPN (2015-2017) 2-Sep-23 2-Sep-23 Refreshment APU PPT KEB Hana E-Learning Mobile
2023 Apps
Recruitment Head, PT Bank OCBC NISP Tbk (2017- 12-Sep-23 13-Sep-23 Pembekalan dan Uji PT Atma Jaya Mangkuluhur City
2022) Kompetensi BNSP Mitra Nusantara
Manajemen SDM - General
Manager
Head of HC Business Partner and Talent Acquisition, 22-Sep-23 22-Sep-23 Talent Program 2022 Park Jong Jin & Head Office & Hotel
PT Bank KEB Hana Indonesia (2022-sekarang/ - Talent Engagement Dino Patti Djalal Westin - Jakarta
present) Program
13-Oct-23 13-Oct-23 Integrity & Morality LEARNING E-Learning Mobile
Program RESOURCES Apps
Sub Branch Manager, PT Bank Sinarmas (2008-2010) 15-Feb-23 15-Feb-23 Training Enhancement KEB Hana Head Office & Hotel
New Credit Policy & System Westin - Jakarta
(Cash) Skill
Consumer Senior RM KCP Bogor Surya Kencana, PT 16-Feb-23 17-Feb-23 Business Workshop Lego Serious Mangkuluhur City
Bank KEB Hana Indonesia (2015-2016) 2023 for SME & Sales Play
Distribution
Wealth Manager KCP Bogor Surya Kencana,PT Bank 14-Jun-23 14-Jun-23 Refreshment APU PPT KEB Hana Mangkuluhur City
KEB Hana Indonesia (2016-2017) 2023
Branch Manager KCP Bogor Surya Kencana, PT Bank 22-Jun-23 22-Jun-23 Sharing Session: Subdit Mangkuluhur City
KEB Hana Indonesia (2017-2021) Pengenalan Bentuk FISMONDEV
Kejahatan Kriminalitas Polda Metro
Lingkup Perbankan Jaya & Staff Ahli
(Mantan Kepada
PPATK) - Bp. Dr.
Yunus Husein
Branch Manager KCP Cibubur (2021-2022) 14-Jul-23 14-Jul-23 PPL WAPERD - Juni 2023 Sekretariat Mangkuluhur City
Dewan APRDI
Branch Manager KC Bogor Padjajaran 22-Aug-23 22-Aug-23 Refresher - Fraud KEB Hana Mangkuluhur City
(2022-sekarang/present) Risk Awareness 2023
(E-Learning Mobile Apps)
25-Aug-23 25-Aug-23 SME & Sales Distribution KEB Hana E-Learning Mobile
Strategy Workshop Apps
27-Jul-23 27-Jul-23 Business Overview & KEB Hana Mangkuluhur City
Strategy H2 2023
24-Aug-23 6-Sep-23 Refreshment Internal KEB Hana Mangkuluhur City
Certification WM Products
26-Oct-23 26-Oct-23 SME & Branch Monthly KEB Hana Mangkuluhur City
Meeting (Branch Strategy
Meeting)
27-Oct-23 27-Oct-23 Business 2024 Target Plan KEB Hana Mangkuluhur City
17-Nov-23 17-Nov-23 Training Strengthening KEB Hana Mangkuluhur City
Capabilities In Credit Policy
Ritz Carlton Hotel
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 553
Page 558
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
51 Purnama Sidik Branch Manager KC 35 Indonesia Bachelor Degree Others MA CHUNG UNIVERSITY (2020)
Cilegon Permata Indonesian
52 Ferdy Yasin Branch Manager KC 44 Indonesia Bachelor Degree EKONOMI UNIVERSITAS ATMAJAYA
Makassar Indonesian (2003)
554 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 559
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
CONSUMER LOAN PT BANK COMMONWEALTH 2-Feb-23 2-Feb-23 Training Enhancement KEB Hana Branch Office
(2015-2017) New Credit Policy & System
(Cash) Skill
ASSISTANT MANAGER MORTGAGE PT BANK 20-Jun-23 20-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
DANAMON INDONESIA (2017-2019) 2023 Apps
Senior Consumer Lending Specialist PT. Bank KEB 13-Jul-23 13-Jul-23 Root Cause Analysis Rifki Rizal Mangkuluhur City
Hana Indonesia (2019-2019) Training Derrian
SME Senior Relationship Manager PT. Bank KEB 25-Aug-23 25-Aug-23 SME & Sales Distribution KEB Hana Mangkuluhur City
Hana Indonesia (2019-2023) Strategy Workshop
28-Aug-23 28-Aug-23 Refresher - Fraud KEB Hana Mangkuluhur City
Risk Awareness 2023
(E-Learning Mobile Apps)
26-Oct-23 26-Oct-23 SME & Branch Monthly KEB Hana Rainbow Hills
Meeting (Branch Strategy
Meeting)
10-Nov-23 10-Nov-23 Training Strengthening KEB Hana E-Learning Mobile
Capabilities In Credit Policy Apps
RELATIONSHIP MANAGER PT BANK PERMATA 20-Jan-23 20-Jan-23 Talent Program 2023 Maria Qibtiyah, Mangkuluhur City
(2009-2015) - Training Program for SE. As, ACC
Junior Talent: Managing
Team
PEMIMPIN DISTRIK PT BANK MASPION (2015-2016) 24-Jan-23 24-Jan-23 Talent Program 2023 - Helmy Yahya Mangkuluhur City
Coaching Program: Talent
Sharing Session
SME Team Leader PT Bank KEB Hana Indonesia 15-Feb-23 15-Feb-23 Training Enhancement KEB Hana Branch Office
(2016-2020) New Credit Policy & System
(Cash) Skill
Senior Relationship Manager PT. Bank KEB Hana 2-Feb-23 2-Feb-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
Indonesia (2020-2021) Phase II
Senior Relationship Manager Commercial Banking 16-Feb-23 17-Feb-23 Business Workshop Lego Serious The Westin Hotel
PT. Bank KEB Hana Indonesia (2022-2023) 2023 for SME & Sales Play
Distribution
Branch Manager KC Makassar PT. Bank KEB Hana 14-Apr-23 14-Apr-23 Talent Program 2023 - Dharma Mangkuluhur City
Indonesia (2023-sekarang/present) Coaching Program: Talent Simorangkir
Sharing Session periode
April
14-Jun-23 14-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
2023 Apps
22-Jun-23 22-Jun-23 Sharing Session: Subdit Mangkuluhur City
Pengenalan Bentuk FISMONDEV
Kejahatan Kriminalitas Polda Metro
Lingkup Perbankan Jaya & Staff Ahli
(Mantan Kepada
PPATK) - Bp. Dr.
Yunus Husein
27-Jul-23 27-Jul-23 Business Overview & KEB Hana Mangkuluhur City
Strategy H2 2023
1-Sep-23 1-Sep-23 APU PPT untuk Cabang KEB Hana Branch Office
3-Mar-23 3-Mar-23 HC Sharing Session: Pajak KEB Hana Mangkuluhur City
Penghasilan Pribadi PPh 21
31-Aug-23 31-Aug-23 Learning Session Laporan KEB Hana Mangkuluhur City
APOLO SDM OJK
26-Oct-23 26-Oct-23 SME & Branch Monthly KEB Hana Mangkuluhur City
Meeting (Branch Strategy
Meeting)
10-Nov-23 10-Nov-23 Training Strengthening KEB Hana Mangkuluhur City
Capabilities In Credit Policy
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 555
Page 560
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
53 Vonny Irawan Head of Transaction 62 Indonesia Masters Degree(S2) Business Administration UNIVERSITY
Banking and Partnership Indonesian OF SOUTHERN CALIFORNIA (2021)
54 Yorika Head of Tax 45 Indonesia Masters Degree(S2) N/A UNIVERSITAS BINA NUSANTARA
Indonesian (2005)
55 OCTAVIANUS Head of Technology 39 Indonesia Masters Degree(S2) MAGISTER MANAJEMEN
MICHAEL Product Development Indonesian UNIVERSITAS PRASETIYA MULYA (2016)
DJOHAN
56 LEE IN JOON Head of Global Marketing 1 44 Korea Selatan Bachelor Degree Others HANKUK UNIVERSITY OF
South Korean FOREIGN STUDIES (2005)
57 FAISAL ASWIN Head of Commercial 59 Indonesia Masters Degree(S2) MAGISTER MANAJEMEN
TAMBAYONG Banking Indonesian UNIVERSITAS MERCU BUANA (2015)
58 OKTAVIN Branch Manager KC 42 Indonesia Bachelor Degree EKONOMI UNIVERSITAS HASANUDDIN
DATU M Makassar Indonesian (2005)
SAMPETODING
556 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 561
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
HEAD OF COMMERCIAL BANKING CLIENT 4-Feb-23 8-Apr-23 Certificate for Specialists ICC Indonesia Mangkuluhur City
SOLUTION PT BANK CIMB NIAGA (2011-2020) in Demand Guarantees
(CSDG)
CHIEF RETAIL BANKING BANK INA (2020-2021) 2-Feb-23 2-Feb-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
Phase II
Head of Transaction Banking PT. Bank KEB Hana 16-Feb-23 17-Feb-23 Business Workshop Lego Serious The Westin Hotel
Indonesia (2021-2023) 2023 for SME & Sales Play
Distribution
Head of Transaction Banking and 19-Jun-23 19-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
Partnership(2023-2023) 2023 Apps
7-Jul-23 7-Jul-23 Hana Leadership Journey KEB Hana Mangkuluhur City
Workshop
29-Jul-23 16-Sep-23 Certified International ICC Indonesia Mangkuluhur City
Trade Finance (CITF)
22-Sep-23 22-Sep-23 Talent Program 2022 Park Jong Jin & Head Office & Hotel
- Talent Engagement Dino Patti Djalal Westin - Jakarta
Program
Tax Compliances & Controlling Specialist PT BANK 1-Nov-23 30-Nov-23 Self Leadership to Develop Remaja E-Learning Mobile
DANAMON INDONESIA (2011-2013) Personal Capability Tampubolon Apps
HEAD OF FINANCIAL PLANNING UNIT MUFG BANK
(2014-2023)
TAX HEAD PT BANK SEABANK INDONESIA
(2023-2023)
Head of Tax PT. Bank KEB Hana Indonesia
(2023 - sekarang/present)
Kepala Biro (VP) System Development & Solution for - - - -
PT. BANK CENTRAL ASIA, TBK (2007-2021)
API & Payment Product Dept Head PT. BANK OCBC - - - -
NISP Tbk. (2021-2023)
Head of Technology Product Development PT.Bank - - - -
KEB Hana Indonesia (2023-sekarang/present)
RESEARCH OFFICER HANA BANK KOREA (2012-2019) - - - -
Global Marketing Division 1 Head PT. Bank KEB Hana - - - -
Indonesia (2019-2021)
Head of Global Marketing 1 PT. Bank KEB Hana - - - -
Indonesia (2021-2023)
BRANCH MANAGER BANK NIAGA (1997-2000) - - - -
HEAD OF PRODUCTS BANK ABN AMRO (2001-2007) - - - -
HEAD OF PRODUCTS RBS BANK (2008-2009) - - - -
HEAD OF BUSINESS BANKING BANK ANZ (2010-2011)
HEAD OF BUSINESS BANKING TRANSFORMATION
PT BANK CIMB NIAGA (2012-2022)
Head of Commercial Banking PT. Bank KEB Hana
Indonesia (2022-2023)
MDP PT BANK INTL INDONESIA (2006-2006) - - - -
COMMERCIAL OFFICER PT BANK INTL INDONESIA - - - -
(2006-2009)
HOME LOAN MANAGER PT BANK INTL INDONESIA - - - -
(2009-2011)
COMMERCIAL MANAGER PT BANK UOB (2011-2012)
BUSINESS MANAGER PT BANK QNB KESAWAN
(2012-2013)
COMMERCIAL MANAGER PT BANK OCBC NISP (2013-
2014)
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 557
Page 562
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
59 LEE YONG TAEK Head of Credit Review 41 Korea Selatan Bachelor Degree Business Administration
South Korean SUNGKYUNKWAN UNIVERSITY (2009)
50 LIM SEONG Head of Strategy Planning 42 Korea Selatan Bachelor Degree Science CHUNG-ANG UNIVERSITY
DONG South Korean (2008)
61 ERICK LOUIS SME Senior Relationship 30 Indonesia Bachelor Degree HUKUM UNIV ESA UNGGUL (2015)
Manager merangkap Indonesian
sementara Branch
Manager KC Cilegon
Permata
558 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 563
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
AREA COMMERCIAL BANKING PT BANK MEGA
(2014-2015)
SME Branch Manager KC Makassar PT. Bank KEB
Hana Indonesia (2017-2019)
Branch Manager KC Makassar PT. Bank KEB Hana
Indonesia (2019-2023)
CORPORATE BRANCH HANA BANK KOREA (2009- 30-Mar-23 31-Aug-23 Indonesian Language SIB School of Mangkuluhur City
2013) Course for Expatriates Language
GLOBAL BUSINESS KEB HANA BANK KOREA (2013- 1-Apr-23 1-Apr-23 Expatriate Workshop Q1 KEB Hana Rainbow Hills
2019) 2023
Credit Review 1 Division Head PT. Bank KEB Hana
Indonesia (2019-2022)
Head of Credit Review 1 PT. Bank KEB Hana
Indonesia (2022-2022)
Head of Credit Review PT. Bank KEB Hana Indonesia
(2022-2023)
CORPORATE PLANNING MANAGEMENT KEB HANA 1-Apr-23 1-Apr-23 Expatriate Workshop Q1 KEB Hana Rainbow Hills
BANK KOREA (2011-2017) 2023
MANAGEMENT SUPPORT TEAM HANA FINANCIAL 16-Jun-23 16-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
GROUP (2018-2018) 2023 Apps
GLOBAL BUSINESS GROUP KEB HANA BANK KOREA
(2018-2019)
IT E-Business and Corporate Planning Division Head
PT. Bank KEB Hana Indonesia (2019-2020)
Strategy Planning Division Head PT. Bank KEB Hana
Indonesia (2020-2021)
Head of Strategy Planning PT. Bank KEB Hana
Indonesia (2021-2023)
RM SME SENIOR PT. BANK PERMATA (2015-2018) 20-Jan-23 20-Jan-23 Talent Program 2023 Maria Qibtiyah, Mangkuluhur City
- Training Program for SE. As, ACC
Junior Talent: Managing
Team
SME Senior Relationship Manager KCP Gading 17-Jan-23 17-Jan-23 Talent Program 2023 - KEB Hana Mangkuluhur City
Serpong PT. Bank KEB Hana Indonesia (2018-2021 Coaching Program: BOD
Talk 2023
SME 3 Senior Relationship Manager 4 PT. Bank KEB 15-Feb-23 15-Feb-23 Training Enhancement KEB Hana Branch Office
Hana Indonesia (2021-2023) New Credit Policy & System
(Cash) Skill
Branch Manager KCP Muara Karang PT. Bank KEB 2-Feb-23 2-Feb-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
Hana Indonesia (2023-sekarang/present) Phase II
16-Feb-23 17-Feb-23 Business Workshop Lego Serious The Westin Hotel
2023 for SME & Sales Play
Distribution
14-Apr-23 14-Apr-23 Talent Program 2023 - Dharma Mangkuluhur City
Coaching Program: Talent Simorangkir
Sharing Session periode
April
20-Jun-23 20-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
2023 Apps
22-Jun-23 22-Jun-23 Sharing Session: Subdit Mangkuluhur City
Pengenalan Bentuk FISMONDEV
Kejahatan Kriminalitas Polda Metro
Lingkup Perbankan Jaya & Staff Ahli
(Mantan Kepada
PPATK) - Bp. Dr.
Yunus Husein
8-Jul-23 5-Aug-23 Certified Financial Planner Solusi Edukasi Mangkuluhur City
(CFP) Asia
13-Jul-23 13-Jul-23 Root Cause Analysis Rifki Rizal Mangkuluhur City
Training Derrian
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 559
Page 564
Profil
Profile
Nama
No Posisi di Bank KEB Hana
Name Usia (Tahun) Kewarganegaraan Riwayat Pendidikan
Position at
Age (Years) Citizen Education Background
Bank KEB Hana
62 HILDA Head of Funding Product 44 Indonesia Bachelor Degree Others PARAHYANGAN CATHOLIC
LIMYANTON and Digital Marketing Indonesian UNIVERSITY (2003)
63 HAN CHANG Head of Global Marketing 4 41 Korea Selatan Bachelor Degree BACHELOR ARTS KOREA UNIVERSITY
HEE South Korean (2005)
560 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 565
Pendidikan dan/atau pelatihan tahun 2023
Education and/or training in 2023
Pengalaman Kerja Tanggal Tanggal (end) Pelatihan Penyelenggara Tempat
Work Experience Dated Dated Training Organizer Place
25-Aug-23 25-Aug-23 SME & Sales Distribution KEB Hana Mangkuluhur City
Strategy Workshop
14-Mar-23 14-Mar-23 Internal Certification WM KEB Hana E-Learning Mobile
Products (E-Learning Apps
Mobile Apps)
22-Sep-23 22-Sep-23 Talent Program 2022 Park Jong Jin & Head Office & Hotel
- Talent Engagement Dino Patti Djalal Westin - Jakarta
Program
26-Oct-23 26-Oct-23 SME & Branch Monthly KEB Hana Mangkuluhur City
Meeting (Branch Strategy
Meeting)
17-Nov-23 17-Nov-23 Training Strengthening KEB Hana Mangkuluhur City
Capabilities In Credit Policy
THE BANCASURRANCE &OVERDRAFT PRODUCT 11-Jan-23 11-Jan-23 Talent Program 2023 - KEB Hana Mangkuluhur City
MANAGER PT BANK NIAGA Tbk (2003-2007) Coaching Program: BOD
Talk 2023
ONSHORE INVESTMENT PRIDUCT MANAGER PT BII 19-Jan-23 19-Jan-23 Talent Program 2023 Coaching Mangkuluhur City
Tbk (2007-2009) - Training Program for Indonesia
Senior Talent: Coaching
Skills
PRODUCT MANAGER STANDARD CHARTERED BANK 24-Jan-23 24-Jan-23 Talent Program 2023 - Helmy Yahya Mangkuluhur City
(2009-2011) Coaching Program: Talent
Sharing Session
DEBIT CARD PRODUCT DEVELOPMENT HEAD PT 25-Jan-23 25-Jan-23 Basic APU PPT (E-Learning KEB Hana E-Learning Mobile
CIMB NIAGA (2011-2013) Mobile Apps) Apps
SEGMENT ACQUISITION & PORTOFOLIO HEAD 24-Feb-23 24-Feb-23 Talent Program 2023 PT. NalarPrima Mangkuluhur City
CITIBANK N.A (2013-2018) - Training Program for Lentera
Senior Talent: Negotiation Indonesia
Skills
FUNDING BUSINESS HEAD PT MAYBANK 1-Feb-23 30-Jun-23 Environmental, Social CFI (Corporate Mangkuluhur City
INDONESIA (2018-2019) & Governance (ESG) Finance
Specialization Institute)
Deposit Product Head PT. Bank KEB Hana Indonesia 2-Feb-23 2-Feb-23 FGD Destroy SILO Cases KEB Hana Mangkuluhur City
(2019-2020) Phase II
Head of Funding Product PT. Bank KEB Hana 14-Apr-23 14-Apr-23 Talent Program 2023 - Dharma Mangkuluhur City
Indonesia (2020-2020) Coaching Program: Talent Simorangkir
Sharing Session periode
April
Head of Funding Product and Digital Marketing PT. 17-May-23 17-May-23 Strengthening Leadership PT Bintang Mangkuluhur City
Bank KEB Hana Indonesia (2020-2023) Capabilities for Consumer Talenta Utama
Banking Leaders (Bitama)
16-May-23 16-May-23 WhatsApp Business for Meta (Facebook) Ritz Carlton Hotel
Product Marketing: Meta
(Facebook)
14-Jun-23 14-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
2023 Apps
7-Jun-23 7-Jun-23 Talent Program 2023: KEB Hana Mangkuluhur City
Mentor Sharing Periode
Maret - Juni 2023
22-Jun-23 22-Jun-23 Sharing Session: Subdit Mangkuluhur City
Pengenalan Bentuk FISMONDEV
Kejahatan Kriminalitas Polda Metro
Lingkup Perbankan Jaya & Staff Ahli
(Mantan Kepada
PPATK) - Bp. Dr.
Yunus Husein
FUTURE FINANCE STRATEGY TEAM KEB HANA BANK 29-Mar-23 22-Aug-23 Indonesian Language SIB School of Mangkuluhur City
KOREA (2008-2017) Course for Expatriates Language
FUTURE FINANCE STRATEGY TEAM HANA 1-Apr-23 1-Apr-23 Expatriate Workshop Q1 KEB Hana Rainbow Hills
FINANCIAL GROUP (2018-2019) 2023
GLOBAL BUSINESS GROUP KEB HANA BANK KOREA 19-Jun-23 19-Jun-23 Refreshment APU PPT KEB Hana E-Learning Mobile
(2019-2019) 2023 Apps
8-Jul-23 8-Jul-23 Expatriate Workshop Q3 KEB Hana Cengkareng
2023
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 561
Page 566
Tanggung Jawab Laporan Tahunan
Annual Report Responsibility
Surat Pernyataan Anggota Dewan Komisaris dan Anggota Direksi tentang
Tanggung Jawab atas Laporan Tahunan 2023 PT Bank KEB Hana Indonesia
Statement of Members of the Board of Commissioners and the Board of Directors
on the Responsibility for the 2023 Annual Report of PT Bank KEB Hana Indonesia
Kami, yang bertanda tangan di bawah ini, We, the undersigned, hereby declare that the 2023
menyatakan bahwa semua informasi dalam Laporan Annual Report of PT Bank KEB Hana Indonesia has
Tahunan PT Bank KEB Hana Indonesia tahun 2023 already contained complete information and we
telah dimuat secara lengkap dan bertanggung shall be fully responsible for the correctness of the
jawab penuh atas kebenaran isi Laporan Tahunan Bank’s Annual Report content.
Bank.
Demikian pernyataan ini dibuat dengan sebenarnya. This statement is hereby made in all truthfulness.
Jakarta, April 2024
Dewan Komisaris,
Board of Commissioners,
Eka Noor Asmara Sungwhan Lee Dino Patti Djalal
Komisaris Independen Komisaris Utama Komisaris Independen
Independent Commissioner President Commissioner Independent Commissioner
Direksi
Board of Directors,
Bayu Wisnu Wardhana Jong Jin Park Sang Keun Kwak
Direktur Kepatuhan dan Legal Direktur Utama Direktur Teknologi Informasi
Compliance & Legal Director President Director Information Technology Director
Ratna Ningsih Seong Hyeok Mun Geoffry Nugraha
Direktur Kredit Direktur Keuangan Direktur Bisnis
Credit Director Finance Director Business Director
562 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 567
Referensi SEOJK
Nomor 16/SEOJK.04/2021: Laporan Tahunan Emiten atau Perusahaan Publik
SEOJK No. 16/SEOJK.04/2021: Annual Report of Public Company
Halaman
No. Keterangan Description
Page
I. Ketentuan Umum I. General Provision
1. Dalam Surat Edaran Otoritas Jasa Keuangan ini 1. In this Financial Services Authority Circular
yang dimaksud dengan: Letter what is meant by:
a. Laporan Tahunan adalah laporan a. The Annual Report is a report on the Board
pertanggungjawaban Direksi dan Dewan of Directors and Board of Commissioners
Komisaris dalam melakukan pengurusan accountability in managing and
dan pengawasan terhadap emiten supervising issuers or public companies
atau perusahaan publik dalam kurun within a period of 1 (one) fiscal year to the
waktu 1 (satu) tahun buku kepada rapat √ general meeting of shareholders prepared
umum pemegang saham yang disusun based on the provisions of the Financial
berdasarkan ketentuan dalam Peraturan Services Authority Regulation concerning
Otoritas Jasa Keuangan mengenai Laporan the Annual Report of issuers or public
Tahunan emiten atau perusahaan publik. companies
b. Emiten adalah pihak yang melakukan b. Issuers are parties who make public
√
penawaran umum. offerings
c. Perusahaan Publik adalah perseroan yang c. A Public Company is a company whose
sahamnya telah dimiliki paling sedikit shares are owned by at least 300 (three
oleh 300 (tiga ratus) pemegang saham hundred) shareholders and has a paid-
dan memiliki modal disetor paling sedikit up capital of at least Rp3,000,000,000.00
√
Rp3.000.000.000,00 (tiga miliar rupiah) (three billion rupiah) or a number of
atau suatu jumlah pemegang saham shareholders and paid-up capital as
dan modal disetor yang ditetapkan oleh determined by the Financial Services
Otoritas Jasa Keuangan. Authority
d. Perusahaan Terbuka adalah Emiten yang d. A Public Company is an Issuer that has
telah melakukan penawaran umum efek √ made a public offering of equity securities
bersifat ekuitas atau Perusahaan Publik. or a Publically- listed Company
e. Laporan Keberlanjutan (Sustainability e. A Sustainability Report is a report
Report) adalah laporan yang diumumkan published to the public that contains
kepada masyarakat yang memuat kinerja the economic, financial, social, and
ekonomi, keuangan, sosial, dan lingkungan √ environmental performance of a financial
hidup suatu lembaga jasa keuangan, service institution, Issuer, and Public
Emiten, dan Perusahaan Publik dalam Company in running a sustainable
menjalankan bisnis berkelanjutan. business
f Direksi: f Board of Directors:
1) bagi Emiten atau Perusahaan Publik 1) For an Issuer or a Public Company in
berbentuk badan hukum perseroan the form of a limited liability company,
terbatas adalah Direksi sebagaimana it is the Board of Directors as referred
dimaksud dalam Peraturan Otoritas √ to in the Financial Services Authority
Jasa Keuangan mengenai Direksi Regulation concerning the Board of
dan Dewan Komisaris Emiten atau Directors and Board of Commissioners
Perusahaan Publik; dan of an Issuer or Public Company; and
2) bagi Emiten atau Perusahaan Publik 2) For an Issuer or a Public Company in
berbentuk badan hukum selain the form of a legal entity other than a
perseroan terbatas adalah organ limited liability company, it is the body
yang melaksanakan pengurusan that carries out the management of
√
badan hukum tersebut sebagaimana the legal entity as referred to in the
dimaksud dalam peraturan laws and regulations concerning the
perundang- undangan mengenai legal entity.
badan hukum tersebut.
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 563
Page 568
Halaman
No. Keterangan Description
Page
g. Dewan Komisaris: g. Board of Commissioners:
1) bagi Emiten atau Perusahaan Publik 1) For an Issuer or a Public Company in
berbentuk badan hukum perseroan the form of a limited liability company,
terbatas adalah Dewan Komisaris the Board of Commissioners as
sebagaimana dimaksud dalam referred to in the Financial Services
√
Peraturan Otoritas Jasa Keuangan Authority Regulation concerning
mengenai Direksi dan Dewan the Board of Directors and Board of
Komisaris Emiten atau Perusahaan Commissioners of an Issuer or Public
Publik; dan Company; and
2) bagi Emiten atau Perusahaan Publik 2) For the Issuer or Public Company in
berbentuk badan hukum selain the form of a legal entity other than a
perseroan terbatas adalah organ yang limited liability company, it is the body
melakukan pengawasan badan hukum that supervises the legal entity as
√
tersebut sebagaimana dimaksud referred to in the laws and regulations
dalam peraturan perundang- concerning the legal entity.
undangan mengenai badan hukum
tersebut.
h. Rapat Umum Pemegang Saham yang h. General Meeting of Shareholders
selanjutnya disingkat RUPS: hereinafter abbreviated as GMS:
1) bagi Emiten atau Perusahaan Publik 1) For an Issuer or a Public Company
berbentuk badan hukum perseroan in the form of a limited liability
terbatas adalah RUPS sebagaimana company, it is the GMS as referred to
dimaksud dalam Peraturan Otoritas in the Financial Services Authority
√
Jasa Keuangan mengenai Rencana Regulation concerning the Planning
dan Penyelenggaraan Rapat Umum and Organizing of the General
Pemegang Saham Perusahaan Meeting of Shareholders of a Public
Terbuka; dan Company; and
2) bagi Emiten atau Perusahaan Publik 2) For an Issuer or Public Company in
berbentuk badan hukum selain the form of a legal entity other than
perseroan terbatas adalah organ a limited liability company, it is the
yang mempunyai wewenang yang body that has authority that is not
tidak diberikan kepada organ yang given to any other body that carries
melaksanakan fungsi pengurusan √ out management and supervisory
dan fungsi pengawasan, dalam batas functions, within the limits specified
yang ditentukan dalam peraturan in the legislation and/or articles of
perundang-undangan dan/atau association governing the legal entity.
anggaran dasar yang mengatur badan
hukum tersebut.
2. Laporan Tahuna Emiten atau Perusahaan Publik 2. The Annual Report of Issuers or Public
merupakan sumber informasi penting bagi Companies is an important source of
investor atau pemegang saham sebagai salah information for investors or shareholders as
satu dasar pertimbangan dalam pengambilan √ one of the basic considerations in making
keputusan investasi dan sarana pengawasan investment decisions and a means of
terhadap Emiten atau Perusahaan Publik. supervision of Issuers or Public Companies.
3. Seiring dengan perkembangan pasar modal 3. Along with the development of the capital
dan meningkatnya kebutuhan investor atau market and the increasing need for information
pemegang saham atas keterbukaan informasi, disclosure by investors or shareholders,
Direksi dan Dewan Komisaris dituntut untuk the Board of Directors and the Board of
√
menyajikan informasi yang berkualitas, akurat, Commissioners are required to present
dan akuntabel melalui Laporan Tahunan Emiten quality, accurate, and accountable information
atau Perusahaan Publik. through the Annual Reports of Issuers or Public
Companies.
4. Laporan Tahunan yang disusun secara teratur 4. Annual Reports that are prepared regularly
dan informatif dapat memberikan kemudahan and informatively can provide convenience for
bagi investor atau pemegang saham dan √ investors or shareholders and stakeholders in
pemangku kepentingan dalam memperoleh obtaining the required information.
informasi yang dibutuhkan.
5 Surat Edaran Otoritas Jasa Keuangan ini 5 This Financial Services Authority Circular is a
merupakan pedoman bagi Emiten atau guideline for Issuers or Public Companies that
Perusahaan Publik yang wajib diterapkan dalam √ must be applied in preparing Annual Reports
menyusun Laporan Tahunan dan Laporan and Sustainability Reports.
Keberlanjutan.
564 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
Page 569
Halaman
No. Keterangan Description
Page
II. Bentuk Laporan Tahunan II. Format of Annual Report
1. Laporan Tahunan disajikan dalam bentuk 1. Annual Report should be presented in the
dokumen cetak dan salinan dokumen √ printed format and in electronic document
elektronik. copy..
2. Laporan Tahunan yang disajikan dalam bentuk 2. The printed version of the Annual Report
dokumen cetak, dicetak pada kertas yang should be printed on light-colored paper of
berwarna terang, berkualitas baik, berukuran √ fine quality, in A4 size, bound and can be
A4, dijilid, dan dapat diperbanyak dengan reproduced in good quality.
kualitas yang baik.
3. Laporan Tahunan dapat menyajikan informasi 3. The Annual Report may present information
berupa gambar, grafik, tabel, dan/atau diagram in the form of pictures, graphs, tables, and/
dengan mencantumkan judul dan/atau √ or diagrams by including clear titles and/or
keterangan yang jelas, sehingga mudah dibaca descriptions, so that they are easy to read and
dan dipahami. understand.
4. Laporan Tahunan yang disajikan dalam bentuk 4. The Annual Report presented in electronic
salinan dokumen elektronik merupakan document format is the Annual Report
√
Laporan Tahunan yang dikonversi dalam format converted into pdf format.
pdf.
III. Isi Laporan Tahunan III. Content Of Annual Report
1. Laporan Tahunan paling sedikit memuat 1. Annual Report should contain at least the
informasi mengenai: following information:
a. Ikhtisar data keuangan penting; 10 a. Summary of key financial information;
b. Informasi saham (jika ada); 13 b. Stock information (if any);
c. Laporan Direksi; 30 c. The Board of Directors report;
d. Laporan Dewan Komisaris; 22 d. The Board of Commissioners report;
e. Profil Emiten atau Perusahaan Publik; 48 e. Profile of Issuer or Public Company;
f. Analisis dan pembahasan manajemen; 99 f. Management discussion and analysis;
g. Tata kelola Emiten atau Perusahaan Publik; g. Corporate governance applied by the Issuer
298
or Public Company;
h. Tanggung jawab sosial dan lingkungan h. Corporate social and environmental
Emiten atau Perusahaan Publik; 448 responsibility of the Issuer or Public
Company;
i. Laporan keuangan tahunan yang telah i. Audited annual report; and
589
diaudit; dan
j. Surat pernyataan anggota Direksi dan j. Statement that the Board of Directors
anggota Dewan Komisaris tentang 562 and the Board of Commissioners are fully
tanggung jawab atas Laporan Tahunan; responsible for the Annual Report;
2. Uraian Isi Laporan Tahunan 2. Description of Content of Annual Report
a. Ikhtisar Data Keuangan Penting a. Summary of Key Financial Information
Ikhtisar Data Keuangan Penting memuat Summary of Key Financial Information
informasi keuangan yang disajikan dalam contains financial information presented
bentuk perbandingan selama 3 (tiga) tahun in comparison with previous 3 (three) fiscal
buku atau sejak memulai usahanya jika 10 years or since commencement of business
Emiten atau Perusahaan Publik tersebut if the Issuers or the Public Company
menjalankan kegiatan usahanya kurang dari commencing the business less than 3
3 (tiga) tahun, paling sedikit memuat: (three) years, at least contain:
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 565
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1) pendapatan/penjualan; 1) income/sales;
2) laba bruto; 2) gross profit;
3) laba (rugi); 3) profit (loss);
4) jumlah laba (rugi) yang dapat 4) total profit (loss) attributable to equity
diatribusikan kepada pemilik 10 holders of the parent entity and non-
entitas induk dan kepentingan non controlling interest;
pengendali;
5) total laba (rugi) komprehensif; 5) total comprehensive profit (loss);
6) jumlah laba (rugi) komprehensif yang 6) total comprehensive profit (loss)
dapat diatribusikan kepada pemilik attributable to equity holders of the
entitas induk dan kepentingan non parent entity and non controlling
pengendali; interest;
7) laba (rugi) per saham; 7) earning (loss) per share;
8) jumlah aset; 8) total assets;
9) jumlah liabilitas; 9) total liabilities;
10) jumlah ekuitas; 10) total equities;
11) rasio laba (rugi) terhadap jumlah aset; 11) profit (loss) to total assets ratio;
12) rasio laba (rugi) terhadap ekuitas; 12) profit (loss) to equities ratio;
13) rasio laba (rugi) terhadap pendapatan/ 13) profit (loss) to income ratio;
penjualan;
10
14) rasio lancar; 14) current ratio;
15) rasio liabilitas terhadap ekuitas; 15) liabilities to equities ratio;
16) rasio liabilitas terhadap jumlah aset; 16) liabilities to total assets ratio; and
dan
17) informasi dan rasio keuangan 17) other information and financial
lainnya yang relevan dengan Emiten ratios relevant to the Issuer or Public
atau Perusahaan Publik dan jenis Company and type of industry;
industrinya;
b. Informasi Saham b. Stock Information
Informasi Saham (jika ada) paling sedikit Stock Information (if any) at least contains:
memuat:
1) saham yang telah diterbitkan untuk 1) shares issued for each three-month
setiap masa triwulan (jika ada) yang period in the last 2 (two) fiscal years (if
disajikan dalam bentuk perbandingan any), at least covering:
selama 2 (dua) tahun buku terakhir,
paling sedikit meliputi:
a) jumlah saham yang beredar; a) number of outstanding shares;
b) kapitalisasi pasar berdasarkan b) market capitalization based on
harga pada Bursa Efek tempat the price at the Stock Exchange
saham dicatatkan; where the shares listed on;
13
c) harga saham tertinggi, terendah, c) highest share price, lowest share
dan penutupan berdasarkan price, closing share price at the
harga pada Bursa Efek tempat Stock Exchange where the shares
saham dicatatkan; dan listed on; and
d) volume perdagangan pada Bursa d) share volume at the Stock
Efek tempat saham dicatatkan; Exchange where the shares listed
on;
Informasi pada huruf a) diungkap oleh Information in point a) should be
Emiten yang merupakan Perusahaan disclosed by the Issuer, the public
Terbuka yang sahamnya tercatat company whose shares is listed or not
maupun tidak tercatat di Bursa Efek; listed in the Stock Exchange;
Informasi pada huruf b), c), dan huruf Information in point b), point c), and
d) hanya diungkapkan jika Emiten point d) only be disclosed if the Issuer
merupakan Perusahaan Terbuka dan is a public company whose shares is
sahamnya tercatat di Bursa Efek; listed in the Stock Exchange;
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2) dalam hal terjadi aksi korporasi, 2) in the event of corporate actions,
seperti pemecahan saham (stock including stock split, reverse stock,
split), penggabungan saham (reverse dividend, bonus share, and change
stock), dividen saham, saham bonus, in par value of shares, then the share
dan perubahan nilai nominal saham, price referred to in point 1), should be
informasi saham sebagaimana added with explanation on:
dimaksud pada angka 1) ditambahkan
penjelasan paling sedikit mengenai:
a) tanggal pelaksanaan aksi a) date of corporate action;
korporasi;
b) rasio pemecahan saham (stock b) stock split ratio, reverse stock,
split), penggabungan saham dividend, bonus shares, and
(reverse stock), dividen saham, change in par value of shares;
saham
c) jumlah saham beredar sebelum c) number of outstanding shares
dan sesudah aksi korporasi; dan prior to and after corporate
action; and
d) jumlah efek konversi yang d) The number of convertible
dilaksanakan (jika ada); dan securities exercised (if any); and
e) harga saham sebelum dan e) share price prior to and after
sesudah aksi korporasi; 13 corporate action;
3) dalam hal terjadi penghentian 3) in the event that the company’s shares
sementara perdagangan saham were suspended and/or delisted from
(suspension), dan/atau penghapusan trading during the year under review,
pencatatan saham (delisting) then the Issuers or Public Company
dalam tahun buku, Emiten atau should provide explanation on the
Perusahaan Publik menjelaskan reason for the suspension and/or
alasan penghentian sementara delisting; and
perdagangan saham (suspension) dan/
atau penghapusan pencatatan saham
(delisting) tersebut; dan
4) dalam hal penghentian sementara 4) in the event that the suspension and/
perdagangan saham (suspension) dan/ or delisting as referred to in point 3)
atau penghapusan pencatatan saham was still in effect until the date of the
(delisting) sebagaimana dimaksud Annual Report, then the Issuer or the
pada angka 3) masih berlangsung Public Company should also explain
hingga akhir periode Laporan Tahunan, the corporate actions taken by the
Emiten atau Perusahaan Publik company in resolving the suspension
menjelaskan tindakan yang dilakukan and/or delisting;
untuk menyelesaikan penghentian
sementara perdagangan saham
(suspension) dan/atau penghapusan
pencatatan saham (delisting) tersebut;
c. Laporan Direksi c. The Board of Directors Report
Laporan Direksi paling sedikit memuat: The Board of Directors Report should at
least contain the following items:
30
1) uraian singkat mengenai kinerja 1) the performance of the Issuer or
Emiten atau Perusahaan Publik, paling Public Company, at least covering:
sedikit meliputi:
a) strategi dan kebijakan strategis a) strategy and strategic policies of
33
Emiten atau Perusahaan Publik; the Issuer or Public Company;
b) peranan Direksi dalam b) Role of the Board of Directors
perumusan strategi dan in formulating strategies and
36-37
kebijakan strategis Emiten atau strategic policies of Issuers or
Perusahaan Publik; Public Companies;
c) proses yang dilakukan Direksi c) Process carried out by the
untuk memastikan implementasi Board of Directors to ensure the
38
strategi Emiten atau Perusahaan implementation of the Issuer’s or
Publik; Public Company’s strategy;
d) perbandingan antara hasil yang d) comparison between
dicapai dengan yang ditargetkan; 38 achievement of results and
dan targets; and
e) kendala yang dihadapi Emiten e) challenges faced by the Issuer or
39
atau Perusahaan Publik; Public Company;
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 567
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2) gambaran tentang prospek usaha; 40-42 2) description on business prospects;
3) penerapan tata kelola Emiten atau 3) implementation of good corporate
Perusahaan Publik; dan 42 governance by Issuer or Public
Company; and
4) perubahan komposisi anggota Direksi 4) changes in the composition of the
dan alasan perubahannya (jika ada); 44 Board of Directors and the reason
behind (if any);
d. Laporan Dewan Komisaris d. The Board of Commissioners Report
Laporan Dewan Komisaris paling sedikit 22 The Board of Commissioners Report should
memuat: at least contain the following items:
1) Penilaian terhadap kinerja Direksi 1) Assessment on the performance of
mengenai pengelolaan Emiten atau 24-25 the Board of Directors in managing
Perusahaan Publik; the Issuer or the Public Company;
2) Pengawasan terhadap implementasi 2) Supervision on the implementation
strategi Emiten atau Perusahaan 25 of the strategy of the Issuer or Public
Publik; Company;
3) Pandangan atas prospek usaha Emiten 3) View on the business prospects of
atau Perusahaan Publik yang disusun 26 the Issuer or Public Company as
oleh Direksi; established by the Board of Directors;
4) Pandangan atas penerapan tata kelola 4) View on the implementation of the
Emiten atau Perusahaan Publik; 26-27 corporate governance by the Issuer or
Public Company;
5) Perubahan komposisi anggota Dewan 5) Changes in the composition of the
Komisaris dan alasan perubahannya 28-29 Board of Commissioners and the
(jika ada); dan reason behind (if any); and
e. Profil Emiten atau Perusahaan Publik e. Profile of the Issuer or Public Company
Profil Emiten atau Perusahaan Publik paling 46 Profile of the Issuer or Public Company
sedikit memuat: should cover at least:
1) Nama Emiten atau Perusahaan Publik 1) Name of Issuer or Public Company,
termasuk apabila terdapat perubahan including change of name, reason
nama, alasan perubahan, dan tanggal 48-49 of change, and the effective date of
efektif perubahan nama pada tahun the change of name during the year
buku; under review;
2) Akses terhadap Emiten atau 2) access to Issuer or Public Company,
Perusahaan Publik termasuk kantor including branch office or
cabang atau kantor perwakilan yang representative office, where public
memungkinkan masyarakat dapat can have access of information of
memperoleh informasi mengenai the Issuer or Public Company, which
Emiten atau Perusahaan Publik, include:
meliputi:
48
a) Alamat; a) Address;
b) Nomor telepon; b) Telephone number;
c) Nomor faksimile; c) Facsimile number;
d) Alamat surat elektronik; dan d) E-mail address; and
e) Alamat Situs Web; e) Website address;
3) Riwayat singkat Emiten atau 50-51 3) Brief history of the Issuer or Public
Perusahaan Publik; Company;
4) Visi dan misi Emiten atau Perusahaan 4) Vision and mission of the Issuer or
54-55
Publik; Public Company;
5) Kegiatan usaha menurut anggaran 5) Line of business according to the
dasar terakhir, kegiatan usaha yang latest Articles of Association, and types
56-60
dijalankan pada tahun buku, serta jenis of products and/or services produced;
barang dan/atau jasa yang dihasilkan;
6) Wilayah operasional Emiten atau 6) Operational area of the Issuer or Public
62-63; 98-99
Perusahaan Publik; Company
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7) Struktur organisasi Emiten atau 7) Structure of organization of the Issuer
Perusahaan Publik dalam bentuk or Public Company in chart form, at
bagan, paling sedikit sampai dengan least 1 (one) level below the Board of
64-65
struktur 1 (satu) tingkat di bawah Directors, with the names and titles;
Direksi, disertai dengan nama dan
jabatan;
8) daftar keanggotaan asosiasi industri 8) List of industry association
baik dalam skala nasional maupun memberships both on a national
internasional yang berkaitan dengan 61 and international scale related to
penerapan keuangan berkelanjutan the implementation of sustainable
finance;
9) Profil Direksi, paling sedikit memuat: 69-78 9) The Board of Directors profiles include:
a) Nama dan jabatan yang sesuai a) Name and short description of
dengan tugas dan tanggung 69-78 duties and functions;
jawab;
b) Foto terbaru; 69-78 b) Latest photograph;
c) Usia; 69-78 c) Age;
d) Kewarganegaraan; 69-78 d) Citizenship;
e) Riwayat pendidikan; 69-78 e) Education;
f) Riwayat jabatan, meliputi f) history position, covering
informasi: information on:
(1) Dasar hukum penunjukan (1) Legal basis for appointment
sebagai anggota Direksi pada as member of the Board of
69-78
Emiten atau Perusahaan Directors to the said Issuer or
Publik yang bersangkutan; Public Company;
(2) Rangkap jabatan, baik (2) Dual position, as member
sebagai anggota Direksi, of the Board of Directors,
anggota Dewan Komisaris, member of the Board of
69-78
dan/atau anggota komite Commissioners, and/or
serta jabatan lainnya (jika member of committee, and
ada); dan other position (if any); and
(3) Pengalaman kerja beserta (3) Working experience and
periode waktunya baik period in and outside the
di dalam maupun di luar 69-78 Issuer or Public Company;
Emiten atau Perusahaan
Publik;
g) hubungan afiliasi dengan g) Affiliation with other members of
anggota Direksi lainnya, anggota the Board of Directors, members
Dewan Komisaris, pemegang of the Board of Commissioners,
saham utama, dan pengendali majority and controlling
baik langsung maupun tidak shareholders, either directly or
langsung sampai kepada pemilik indirectly to individual owners,
69-78; 329
individu, meliputi nama pihak including names of affiliated
yang terafiliasi; parties. In the event that a
member of the Board of Directors
has no affiliation, the Issuer or
Public Company shall disclose
this matter; and
h) perubahan komposisi anggota h) Changes in the composition of
Direksi dan alasan perubahannya. the members of the Board of
Dalam hal tidak terdapat Directors and the reasons for the
perubahan komposisi anggota changes. In the event that there
4
Direksi, maka diungkapkan is no change in the composition
mengenai hal tersebut; of the members of the Board of
Directors, this matter shall be
disclosed;
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 569
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10) Profil Dewan Komisaris, paling sedikit 10) The Board of Commissioners profiles,
memuat: at least include:
a) Nama; a) Name;
b) Foto terbaru; b) Latest photograph;
c) Usia; c) Age;
d) Kewarganegaraan; d) Citizenship;
e) Riwayat pendidikan; e) Education;
f) Riwayat jabatan, meliputi f) History position, covering
informasi: information on:
(1) Dasar hukum penunjukan (1) Legal basis for the
sebagai anggota Dewan appointment as member of
Komisaris yang bukan the Board of Commissioners
merupakan Komisaris who is not Independent
Independen pada Emiten Commissioner at the said
atau Perusahaan Publik yang Issuer or Public Company;
bersangkutan;
(2) Dasar hukum penunjukan (2) Legal bases for the first
pertama kali sebagai appointment as member of
anggota Dewan Komisaris the Board of Commissioners
yang merupakan Komisaris who also Independent
Independen pada Emiten Commissioner at the said
atau Perusahaan Publik yang Issuer or Public Company;
bersangkutan;
66-68; 329
(3) Rangkap jabatan, baik (3) Dual position; as member of
sebagai anggota Dewan the Board of Commissioners,
Komisaris, anggota Direksi, member of the Board of
dan/atau anggota komite Directors, and/or member of
serta jabatan lainnya (jika committee and other position
ada); dan (if any); and
(4) Pengalaman kerja beserta (4) Working experience and
periode waktunya baik period in and outside the
di dalam maupun di luar Issuer or Public Company;
Emiten atau Perusahaan
Publik;
g) Hubungan afiliasi dengan g) Affiliation with other members
anggota Dewan Komisaris of the Board of Commissioners,
lainnya, pemegang saham utama, major shareholders, and
dan pengendali baik langsung controllers either directly or
maupun tidak langsung sampai indirectly to individual owners,
kepada pemilik individu, meliputi including names of affiliated
nama pihak yang terafilias parties; In the event that a member
of the Board of Commissioners
has no affiliation, the Issuer or
Public Company shall disclose this
matter;
h) Pernyataan independensi h) Statement of independence of
Komisaris Independen dalam Independent Commissioner in
hal Komisaris Independen telah the event that the Independent
menjabat lebih dari 2 (dua) Commissioner has been
periode (jika ada); appointed more than 2 (two)
periods (if any);
i) Perubahan komposisi anggota i) Changes in the composition of
Dewan Komisaris dan alasan the members of the Board of
perubahannya. Dalam hal tidak Commissioners and the reasons
terdapat perubahan komposisi for the changes. In the event
anggota Dewan Komisaris, maka 28-29 that there is no change in the
diungkapkan mengenai hal composition of the members of
tersebut; the Board of Commissioners, this
matter shall be disclosed;
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11) Dalam hal terdapat perubahan 11) In the event that there were changes
susunan anggota Direksi dan/atau in the composition of the Board of
anggota Dewan Komisaris yang terjadi Commissioners and/or the Board
setelah tahun buku berakhir sampai of Directors occurring between the
dengan batas waktu penyampaian period after year-end until the date
-
Laporan Tahunan, susunan yang the Annual Report submitted, then
dicantumkan dalam Laporan Tahunan the last and the previous composition
adalah susunan anggota Direksi dan/ of the Board of Commissioners and/or
atau anggota Dewan Komisaris yang the Board of Directors shall be stated
terakhir dan sebelumnya; in the Annual Report;
12) Jumlah karyawan menurut 12) Number of employees by gender,
jenis kelamin, jabatan, usia, position, age, education level, and
tingkat pendidikan, dan status employment status (permanent/
79
ketenagakerjaan (tetap/kontrak) dalam contracted) in the fiscal year;
tahun buku; Disclosure of information can be
presented in tabular form.
13) Nama pemegang saham dan 13) Names of shareholders and ownership
persentase kepemilikan pada akhir percentage at the end of the fiscal
tahun buku, yang terdiri dari: year, including:
a) Pemegang saham yang memiliki a) Shareholders having 5% (five
82-83
5% (lima persen) atau lebih saham percent) or more shares of Issuer
Emiten atau Perusahaan Publik; or Public Company;
b) Anggota Direksi dan anggota b) Commissioners and Directors
Dewan Komisaris yang memiliki who own shares of the Issuers or
saham Emiten atau Perusahaan Public Company; and
Publik; dan
c) Kelompok pemegang saham c) Groups of public shareholders,
masyarakat, yaitu kelompok or groups of shareholders, each
pemegang saham yang masing- with less than 5% (five percent)
-
masing memiliki kurang dari 5% ownership shares of the Issuers or
(lima persen) saham emiten atau Public Company;
perusahaan publik;
14) Persentase kepemilikan tidak langsung 14) The percentage of indirect ownership
atas saham Emiten atau Perusahaan of the shares of the Issuer or Public
Publik oleh anggota Direksi dan Company by members of the Board
anggota Dewan Komisaris pada awal of Directors and members of the
dan akhir tahun buku, termasuk Board of Commissioners at the
informasi mengenai pemegang beginning and end of the fiscal year,
83
saham yang terdaftar dalam daftar including information on shareholders
pemegang saham untuk kepentingan registered in the shareholder register
kepemilikan tidak langsung anggota for the benefit of indirect ownership
Direksi dan anggota Dewan Komisaris; of members of the Board of Directors
and members of the Board of
Commissioners;
15) Jumlah pemegang saham dan 15) Number of shareholders and
persentase kepemilikan per akhir ownership percentage at the end of
tahun buku berdasarkan klasifikasi: the fiscal year, based on:
a) Kepemilikan institusi lokal; a) Ownership of local institutions;
82
b) Kepemilikan institusi asing; b) Ownership of foreign institutions;
c) Kepemilikan individu lokal; dan c) Ownership of local individual; and
d) Kepemilikan individu asing; d) Ownership of foreign individual;
16) Informasi mengenai pemegang saham 16 Information on major shareholders
utama dan pengendali Emiten atau and controlling shareholders the
Perusahaan Publik, baik langsung Issuers of Public Company, directly
84
maupun tidak langsung, sampai or indirectly, and also individual
kepada pemilik individu, yang disajikan shareholder, presented in the form of
dalam bentuk skema atau bagan; scheme or diagram;
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17) Nama entitas anak, perusahaan 17) Name of subsidiaries, associated
asosiasi, perusahaan ventura bersama companies, joint venture controlled by
dimana Emiten atau Perusahaan Issuers or Public Company, with entity,
Publik memiliki pengendalian percentage of stock ownership, line of
bersama entitas, beserta persentase business, total assets and operating
kepemilikan saham, bidang usaha, status of the Issuers of Public
total aset, dan status operasi Emiten 86-90 Company (if any);
atau Perusahaan Publik tersebut (jika
ada);
Untuk entitas anak, ditambahkan For subsidiaries, include the addresses
informasi mengenai alamat entitas of the said subsidiaries;
anak tersebut;
18) Kronologi pencatatan saham, jumlah 18) Chronology of share listing, number of
saham, nilai nominal, dan harga shares, par value, and bid price from
penawaran dari awal pencatatan the beginning of listing up to the end
hingga akhir tahun buku serta nama 84 of the financial year, and name of
Bursa Efek dimana saham Emiten atau Stock Exchange where the Issuers of
Perusahaan Publik dicatatkan (jika Public Company shares are listed;
ada);
19) Informasi pencatatan efek lainnya 19) Other securities listing information
selain efek sebagaimana dimaksud other than the securities as referred
pada angka 18), yang belum jatuh to in number 18), which have not yet
tempo pada tahun buku paling sedikit matured in the fiscal year, at least
85
memuat nama efek, tahun penerbitan, contain the name of the securities,
tingkat suku bunga/imbal hasil, year of issue, interest rate/yield,
tanggal jatuh tempo, nilai penawaran, maturity date, offering value, and
dan peringkat efek (jika ada); securities rating (if any);
20) Informasi penggunaan jasa akuntan 20) Information on the use of a Public
publik (AP) dan kantor akuntan Accountant (AP) and a Public
publik (KAP) beserta jaringan/asosiasi/ Accounting firm (KAP) services and
aliansinya meliputi: their networks/associations/alliances
include:
a) nama dan alamat; a) name and address;
b) periode penugasan; b) period of assignment;
c) informasi jasa audit dan/atau non c) informasi jasa audit dan/atau non
audit yang diberikan; audit yang diberikan;
92-94
d) biaya jasa (fee) audit dan/atau d) Audit and/or non-audit fees for
non audit untuk masing-masing each assignment given during
penugasan yang diberikan the fiscal year; and
selama tahun buku; dan
e) dalam hal AP dan KAP beserta e) In the event that AP and KAP
jaringan/asosiasi/aliansinya, yang and their network/association/
ditunjuk tidak memberikan jasa alliance, which are appointed do
non audit, maka diungkapkan not provide non-audit services,
mengenai informasi tersebut; then the information is disclosed;
dan and
21) Nama dan alamat lembaga dan/atau 21) Name and address of capital market
profesi penunjang pasar modal selain 100 supporting institutions and/or
AP dan KAP; professionals other than AP and KAP
f. Analisis dan Pembahasan Manajemen f. Management Discussion and Analysis
Analisis dan pembahasan manajemen Management Analysis and Discussion
memuat analisis dan pembahasan Annual should contain discussion and
mengenai laporan keuangan dan informasi analysis on financial statements and other
penting lainnya dengan penekanan pada 112-124 material information emphasizing material
perubahan material yang terjadi dalam changes that occurred during the year
tahun buku, yaitu paling sedikit memuat: under review, at least including:
572 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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1) Tinjauan operasi per segmen operasi 1) Operational review per business
sesuai dengan jenis industri Emiten segment, according to the type
atau Perusahaan Publik, paling sedikit of industry of the Issuer or Public
mengenai: Company including:
a) Produksi, yang meliputi proses, 112-126 a) Production, including process,
kapasitas, dan perkembangannya; capacity, and growth;
b) Pendapatan/penjualan; dan b) Income/sales; and
c) Profitabilitas; c) Profitability;
2) Kinerja keuangan komprehensif yang 2) comprehensive financial performance
mencakup perbandingan kinerja analysis which includes a comparison
keuangan dalam 2 (dua) tahun buku between the financial performance
terakhir, penjelasan tentang penyebab 128 of the last 2 (two) fiscal years, and
adanya perubahan dan dampak explanation on the causes and effects
perubahan tersebut, paling sedikit of such changes, among others
mengenai: concerning:
a) Aset lancar, aset tidak lancar, dan a) Current assets, non-current
128-132
total aset; assets, and total assets;
b) Liabilitas jangka pendek, liabilitas b) Short term liabilities, long term
jangka panjang, dan total 132-135 liabilities, total liabilities;
liabilitas;
c) Ekuitas; 135 c) Equities;
d) Pendapatan/penjualan, beban, d) Sales/operating revenues,
laba (rugi), penghasilan expenses and profit (loss), other
komprehensif lain, dan total laba 136-138 comprehensive revenues, and
(rugi) komprehensif; dan total comprehensive profit (loss);
and
e) Arus kas 138-139 e) Cash flows
3) Kemampuan membayar utang 3) The capacity to pay debts by including
dengan menyajikan perhitungan rasio 140-141 the computation of relevant ratios;
yang relevan;
4) Tingkat kolektibilitas piutang emiten 4) Accounts receivable collectability
atau perusahaan publik dengan of the Issuer or Public Company,
141
menyajikan perhitungan rasio yang including the computation of the
relevan; relevant ratios;
5) Struktur modal (capital structure) dan 5) Capital structure and management
kebijakan manajemen atas struktur policies concerning capital structure,
modal (capital structure) tersebut 142-143 including the basis for determining
disertai dasar penentuan kebijakan the said policy;
dimaksud;
6) Bahasan mengenai ikatan yang 6) discussion on material ties for the
material untuk investasi barang modal investment of capital goods, including
dengan penjelasan paling sedikit the explanation on at least:
meliputi:
a) Tujuan dari ikatan tersebut; a) The purpose of such ties;
b) Sumber dana yang diharapkan b) Source of funds expected to fulfill
untuk memenuhi ikatan tersebut; the said ties;
145
c) Mata uang yang menjadi c) Currency of denomination; and
denominasi; dan
d) Langkah yang direncanakan d) Steps taken by the Issuer of Public
emiten atau perusahaan publik Company to protect the position
untuk melindungi risiko dari of a related foreign currency
posisi mata uang asing yang against risks;
terkait;
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7) Bahasan mengenai investasi barang 7) Discussion on investment of capital
modal yang direalisasikan dalam tahun goods which was realized in the last
buku terakhir, paling sedikit meliputi: fiscal year, at least include:
a) Jenis investasi barang modal; a) Type of investment of capital
goods;
144
b) Tujuan investasi barang modal; b) Objective of the investment of
dan capital goods; and
c) Nilai investasi barang modal yang c) Value of the investment of capital
dikeluarkan; goods;
8) Informasi dan fakta material yang 8) Material Information and facts
terjadi setelah tanggal laporan akuntan that occurring after the date of the
152
(jika ada); accountant’s report (if any);
9) Prospek usaha dari emiten atau 9) Information on the prospects of the
perusahaan publik dikaitkan dengan Issuer or the Company in connection
kondisi industri, ekonomi secara umum with industry,economy in general,
dan pasar internasional disertai data 146-147 accompanied with supporting
pendukung kuantitatif dari sumber quantitative data if there is a reliable
data yang layak dipercaya; data source;
10) Perbandingan antara target/proyeksi 10) Comparison between target/
pada awal tahun buku dengan hasil projection at beginning of year and
yang dicapai (realisasi), mengenai: result (realization), concerning:
a) Pendapatan/penjualan; a) Income/sales;
b) Laba (rugi); b) Profit (loss);
39-40; 145
c) Struktur modal (capital structure); c) Capital structure; or
d) Kebijakan dividen; atau d) Dividend policy; or
e) Hal lainnya yang dianggap e) Others that deemed necessary
penting bagi Emiten atau for the Issuer or Public Company;
Perusahaan Publik;
11) Target/proyeksi yang ingin dicapai 11) Target/projection at most for the
Emiten atau Perusahaan Publik untuk next one year of the Issuer or Public
1 (satu) tahun mendatang, mengenai: Company, concerning:
a) Pendapatan/penjualan; a) Income/sales;
b) Laba (rugi); b) Profit (loss);
–
c) Struktur modal (capital structure); c) Capital structure; or
d) Kebijakan dividen; atau d) Dividend policy;
e) Hal lainnya yang dianggap e) Or others that deemed necessary
penting bagi Emiten atau for the Issuer or Public Company;
Perusahaan Publik;
12) Aspek pemasaran atas barang dan/ 12) Marketing aspects of the company’s
atau jasa Emiten atau Perusahaan products and/or services the Issuer
107-111
Publik, paling sedikit mengenai or Public Company, among others
strategi pemasaran dan pangsa pasar; marketing strategy and market share;
13) Uraian mengenai dividen selama 2 13) Description regarding the dividend
(dua) tahun buku terakhir (jika ada), policy during the last 2 (two) fiscal
paling sedikit: years, at least:
a) Kebijakan dividen; a) Dividend policy;
b) Tanggal pembayaran dividen b) The date of the payment of
kas dan/atau tanggal distribusi cash dividend and/or date of
dividen non kas; 152-153 distribution of non-cash dividend;
c) Jumlah dividen per saham (kas c) Amount of cash per share (cash
dan/atau non kas); dan and/or non cash); and
d) Jumlah dividen per tahun yang d) Amount of dividend per year paid;
dibayar;
Dalam hal Emiten atau Perusahaan Disclosure of information can be
Publik tidak membagikan dividen presented in tabular form. In the event
dalam 2 (dua) tahun terakhir, maka that the Issuer or Public Company
diungkapkan mengenai hal tersebut. does not distribute dividends in the
last 2 (two) years, this matter shall be
disclosed.
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14) Realisasi penggunaan dana hasil 14) Use of proceeds from Public Offerings,
Penawaran Umum, dengan ketentuan: under the condition of:
a) Dalam hal selama tahun buku, a) during the year under review,
Emiten memiliki kewajiban on which the Issuer has the
menyampaikan laporan obligation to report the realization
realisasi penggunaan dana, of the use of proceeds, then the
maka diungkapkan realisasi realization of the cumulative use
penggunaan dana hasil of proceeds until the year end
Penawaran Umum secara should be disclosed; and
153
kumulatif sampai dengan akhir
tahun buku; dan
b) Dalam hal terdapat perubahan b) In the event that there were
penggunaan dana sebagaimana changes in the use of proceeds
diatur dalam Peraturan Otoritas as stipulated in the Regulation of
Jasa Keuangan tentang Laporan the Financial Services Authority
Realisasi Penggunaan Dana Hasil on the Report of the Utilization
Penawaran Umum, maka Emiten of Proceeds from Public Offering,
menjelaskan perubahan tersebut; then Issuer should explain the
said changes;
15) Informasi material (jika ada), antara lain 15) Material information (if any), among
mengenai investasi, ekspansi, divestasi, others concerning investment,
penggabungan/peleburan usaha, expansion, divestment, acquisition,
akuisisi, restrukturisasi utang/modal, debt/capital restructuring,
147-149
transaksi Afiliasi, dan transaksi yang transactions with related parties and
mengandung benturan kepentingan, transactions with conflict of interest
yang terjadi pada tahun buku, antara that occurred during the year under
lain memuat: review, among others include:
a) Tanggal, nilai, dan objek transaksi; a) Transaction date, value, and
object;
b) Nama pihak yang melakukan b) Name of transacting parties;
transaksi;
c) Sifat hubungan Afiliasi (jika ada); c) Nature of related parties (if any);
d) Penjelasan mengenai kewajaran d) Description of the fairness of the
transaksi; dan transaction; and
e) Pemenuhan ketentuan terkait; e) Compliance with related rules
and regulations;
f) dalam hal terdapat hubungan f) In the event that there is an
afiliasi, selain mengungkapkan affiliation relationship, apart from
informasi sebagaimana dimaksud disclosing the information as
dalam huruf a) sampai dengan referred to in letter a) to letter e),
huruf e), Emiten atau Perusahaan the Issuer or Public Company also
Publik juga mengungkapkan discloses information:
informasi:
1) Pernyataan Direksi bahwa 1) A statement from the Board
transaksi afiliasi telah melalui of Directors that the affiliate
prosedur yang memadai transaction has gone through
untuk memastikan bahwa adequate procedures to
transaksi afiliasi dilaksanakan ensure that the affiliate
sesuai dengan praktik bisnis 150 transaction is carried out in
yang berlaku umum antara accordance with generally
lain dilakukan dengan accepted business practices,
memenuhi prinsip transaksi by complying with the arms-
yang wajar (arms- length length principle; and
principle); dan
2) Peran Dewan Komisaris 2) The role of the Board of
dan komite audit dalam Commissioners and the
melakukan prosedur yang audit committee in carrying
memadai untuk memastikan out adequate procedures
bahwa transaksi afiliasi to ensure that affiliated
dilaksanakan sesuai dengan 150 transactions are carried out
praktik bisnis yang berlaku in accordance with generally
umum antara lain dilakukan accepted business practices,
dengan memenuhi prinsip by complying with the arms-
transaksi yang wajar (arms- length principle;
length principle);
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 575
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g) Dalam hal transaksi afiliasi atau g) For affiliated transactions or
transaksi material dimaksud telah material transactions which are
diungkapkan dalam laporan business activities carried out
keuangan tahunan, ditambahkan to generate business income
informasi mengenai rujukan and are carried out regularly,
150
pengungkapan dalam laporan repeatedly, and/or continuously,
keuangan tahunan tersebut. an explanation is added that the
affiliated transactions or material
transactions are business activities
carried out to generate operating
income. and run regularly,
repeatedly, and/or continuously;
h) Untuk pengungkapan transaksi h) For disclosure of affiliated
afiliasi dan/atau transaksi transactions and/or conflict of
benturan kepentingan yang interest transactions resulting
merupakan hasil pelaksanaan from the implementation of
transaksi afiliasi dan/atau affiliated transactions and/or
transaksi benturan kepentingan conflict of interest transactions
yang telah disetujui pemegang that have been approved by
saham independen, ditambahkan independent shareholders,
informasi mengenai tanggal additional information
pelaksanaan RUPS yang – regarding the date of the GMS
menyetujui transaksi afiliasi which approved the affiliated
dan/atau transaksi benturan transactions and/or conflict of
kepentingan tersebut; interest transactions is added;
i) Dalam hal tidak terdapat i) In the event that there is no
transaksi afiliasi dan/atau affiliated transaction and/or
transaksi benturan kepentingan, conflict of interest transaction,
maka diungkapkan mengenai then this shall be disclosed;
hal tersebut;
16) Perubahan ketentuan peraturan 16) Changes in regulation which have
perundang-undangan yang a significant effect on the Issuer or
berpengaruh signifikan terhadap Public Company and impacts on the
154-162
Emiten atau Perusahaan Publik company (if any); and
dan dampaknya terhadap laporan
keuangan (jika ada); dan
17) Perubahan kebijakan akuntansi, alasan 17) Changes in the accounting policy,
dan dampaknya terhadap laporan 162-163 rationale and impact on the financial
keuangan (jika ada); statement (if any);
g. Tata Kelola Emiten atau Perusahaan Publik g. Corporate Governance of the Issuer or
288
Public Company
Tata kelola Emiten atau Perusahaan Publik Corporate Governance of the Issuer or
paling sedikit memuat uraian singkat Public Company contains at least:
mengenai:
1) RUPS, paling sedikit memuat: 297 1) GMS, at least contains:
a) Informasi mengenai keputusan a) Information regarding the
RUPS pada tahun buku dan 1 resolutions of the GMS in the
297-301
(satu) tahun sebelum tahun buku fiscal year and 1 (one) year prior to
meliputi: the fiscal year include:
1) keputusan RUPS pada tahun 1) Resolutions of the GMS in the
buku dan 1 (satu) tahun fiscal year and 1 (one) year
sebelum tahun buku yang 297-301 before the fiscal year realized
direalisasikan pada tahun in the fiscal year; and
buku; dan
2) keputusan RUPS pada tahun 2) Resolutions of the GMS in the
buku dan 1 (satu) tahun fiscal year and 1 (one) year
sebelum tahun buku yang before the fiscal year that
-
belum direalisasikan beserta have not been realized and
alasan belum direalisasikan; the reasons for not realizing
them;
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b) dalam hal Emiten atau b) In the event that the Issuer
Perusahaan Publik or Public Company uses an
menggunakan pihak independen independent party in the conduct
dalam pelaksanaan RUPS untuk 297 of the GMS to calculate the
melakukan perhitungan suara, votes, then this matter shall be
maka diungkapkan mengenai disclosed;
hal tersebut;
2) Direksi, mencakup antara lain: 314 2) The Board of Directors, covering:
a) Tugas dan tanggung jawab a) The tasks and responsibilities of
317-321
masing-masing anggota Direksi; each member of the Board of
Directors;
b) Pernyataan bahwa Direksi b) Statement that the Board of
memiliki pedoman atau piagam Directors has already have board
(charter) Direksi; manual or charter;
c) Kebijakan dan pelaksanaan c) Policies and implementation of
tentang frekuensi rapat Direksi, the frequency of meetings of the
termasuk rapat bersama Dewan Board of Directors, meetings of
Komisaris, dan tingkat kehadiran the Board of Directors with the
anggota Direksi dalam rapat 323-325 Board of Commissioners, and the
tersebut termasuk tingkat level of attendance of members
kehadiran dalam RUPS; of the Board of Directors in the
meeting including attendance at
the GMS;
d) pelatihan dan/atau peningkatan d) Training and/or competency
kompetensi anggota Direksi: development of members of the
Board of Directors:
(1) kebijakan pelatihan dan/atau (1) Policies for training and/or
peningkatan kompetensi improving the competence
anggota Direksi, termasuk of members of the Board
program orientasi bagi of Directors, including an
anggota Direksi yang baru orientation program for
480-488
diangkat (jika ada); dan newly appointed members
of the Board of Directors (if
any); and
(2) pelatihan dan/atau (2) Training and/or competency
peningkatan kompetensi improvement attended by
yang diikuti anggota Direksi members of the Board of
dalam tahun buku (jika ada); Directors in the fiscal year (if
any);
e) penilaian Direksi terhadap e) The Board of Directors’
kinerja komite yang mendukung assessment of the performance
pelaksanaan tugas Direksi of the committees that support
326-328
pada tahun buku paling sedikit the implementation of the Board
memuat: of Directors’ duties for the fiscal
year shall at least contain:
(1) prosedur penilaian kinerja; (1) Performance appraisal
dan procedures; and
(2) kriteria yang digunakan 326-328 (2) The criteria used are
seperti capaian kinerja performance achievements
selama tahun buku, during the fiscal year, are
kompetensi dan kehadiran competence and attendance
dalam rapat; dan at meetings; and
f) dalam hal Emiten atau f) In the event that the Issuer or
Perusahaan Publik tidak memiliki Public Company does not have
komite yang mendukung a committee that supports the
-
pelaksanaan tugas Direksi, maka implementation of the duties of
diungkapkan mengenai hal the Board of Directors, this matter
tersebut. shall be disclosed.
3) Dewan Komisaris, mencakup antara 3) The Board of Commissioners, among
lain: 302 others include:
2023 PT BANK KEB HANA INDONESIA ANNUAL REPORT 577
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a) Tugas dan tanggung jawab a) Duties and responsibilities of the
303
Dewan Komisaris; Board of Commissioners;
b) Pernyataan bahwa Dewan b) Statement that the Board of
Komisaris memiliki pedoman Commissioners has already have
303
atau piagam (charter) Dewan the board manual or charter;
Komisaris;
c) Kebijakan dan pelaksanaan c) Policies and implementation of the
tentang frekuensi rapat Dewan frequency of meetings of the Board
Komisaris, termasuk rapat of Commissioners, meetings of the
bersama Direksi, dan tingkat Board of Commissioners with the
kehadiran anggota Dewan 308-310 Board of Directors and the level
Komisaris dalam rapat tersebut of attendance of members of the
termasuk tingkat kehadiran Board of Commissioners in these
dalam RUPS;; meetings including attendance at
the GMS;
d) pelatihan dan/atau peningkatan d) Training and/or competency
kompetensi anggota Dewan improvement of members of the
Komisaris: Board of Commissioners:
(1) kebijakan pelatihan dan/atau (1) Policy on competency
peningkatan kompetensi training and/or development
anggota Dewan Komisaris, of members of the Board of
termasuk program orientasi Commissioners, including
bagi anggota Dewan 310-311; 305 orientation programs for newly
Komisaris yang baru appointed members of the
diangkat (jika ada); dan Board of Commissioners (if
any); and
(2) pelatihan dan/atau (2) Competency training and/
peningkatan kompetensi or development attended
yang diikuti anggota Dewan by members of the Board of
Komisaris dalam tahun buku Commissioners in the fiscal
(jika ada); year (if any);
e) penilaian terhadap kinerja e) The assessment on the
anggota Direksi dan anggota performance of the Board
Dewan Komisaris dan of Directors and Board of
pelaksanaannya, paling sedikit Commissioners and the
memuat: implementation, at least covering:
(1) Prosedur pelaksanaan (1) procedure for the
penilaian kinerja; implementation of
330-331 performance assessment;
(2) Kriteria yang digunakan (2) Criteria used are performance
seperti capaian kinerja achievements during the
selama tahun buku, fiscal year, competency and
kompetensi dan kehadiran attendance at meetings; and
dalam rapat; dan
(3) Pihak yang melakukan (3) Assessor;
penilaian;
f) penilaian Dewan Komisaris f) Board of Commissioners’
terhadap kinerja Komite yang assessment of the performance
mendukung pelaksanaan tugas of the Committees that support
Dewan Komisaris pada tahun the implementation of the duties
buku meliputi: of the Board of Commissioners in
the fiscal year includes:
(1) prosedur penilaian kinerja; (1) Performance appraisal
311-312
dan procedures; and
(2) kriteria yang digunakan (2) The criteria used are
seperti capaian kinerja performance achievements
selama tahun buku, during the fiscal year,
kompetensi dan kehadiran competency and attendance
dalam rapat; at meetings;
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4) Nominasi dan remunerasi Direksi 332 4) The nomination and remuneration
dan Dewan Komisaris, paling sedikit of the Board of Directors and the
memuat: Board of Commissioners shall at least
contain:
a) prosedur nominasi, meliputi a) Nomination procedure, including
uraian singkat mengenai a brief description of the policies
kebijakan dan proses nominasi and process for nomination
anggota Direksi dan/atau of members of the Board of
anggota Dewan Komisaris; dan Directors and/or members of the
Board of Commissioners; and
b) prosedur dan pelaksanaan b) Procedures and implementation
remunerasi Direksi dan Dewan of remuneration for the Board
Komisaris, antara lain: of Directors and the Board of
Commissioners, among others:
(1) prosedur penetapan (1) Procedures for determining
remunerasi Direksi dan remuneration for the Board
Dewan Komisaris; 333-334 of Directors and the Board of
Commissioners;
(2) struktur remunerasi Direksi (2) The remuneration structure
dan Dewan Komisaris seperti, of the Board of Directors and
gaji, tunjangan, tantiem/ the Board of Commissioners
bonus dan lainnya; dan such as salary, allowances,
tantiem/bonus and others;
and
(3) besarnya remunerasi (3) The amount of remuneration
masing-masing anggota for each member of the
Direksi dan anggota Dewan Board of Directors and
Komisaris; member of the Board of
Commissioners
5) Dewan Pengawas Syariah, bagi 5) Sharia Supervisory Board, for Issuer
Emiten atau Perusahaan Publik or Public Company that conduct
yang menjalankan kegiatan business based on sharia law, as
usaha berdasarkan prinsip syariah – stipulated in the articles of association,
sebagaimana tertuang dalam at least containing:
anggaran dasar, paling sedikit
memuat:
a) nama; a) name;
b) dasar hukum pengangkatan b) Legal basis for the appointment
dewan pengawas syariah; of the sharia supervisory board;
c) periode penugasan dewan c) Period of assignment of the sharia
pengawas syariah; supervisory board;
d) tugas dan tanggung jawab d) duty and responsibility of Sharia
Dewan Pengawas Syariah; dan Supervisory Board; and
e) frekuensi dan cara pemberian e) frequency and procedure in
nasihat dan saran serta providing advice and suggestion,
pengawasan pemenuhan Prinsip as well as the compliance of
Syariah di Pasar Modal terhadap Sharia Principles by the Issuer or
Emiten atau Perusahaan Publik; Public Company in the Capital
Market;
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6) Komite Audit, mencakup antara lain: 6) Audit Committee, among others
336
covering:
a) Nama dan jabatannya dalam a) Name and position in the
keanggotaan komite; committee;
b) Usia; b) Age;
c) Kewarganegaraan; c) Citizenship;
d) Riwayat pendidikan; d) Education background;
e) Riwayat jabatan, meliputi e) History of position; including:
informasi:
(1) Dasar hukum untuk (1) Legal basis for appointment
pengangkatan sebagai as committee member;
anggota komite; 338:478
(2) Rangkap jabatan, baik (2) Dual position, as member
sebagai anggota Dewan of Board of Commissioners,
Komisaris, anggota Direksi, member of Board of
dan/atau anggota komite Directors, and/or member
serta jabatan lainnya (jika of committee, and other
ada); dan position (if any); and
(3) Pengalaman kerja beserta (3) working experience and
periode waktunya baik period in and outside the
di dalam maupun di luar Issuer or Public Company;
Emiten atau Perusahaan
Publik;
f) Periode dan masa jabatan f) Period and terms of office of the
338
anggota Komite Audit; member of Audit Committee;
g) Pernyataan independensi Komite g) statement of independence of
339
Audit; the Audit Committee;
h) Pendidikan dan/atau pelatihan h) Training and/or competency
yang telah diikuti dalam tahun 340; 487 improvement that have been
buku (jika ada); dan followed in the fiscal year (if any);
i) Kebijakan dan pelaksanaan i) Policies and implementation of
tentang frekuensi rapat Komite the frequency of audit committee
Audit dan tingkat kehadiran meetings and the level of
339-340
anggota Komite Audit dalam attendance of audit committee
rapat tersebut; members in those meetings; and
j) Pelaksanaan kegiatan Komite j) the activities of the Audit
Audit pada tahun buku sesuai Committee in the year under
dengan yang dicantumkan 340-341 review, in accordance with the
dalam pedoman atau piagam Audit Committee Charter;
(charter) Komite Audit;
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7) Komite atau fungsi nominasi dan 7) The nomination and remuneration
remunerasi Emiten atau Perusahaan 346 committee or function of the Issuer or
Publik, paling sedikit memuat: Public Company, at least containing:
a) Nama dan jabatannya dalam a) Name and position in committee
keanggotaan komite; membership;
b) Usia; b) Age;
c) Kewarganegaraan; c) Nationality;
d) Riwayat pendidikan; d) Educational history;
e) Riwayat jabatan, meliputi e) Position history, including
informasi: information on:
(1) Dasar hukum penunjukan (1) Legal basis for appointment
sebagai anggota komite; 348-350; as committee member;
(2) Rangkap jabatan, baik 474 (2) Concurrent positions, either
sebagai anggota Dewan as a member of the Board of
Komisaris, anggota Direksi, Commissioners, member of
dan/atau anggota komite the Board of Directors, and/
serta jabatan lainnya (jika or committee member and
ada); dan other positions (if any); and
(3) Pengalaman kerja beserta (3) Work experience and period
periode waktunya baik of time both inside and
di dalam maupun di luar outside the Issuer or Public
Emiten atau Perusahaan Company;
Publik;
f) Periode dan masa jabatan f) Period and term of office of the
348-350
anggota komite; committee members;
g) Pernyataan independensi komite; g) Statement of committee
350
independence;
h) Pendidikan dan/atau pelatihan h) Training and/or competency
yang telah diikuti dalam tahun 352; 474 improvement that have been
buku (jika ada); dan followed in the fiscal year (if any);
i) Uraian tugas dan tanggung i) Description of duties and
jawab; 346-348 responsibilities;
j) Pernyataan bahwa telah memiliki j) A statement that it has a guideline
pedoman atau piagam (charter) 350 or charter;
komite;
k) Kebijakan dan pelaksanaan k) Policies and implementation
tentang frekuensi rapat komite of the frequency of meetings
350-351
dan tingkat kehadiran anggota and the level of attendance of
komite dalam rapat tersebut; members at the meeting;
l) uraian singkat pelaksanaan l) Brief description of the
kegiatan pada tahun buku; dan 352 implementation of activities in
the fiscal year; and
m) dalam hal tidak dibentuk komite m) In the event that no nomination
nominasi dan remunerasi, Emiten and remuneration committee
atau Perusahaan Publik cukup is formed, the Issuer or Public
mengungkapkan informasi Company is sufficient to disclose
sebagaimana dimaksud dalam the information as referred to in
huruf i) sampai dengan huruf l) letter i) to letter l) and disclose:
dan mengungkapkan:
–
(1) alasan tidak dibentuknya (1) Reasons for not forming the
komite; dan committee; and
(2) pihak yang melaksanakan (2) The party carrying out
fungsi nominasi dan the nomination and
remunerasi; remuneration function;
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8) Komite lain yang dimiliki Emiten atau 342; 353-404 8) Other committees owned by Issuers or
Perusahaan Publik dalam rangka Public Companies in order to support
mendukung fungsi dan tugas Direksi the functions and tasks of the Board of
(jika ada) dan/atau komite yang Directors (if any) and / or committees
mendukung fungsi dan tugas Dewan that support the functions and duties
Komisaris, paling sedikit memuat: of the Board of Commissioners, the
least contains:
a) Nama dan jabatannya dalam a) Name and position in the
keanggotaan komite; Committee;
b) Usia; b) Age;
c) Kewarganegaraan; c) Citizenship;
d) Riwayat pendidikan; d) Education background;
e) Riwayat jabatan, meliputi e) History of position, including:
informasi:
(1) Dasar hukum penunjukan (1) Legal basis for the
sebagai anggota komite; appointment as member of
342-343; 478 the committee;
(2) Rangkap jabatan, baik (2) Dual position, as member
sebagai anggota Dewan of Board of Commissioners,
Komisaris, anggota Direksi, member of Board of
dan/atau anggota komite Directors, and/or member
serta jabatan lainnya (jika of committee, and other
ada); dan position (if any); and
(3) Pengalaman kerja beserta (3) Working experience and
periode waktunya baik period in and outside the
di dalam maupun di luar Issuer or Public Company;
Emiten atau Perusahaan
Publik;
f) Periode dan masa jabatan 343 f) Period and terms of office of the
anggota komite; member of Audit Committee;
g) Pernyataan independensi komite; 344 g) Statement of committee
independence;
h) Pendidikan dan/atau pelatihan 345; 478 h) Training and/or competency
yang telah diikuti dalam tahun improvement that have been
buku (jika ada); dan followed in the fiscal year (if any);
and
i) Uraian tugas dan tanggung 342 i) Description of duties and
jawab; responsibilities;
j) Pernyataan bahwa telah memiliki 344 j) A statement that the committee
pedoman atau piagam (charter) has had guidelines or charters;
komite;
k) Kebijakan dan pelaksanaan 344-345 k) Policies and implementation
tentang frekuensi rapat komite of the frequency of committee
dan tingkat kehadiran anggota meetings and the level of
komite dalam rapat tersebut; attendance of committee
members at the meeting; and
l) uraian singkat pelaksanaan 345-346 l) A brief description of the
kegiatan pada tahun buku; dan committee’s activities for the
fiscal year;
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9) Sekretaris Perusahaan, mencakup 9) Corporate Secretary, including:
antara lain:
a) nama; a) name;
b) domisili; b) domicile;
c) riwayat jabatan, meliputi c) history of position, including:
informasi:
(1) dasar hukum penunjukan (1) legal basis for the
sebagai Sekretaris appointment as Corporate
Perusahaan; dan Secretary; and
(2) pengalaman kerja beserta (2) working experience and
periode waktunya baik 405-407 period in and outside the
di dalam maupun di luar Issuer or Public Company;
Emiten atau Perusahaan
Publik;
d) riwayat pendidikan; d) education background;
e) pendidikan dan/atau pelatihan e) education and/or training during
yang diikuti dalam tahun buku; the year under review; and
dan
f) uraian singkat pelaksanaan tugas f) brief description on the
Sekretaris Perusahaan pada implementation of duties of the
tahun buku; Corporate Secretary in the year
under review;
10) Unit Audit Internal, mencakup antara 413 10) Internal Audit Unit, among others
lain: including:
a) Nama kepala Unit Audit Internal; 413 a) Name of Head of Internal Audit
Unit;
b) Riwayat jabatan, meliputi b) History of position, including:
informasi:
(1) Dasar hukum penunjukan 413 (1) Legal basis for the
sebagai Kepala Audit appointment as Head of
Internal; dan Internal Audit Unit; and
(2) Pengalaman kerja beserta 413 (2) Working experience and
periode waktunya baik period in and outside the
di dalam maupun di luar Issuer or Public Company;
Emiten atau Perusahaan
Publik;
c) Kualifikasi atau sertifikasi sebagai 416 c) Qualification or certification as
profesi audit internal (jika ada); internal auditor (if any);
d) Pendidikan dan/atau pelatihan 417; 478 d) Education and/or training during
yang diikuti dalam tahun buku; the year under review;
e) Struktur dan kedudukan Unit 415-416 e) Structure and position of Internal
Audit Internal; Audit Unit;
f) Uraian tugas dan tanggung 414-415 f) Description of duties and
jawab; responsibilities;
g) Pernyataan bahwa telah memiliki 414 g) Statement that the Internal Audit
pedoman atau piagam (charter) Unit has already have Internal
Unit Audit Internal; dan Audit Unit charter; and
h) Uraian singkat pelaksanaan tugas 416-418 h) Brief description on the
Unit Audit Internal pada tahun implementation of duty of Internal
buku; Audit Unit during the year under
review;
11) Uraian mengenai sistem pengendalian 418 11) Description on internal control system
internal (internal control) yang adopted by the Issuer or Public
diterapkan oleh Emiten atau Company, at least covering:
Perusahaan Publik, paling sedikit
mengenai:
a) Pengendalian keuangan dan 421-423 a) Financial and operational control,
operasional, serta kepatuhan and compliance to the other
terhadap peraturan perundang- prevailing rules; and
undangan lainnya; dan
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b) Tinjauan atas efektivitas sistem 424 b) Review on the effectiveness of
pengendalian internal; internal control systems;
c) Pernyataan Direksi dan/atau 424 c) Statement of the Board of Directors
Dewan Komisaris atas kecukupan and/or Board of Commissioners on
sistem pengendalian internal; the adequacy of the internal control
system;
12) Sistem manajemen risiko yang 183 12) Risk management system
diterapkan oleh Emiten atau implemented by the company, at least
Perusahaan Publik, paling sedikit includes:
mengenai:
a) Gambaran umum mengenai 184-192 a) General description about the
sistem manajemen risiko Emiten company’s risk management
atau Perusahaan Publik; system the Issuer or Public
Company;
b) Jenis risiko dan cara 213-287 b) Types of risk and the
pengelolaannya; dan management; and
c) Tinjauan atas efektivitas sistem 248; 428-429 c) Review the effectiveness of the
manajemen risiko Emiten atau risk management system applied
Perusahaan Publik; by the Issuer or Public Company;
d) Pernyataan Direksi dan/atau 429 d) Statement of the Board of Directors
Dewan Komisaris atau komite and/or the Board of Commissioners
audit atas kecukupan sistem or the audit committee on the
manajemen risiko; adequacy of the risk management
system;
13) Perkara hukum yang berdampak 13) Legal cases that have a material
material yang dihadapi oleh Emiten impact faced by Issuers or Public
atau Perusahaan Publik, entitas Companies, subsidiaries, members of
anak, anggota Direksi dan anggota the Board of Directors and members
Dewan Komisaris (jika ada), antara lain of the Board of Commissioners (if any),
meliputi: at least contain:
a) Pokok perkara/gugatan; 429-430 a) Substance of the case/claim;
b) Status penyelesaian perkara/ b) Status of settlement of case/
gugatan; dan claim; and
c) Pengaruhnya terhadap kondisi c) Potential impacts on the
Emiten atau Perusahaan Publik; condition of the Issuer or Public
Company;
14) Informasi tentang sanksi administratif 14) information about administrative
yang dikenakan kepada Emiten atau sanctions imposed to Issuer or Public
Perusahaan Publik, anggota Dewan Company, members of the Board
Komisaris dan Direksi, oleh otoritas 431 of Commissioners and the Board
Pasar Modal dan otoritas lainnya pada of Directors, by the Capital Market
tahun buku (jika ada); Authority and other authorities during
the last fiscal year (if any);
15) Informasi mengenai kode etik Emiten 15) information about codes of conduct
atau Perusahaan Publik meliputi: of the Issuer or Public Company,
includes:
a) Pokok-pokok kode etik; a) Key points of the code of conduct;
b) Bentuk sosialisasi kode etik dan b) Socialization of the code of
upaya penegakannya; dan 436 conduct and enforcement; and
c) Pernyataan bahwa kode etik c) Statement that the code of
berlaku bagi anggota Direksi, conduct is applicable for the
anggota Dewan Komisaris, Board of Commissioners, the
dan karyawan Emiten atau Board of Directors, and employees
Perusahaan Publik; of the Issuer of Public Company;
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16) Uraian singkat mengenai kebijakan 16) A brief description of the policy of
pemberian kompensasi jangka providing long-term performance-
panjang berbasis kinerja kepada based compensation to management
manajemen dan/atau karyawan yang and/or employees owned by the Issuer
dimiliki oleh Emiten atau Perusahaan or Public Company (if any), including
Publik (jika ada), antara lain berupa the management stock ownership
program kepemilikan saham oleh program (MSOP) and/or program
manajemen (management stock employee stock ownership (ESOP);
ownership program/MSOP) dan/atau
program kepemilikan saham oleh
karyawan (employee stock ownership
program/ESOP); Dalam hal pemberian
kompensasi berupa program
kepemilikan saham oleh manajemen
(management stock ownership 153; 335
program/MSOP) dan/atau program
kepemilikan saham oleh karyawan
(employee stock ownership program/
ESOP), informasi yang diungkapkan
paling sedikit memuat:
a) jumlah saham dan/atau opsi; a) Number of shares and/or options;
b) jangka waktu pelaksanaan; b) Implementation period;
c) persyaratan karyawan dan/atau c) Requirements for eligible
manajemen yang berhak; dan employees and/or management;
and
d) harga pelaksanaan atau d) Exercise price or determination of
penentuan harga pelaksanaan; exercise price;
17) Uraian singkat mengenai kebijakan 17) A brief description of the information
pengungkapan informasi mengenai: disclosure policy regarding:
a) Kepemilikan saham anggota a) Share ownership of members
Direksi dan anggota Dewan of the Board of Directors and
Komisaris paling lambat 3 (tiga) members of the Board of
hari kerja setelah terjadinya Commissioners no later than 3
83; 433
kepemilikan atau setiap (three) working days after the
perubahan kepemilikan atas occurrence of ownership or any
saham Perusahaan Terbuka; dan change in ownership of shares of
a Public Company; and
b) Pelaksanaan atas kebijakan b) Implementation of the policy;
dimaksud;
18) Uraian mengenai sistem pelaporan 18) Description of whistleblowing system
pelanggaran (whistleblowing system) at the Issuer or Public Company (if
437
di Emiten atau Perusahaan Publik (jika any), among others include:
ada), antara lain meliputi:
a) Cara penyampaian laporan a) Mechanism for violation
437
pelanggaran; reporting;
b) Perlindungan bagi pelapor; b) Protection for the whistleblower;
c) Penanganan pengaduan; c) Handling of violation reports;
437-438
d) Pihak yang mengelola d) Unit responsible for handling of
pengaduan; dan violation report; and
e) Hasil dari penanganan e) Results from violation report
pengaduan, paling sedikit handling, at least includes:
meliputi:
(1) Jumlah pengaduan yang - (1) Number of complaints
masuk dan diproses dalam received and processed
tahun buku; dan during the fiscal year; and
(2) Tindak lanjut pengaduan; (2) Follow up of complaints;
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19) Uraian mengenai kebijakan anti 19) A description of the anti-corruption
korupsi Emiten atau Perusahaan policy of the Issuer or Public Company,
Publik, paling sedikit memuat: at least containing:
a) program dan prosedur yang a) Programs and procedures
dilakukan dalam mengatasi implemented in overcoming
praktik korupsi, balas jasa 438; corrupt practices, kickbacks,
(kickbacks), fraud, suap dan/atau 439-442 fraud, bribery and/or gratification
gratifikasi dalam Emiten atau in Issuers or Public Companies;
Perusahaan Publik; dan and
b) pelatihan/sosialisasi anti korupsi b) Anti-corruption training/
kepada karyawan Emiten atau socialization to employees of
Perusahaan Publik; Issuers or Public Companies;
20) Penerapan atas Pedoman Tata Kelola 20) Implementation of the Guidelines
Perusahaan Terbuka bagi Emiten yang of Corporate Governance for Public
menerbitkan Efek Bersifat Ekuitas atau Companies for Issuer issuing Equity-
Perusahaan Publik, meliputi: based Securities or Public Company,
including:
a) pernyataan mengenai a) statement regarding
rekomendasi yang telah 446 recommendation that have been
dilaksanakan; dan/atau implemented; and/or
b) penjelasan atas rekomendasi b) description of recommendation
yang belum dilaksanakan, that have not been implemented,
disertai alasan dan alternatif along with the reason and
pelaksanaannya (jika ada); alternatives of implementation (if
any);
h. Tanggung Jawab Sosial dan Lingkungan h. Social and Environmental Responsibility of
448
Emiten atau Perusahaan Publik the Issuer or Public Company
1) Informasi yang diungkapkan dalam 1) The information disclosed in the social
bagian tanggung jawab sosial dan and environmental responsibility
lingkungan merupakan Laporan section is a Sustainability Report as
Keberlanjutan (Sustainability Report) Buku referred to in the Financial Services
sebagaimana dimaksud dalam Terpisah Authority Regulation Number 51/
Peraturan Otoritas Jasa Keuangan Separate POJK.03/2017 concerning the
Nomor 51/POJK.03/2017 tentang Books Implementation of Sustainable
Penerapan Keuangan Berkelanjutan Finance for Financial Services
bagi Lembaga Jasa Keuangan, Emiten, Institutions, Issuers, and Public
dan Perusahaan Publik, paling sedikit Companies, at at least includes:
memuat:
a) penjelasan strategi keberlanjutan; a) Explanation of the sustainability
-
strategy;
b) ikhtisar aspek keberlanjutan b) Overview of sustainability
(ekonomi, sosial, dan lingkungan – aspects (economic, social, and
hidup); environmental);
c) profil singkat Emiten atau c) Brief profile of the Issuer or Public
–
Perusahaan Publik; Company;
d) penjelasan Direksi; d) Explanation of the Board of
–
Directors;
e) tata kelola keberlanjutan; e) Sustainability governance;
–
f) kinerja keberlanjutan; f) Sustainability performance;
–
g) verifikasi tertulis dari pihak g) Written verification from an
–
independen, jika ada; independent party, if any;
h) lembar umpan balik (feedback) h) Feedback sheet for readers, if any;
–
untuk pembaca, jika ada; dan and
i) anggapan Emiten atau i) The response of the Issuer or
Perusahaan Publik terhadap Public Company to the previous
–
umpan balik laporan tahun year’s report feedback;
sebelumnya;
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2) Laporan Keberlanjutan sebagaimana 2) The Sustainability Report as referred
dimaksud pada angka 1), harus disusun to in number 1) must be prepared
sesuai Pedoman Teknis Penyusunan in accordance with the Technical
Laporan Keberlanjutan (Sustainability Guidelines for the Preparation of a
Report) Bagi Emiten dan Perusahaan – Sustainability Report for Issuers and
Publik sebagaimana tercantum dalam Public Companies as contained in
Lampiran II yang merupakan bagian Appendix II which is an integral part
tidak terpisahkan dari Surat Edaran of this Financial Services Authority
Otoritas Jasa Keuangan ini; Circular Letter;
3) Informasi Laporan Keberlanjutan 3) Information on the Sustainability
(Sustainability Report) pada angka 1) – Report in number 1) can:
dapat:
a) diungkapkan pada bagian lain a) Disclosed in other relevant
yang relevan di luar bagian sections outside the Social and
tanggung jawab sosial dan Environmental Responsibility
lingkungan, seperti penjelasan section, such as the Directors’
–
Direksi terkait Laporan explanation regarding the
Keberlanjutan diungkapkan Sustainability Report disclosed
dalam bagian terkait Laporan in the section related to the
Direksi; dan/atau Directors’ Report; and/or
b) merujuk pada bagian lain di b) Refers to other sections outside
luar bagian tanggung jawab the Social and Environmental
sosial dan lingkungan dengan Responsibility section by still
tetap mengacu pada Pedoman referring to the Technical
Teknis Penyusunan Laporan Guidelines for the Preparation of
Keberlanjutan (Sustainability Sustainability Reports for Issuers
Report) Bagi Emiten dan and Public Companies as listed
–
Perusahaan Publik sebagaimana in Appendix II which is an integral
tercantum dalam Lampiran part of this Financial Services
II yang merupakan bagian Authority Circular Letter, such as
tidak terpisahkan dari Surat the profile of the Issuer or Public
Edaran Otoritas Jasa Keuangan Company;
ini, seperti profil Emiten atau
Perusahaan Publik;
4) Laporan Keberlanjutan (Sustainability 4) The Sustainability Report as referred
Report) sebagaimana dimaksud pada to in number 1) is an inseparable
angka 1) merupakan bagian yang tidak part of the Annual Report but can be
–
terpisahkan dari Laporan Tahunan presented separately from the Annual
namun dapat disajikan secara terpisah Report;
dengan Laporan Tahunan;
5) Dalam hal Laporan Keberlanjutan 5) In the event that the Sustainability
disajikan secara terpisah dengan Report is presented separately from
Laporan Tahunan, informasi yang – the Annual Report, the information
diungkapkan dalam Laporan disclosed in the Sustainability Report
Keberlanjutan dimaksud harus: must:
a) memuat seluruh informasi a) Contains all the information as
sebagaimana dimaksud pada – referred to in number 1); and
angka 1); dan
b) disusun sesuai Pedoman b) Prepared in accordance with
Teknis Penyusunan Laporan the Technical Guidelines for the
Keberlanjutan (Sustainability Preparation of a Sustainability
Report) Bagi Emiten dan Report for Issuers and Public
Perusahaan Publik sebagaimana – Companies as listed in Appendix
tercantum dalam Lampiran II II which is an integral part of
yang merupakan bagian tidak this Financial Services Authority
terpisahkan dari Surat Edaran Circular Letter;
Otoritas Jasa Keuangan ini;
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6) Dalam hal Laporan Keberlanjutan 6) In the event that the Sustainability
disajikan secara terpisah dengan Report is presented separately from
Laporan Tahunan, maka dalam bagian the Annual Report, then the Social and
tanggung jawab sosial dan lingkungan Environmental Responsibility section
memuat informasi bahwa informasi contains information that information
mengenai tanggung jawab sosial dan – on Social and Environmental
lingkungan telah diungkapkan dalam Responsibility has been disclosed
Laporan Keberlanjutan yang disajikan in the Sustainability Report which is
secara terpisah dari Laporan Tahunan; presented separately from the Annual
dan Report; and
7) Penyampaian Laporan Keberlanjutan 7) Submission of the Sustainability
(Sustainability Report) yang disajikan Report which is presented separately
secara terpisah dengan Laporan from the Annual Report must be
–
Tahunan harus disampaikan submitted together with the Annual
bersamaan dengan penyampaian Report.
Laporan Tahunan.
i Laporan Keuangan Tahunan yang Telah i Audited Annual Financial Statement
Diaudit
Laporan keuangan tahunan yang dimuat Financial Statements included in Annual
dalam Laporan Tahunan disusun sesuai Report should be prepared in accordance
dengan Standar Akuntansi Keuangan di with the Financial Accounting Standards in
Indonesia dan telah diaudit oleh Akuntan. Indonesia and audited by an Accountant.
Laporan keuangan dimaksud memuat The said financial statement should be
pernyataan mengenai pertanggungjawaban included with statement of responsibility
atas laporan keuangan sebagaimana diatur 537 for financial report as stipulated in the
dalam peraturan perundang-undangan legislations in the Capital Markets sector
di sektor Pasar Modal yang mengatur governing the responsibility of the Board
mengenai tanggung jawab Direksi of Directors on the financial report or the
atas laporan keuangan atau peraturan legislations in the Capital Markets sector
perundang-undangan di sektor Pasar governing the periodic reports of securities
Modal yang mengatur mengenai laporan company in the event the Issuer is a
berkala Perusahaan Efek dalam hal Emiten Securities Company; and
merupakan Perusahaan Efek; dan
j Surat Pernyataan Anggota Direksi dan j Letter of Statement of the Board of Directors
Anggota Dewan Komisaris tentang and the Board of Commissioners regarding
Tanggung Jawab atas Laporan Tahunan the Responsibility for Annual Reporting
Surat pernyataan anggota Direksi dan Letter of statement of the Board of Directors
anggota Dewan Komisaris tentang tanggung and the Board of Commissioners regarding
jawab atas Laporan Tahunan disusun sesuai the responsibility for Annual Reporting
dengan format Surat Pernyataan Anggota 94-95 should be prepared according to the format
Direksi dan Anggota Dewan Komisaris of letter of statement of member of Board of
tentang Tanggung Jawab atas Laporan Directors and the Board of Commissioners
Tahunan sebagaimana tercantum dalam regarding the responsibility for Annual
Lampiran yang merupakan bagian tidak Reporting as attached in the Attachment,
terpisahkan dari Surat Edaran Otoritas Jasa which is an integral part of this Circulation
Keuangan ini. Letter of the Financial Services Authority.
588 PT BANK KEB HANA INDONESIA LAPORAN TAHUNAN 2023
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA Laporan Keuangan Financial Statements Untuk Tahun-Tahun yang Berakhir For the Years Ended Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
Page 594
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
Daftar Isi Halaman/ Table of Contents
Pages
Surat Pernyataan Direksi Directors’ Statement Letter
Laporan Auditor Independen Independent Auditor’s Report
Laporan Keuangan Financial Statements
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
Laporan Posisi Keuangan 1 Statements of Financial Position
Laporan Laba Rugi dan Penghasilan Statements of Profit or Loss and Other
3
Komprehensif Lain Comprehensive Income
Laporan Perubahan Ekuitas 4 Statements of Changes in Equity
Laporan Arus Kas 5 Statements of Cash Flows
Catatan atas Laporan Keuangan 7 Notes to Financial Statements
Page 595
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Page 597
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Page 599
Page 600
Page 601
Page 602
Page 603
Page 604
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
LAPORAN POSISI KEUANGAN STATEMENTS OF FINANCIAL POSITION
Per 31 Desember 2023 dan 2022 As of December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (Expressed in Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Catatan/ 2023 2022
Notes Rp Rp
ASET ASSETS
Kas 4 172.058 183.737 Cash
Giro pada Bank Indonesia 5 1.601.540 1.692.309 Current accounts with Bank Indonesia
Giro pada bank lain 6 Current accounts with other banks
Pihak berelasi 29 8.745 3.556 Related party
Pihak ketiga 386.847 767.901 Third parties
395.592 771.457
Dikurangi: Less:
Cadangan kerugian Allowance for
penurunan nilai (512) (952) impairment losses
395.080 770.505
Penempatan pada Placements with
Bank Indonesia dan bank lain 7 Bank Indonesia and other banks
Pihak ketiga 2.142.554 3.159.640 Third parties
Dikurangi: Less:
Bunga yang belum diamortisasi (3.463) (621) Unamortized interest
2.139.091 3.159.019
Cadangan kerugian Allowance for
penurunan nilai (104) (275) impairment losses
2.138.987 3.158.744
Efek-efek Marketables securities
Pihak ketiga 8 6.164.085 6.058.856 Third parties
Ditambah: Add:
Premi yang belum diamortisasi 35.400 43.848 Unamortized premium
6.199.485 6.102.704
Dikurangi: Less:
Cadangan kerugian Allowance for
penurunan nilai (10.393) (8.426) impairment losses
6.189.092 6.094.278
Tagihan derivatif Derivatives receivable
Pihak ketiga 9 31.911 3.086 Third parties
Kredit yang diberikan 10 Loans
Pihak berelasi 29 895.534 905.945 Related parties
Pihak ketiga 33.428.517 31.744.164 Third parties
34.324.051 32.650.109
Dikurangi: Less:
Cadangan kerugian Allowance for
penurunan nilai (984.674) (1.015.413) impairment losses
33.339.377 31.634.696
Tagihan akseptasi Acceptances receivable
Pihak ketiga 11 1.305.493 1.360.569 Third parties
Dikurangi: Less:
Cadangan kerugian Allowance for
penurunan nilai (1.689) (1.679) impairment losses
1.303.804 1.358.890
Biaya dibayar di muka 31.189 31.200 Prepaid expenses
Investasi dalam saham 12, 29 106.519 106.664 Investment in shares
Aset tetap dan aset hak-guna 13 2.012.642 1.852.218 Fixed assets and right-of-use assets
Dikurangi: Less:
Akumulasi penyusutan (1.415.259) (1.209.181) Accumulated depreciation
597.383 643.037
Aset pajak tangguhan - neto 28 168.083 186.588 Deferred tax assets - net
Aset lain-lain - neto 14 808.843 835.681 Other assets - net
TOTAL ASET 46.883.866 46.699.415 TOTAL ASSETS
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form an integral part of these
laporan keuangan secara keseluruhan financial statements taken as a whole
d1/March 27, 2024 1 paraf/sign:
Page 605
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
LAPORAN POSISI KEUANGAN STATEMENTS OF FINANCIAL POSITION
(Lanjutan) (Continued)
Per 31 Desember 2023 dan 2022 As of December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (Expressed in Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Catatan/ 2023 2022
Notes Rp Rp
LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY
LIABILITAS LIABILITIES
Liabilitas segera 182.424 124.414 Liabilities due immediately
Simpanan nasabah 15 Deposits from customers
Pihak berelasi 29 360.101 129.110 Related parties
Pihak ketiga 25.868.992 26.763.433 Third parties
26.229.093 26.892.543
Simpanan dari bank lain 16 Deposits from other banks
Pihak berelasi 29 4.716.678 5.337.512 Related party
Pihak ketiga 30.291 73.634 Third parties
4.746.969 5.411.146
Liabilitas derivatif 9 Derivatives payable
Pihak ketiga 26.248 2.105 Third parties
Liabilitas akseptasi 11 Acceptances payable
Pihak ketiga 1.305.493 1.360.569 Third parties
Pinjaman yang diterima 17 Borrowings
Pihak ketiga 2.578.595 554.575 Third parties
Surat berharga yang diterbitkan 18 Securities issued
Pihak berelasi 29 -- 622.700 Related parties
Pihak ketiga -- 359.909 Third parties
-- 982.609
Utang pajak 19 45.275 124.820 Taxes payable
Pendapatan diterima di muka 17.067 16.026 Unearned income
Kewajiban imbalan pasca-kerja 20 118.466 96.159 Post-employment benefits obligation
Estimasi kerugian atas komitmen Estimated losses on commitment
dan kontinjensi 30 9.960 4.497 and contingencies
Liabilitas lain-lain 21 560.833 518.398 Other liabilities
TOTAL LIABILITAS 35.820.423 36.087.861 TOTAL LIABILITIES
EKUITAS EQUITY
Modal saham - nilai nominal Capital stock - Rp1,000
Rp1.000 per saham par value per share
(nilai penuh) (full amount)
Modal dasar - Authorized capital -
4.600.000.000 saham 4,600,000,000 shares
Modal ditempatkan dan disetor Issued and fully paid capital -
penuh - 3.160.092.563 saham 22 3.160.093 3.160.093 3,160,092,563 shares
Agio saham 22 1.453.275 1.453.275 Additional paid-in capital
Penghasilan komprehensif lain - neto (9.098) (10.448) Other comprehensive income - net
Saldo laba Retained earnings
Telah ditentukan penggunaannya 30.120 30.120 Appropriated
Belum ditentukan penggunaannya 6.429.053 5.978.514 Unappropriated
TOTAL EKUITAS 11.063.443 10.611.554 TOTAL EQUITY
TOTAL LIABILITAS DAN EKUITAS 46.883.866 46.699.415 TOTAL LIABILITIES AND EQUITY
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form an integral part of these
laporan keuangan secara keseluruhan financial statements taken as a whole
d1/March 27, 2024 2 paraf/sign:
Page 606
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
LAPORAN LABA RUGI STATEMENTS OF PROFIT OR LOSS
DAN PENGHASILAN KOMPREHENSIF LAIN AND OTHER COMPREHENSIVE INCOME
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (Expressed in Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Catatan/ 2023 2022
Notes Rp Rp
PENDAPATAN DAN OPERATING INCOME
BEBAN OPERASIONAL AND EXPENSES
Pendapatan bunga 23 3.043.034 2.506.093 Interest income
Beban bunga Interest expense
Bunga 24 (1.263.149) (655.709) Interest
Premi program penjaminan Premium on
simpanan (55.698) (54.271) deposit guarantee program
(1.318.847) (709.980)
PENDAPATAN BUNGA - NETO 1.724.187 1.796.113 INTEREST INCOME - NET
Pendapatan operasional lainnya Other operating income
Provisi dan komisi selain dari kredit 126.771 168.653 Fees and commissions not related to loans
Keuntungan transaksi mata uang
asing - neto 72.412 52.703 Gain on foreign exchange - net
Keuntungan penjualan efek-efek 38.774 34.725 Gain on sale of securities
Keuntungan (kerugian) dari perubahan nilai Gain (loss) from changes in fair value of
wajar atas instrumen keuangan yang diukur financial assets measured
pada nilai wajar melalui laba rugi - neto 5.665 (1.474) at fair value through profit or loss - net
Lain-lain - neto (12.319) (37.551) Others - net
TOTAL
PENDAPATAN OPERASIONAL LAINNYA 231.303 217.056 TOTAL OTHER OPERATING INCOME
Cadangan kerugian Provision for impairment
penurunan nilai 25 (54.024) (302.432) losses
Beban operasional lainnya Other operating expenses
Beban tenaga kerja 26 (503.921) (445.404) Personnel expense
Beban umum dan administrasi 27 (786.553) (674.372) General and administrative expense
TOTAL BEBAN OPERASIONAL LAINNYA (1.290.474) (1.119.776) TOTAL OTHER OPERATING EXPENSE
LABA OPERASIONAL 610.992 590.961 OPERATING INCOME
PENDAPATAN/(BEBAN) NON-OPERASIONAL NON-OPERATING INCOME/(EXPENSE)
(Kerugian) penjualan dan (Loss) on sale and
penghapusan aset tetap - neto (683) (6.930) write-off of fixed assets - net
Lain-lain - neto 6.252 14.446 Others - net
PENDAPATAN NON-OPERASIONAL - NETO 5.569 7.516 NON-OPERATING INCOME - NET
LABA SEBELUM BEBAN PAJAK 616.561 598.477 INCOME BEFORE TAX EXPENSE
Beban pajak 28 (163.352) (140.883) Tax expense
LABA BERSIH 453.209 457.594 NET INCOME
PENGHASILAN KOMPREHENSIF LAIN OTHER COMPREHENSIVE INCOME
Pos yang tidak akan direklasifikasi Item that will not be reclassfied
ke laba-rugi to profit or loss
Pengukuran kembali kewajiban Remeasurement of post-
imbalan pasca-kerja 20 (3.423) 4.599 employee benefit obligation
Pajak penghasilan terkait 28 753 (1.012) Related income taxes
Pos yang akan direklasifikasi ke laba-rugi Item that will be reclassified to profit or loss
Perubahan nilai wajar efek-efek Changes in fair value of securities
yang diukur pada nilai wajar melalui measured at fair value through
penghasilan komprehensif lain 8 1.731 (126.777) other comprehensive income
Pajak penghasilan terkait 28 (381) 27.891 Related income taxes
JUMLAH PENGHASILAN KOMPREHENSIF TOTAL OTHER
LAIN - NETO (1.320) (95.299) COMPREHENSIVE INCOME - NET
LABA KOMPREHENSIF TAHUN BERJALAN 451.889 362.295 COMPREHENSIVE INCOME FOR THE YEAR
LABA PER SAHAM DASAR (Nilai penuh) 38 143,42 144,80 EARNINGS PER SHARE (in full amount)
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form an integral part of these
laporan keuangan secara keseluruhan financial statements taken as a whole
d1/March 27, 2024 3 paraf/sign:
Page 607
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
LAPORAN PERUBAHAN EKUITAS STATEMENTS OF CHANGES IN EQUITY
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (Expressed in Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Modal
ditempatkan Penghasilan
dan disetor komprehensif Saldo laba/Retained earnings
penuh/ Agio saham/ lain - neto/ Telah Belum Total
Issued and Additional Other ditentukan ditentukan ekuitas/
Catatan/ fully paid paid-in comprehensive penggunaannya/ penggunaannya/ Total
Notes capital capital income - net Appropriated Unappropriated equity
Saldo per 31 Desember 2021 3.160.093 1.453.275 88.438 30.120 5.517.333 10.249.259 Balance
Balance as
as of
of December
December 31, 2021
31, 2020
Pengukuran kembali kewajiban imbalan pasca-kerja Remeasurement of post-employment
- setelah pajak 20,28 -- -- -- -- 3.587 3.587 benefits obligation - net of tax
Perubahan nilai wajar efek-efek yang diukur Changes in fair value of securities
pada nilai wajar melalui penghasilan measured at fair value through other
komprehensif lain - setelah pajak 8,28 -- -- (98.886) -- -- (98.886) comprehensive income - net of tax
Laba tahun berjalan -- -- -- -- 457.594 457.594 Income for the year
Saldo per 31 Desember 2022 3.160.093 1.453.275 (10.448) 30.120 5.978.514 10.611.554 Balance as of December 31, 2022
Pengukuran kembali kewajiban imbalan pasca-kerja Remeasurement of post-employment
- setelah pajak 20,28 -- -- -- -- (2.670) (2.670) benefits obligation - net of tax
Perubahan nilai wajar efek-efek yang diukur Changes in fair value of securities
pada nilai wajar melalui penghasilan measured at fair value through other
komprehensif lain - setelah pajak 8,28 -- -- 1.350 -- -- 1.350 comprehensive income - net of tax
Laba tahun berjalan -- -- -- -- 453.209 453.209 Income for the year
Saldo per 31 Desember 2023 3.160.093 1.453.275 (9.098) 30.120 6.429.053 11.063.443 Balance as of December 31, 2023
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form an integral part of these
laporan keuangan secara keseluruhan financial statements taken as a whole
d1/March 27, 2024 4 paraf/sign:
Page 608
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
LAPORAN ARUS KAS STATEMENTS OF CASH FLOWS
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (Expressed in Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Catatan/ 2023 2022
Notes Rp Rp
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS OPERASI OPERATING ACTIVITIES
Penerimaan bunga 3.040.754 2.348.496 Receipts from interest
Pembayaran bunga (1.295.407) (657.742) Payments of interest
Penerimaan operasional lainnya 160.077 152.757 Other operating receipts
Pembayaran beban tenaga kerja (469.660) (420.066) Payment of personnel expenses
Pengeluaran operasional lainnya (684.360) (546.510) Payment of other operating expenses
Pendapatan/(beban) lainnya 5.292 (13.294) Other income/(expense)
Pembayaran pajak penghasilan (228.810) (178.247) Income tax payments
Arus kas operasi Operating cash flows before
sebelum perubahan changes in operating assets
aset dan liabilitas operasi 527.886 685.394 and liabilities
Decrease/(increase) in
Penurunan/(kenaikan) aset operasi: operating assets:
Penempatan pada Bank Placements with
Indonesia dan bank lain Bank Indonesia and other
yang jatuh tempo dalam banks with original maturities
jangka waktu lebih dari 3 bulan of more than 3 months
sejak tanggal perolehan (80.000) 48.248 from acquisition date
Efek-efek yang diukur pada nilai wajar Securities measured at fair
melalui laba rugi (150.983) 1.326.400 value through profit or loss
Kredit (1.673.942) (3.345.170) Loans
Tagihan akseptasi 55.076 (56.502) Acceptances receivable
Biaya dibayar di muka 11 (17.228) Prepaid expenses
Aset lain-lain 32.466 175.031 Other assets
(Penurunan)/kenaikan (Decrease)/increase in
liabilitas operasi: operating liabilities:
Liabilitas segera 58.010 (209.293) Liabilities due immediately
Simpanan nasabah (663.450) 486.080 Deposits from customers
Simpanan dari bank lain (664.177) 2.111.984 Deposits from other banks
Liabilitas akseptasi (55.076) 56.502 Acceptances payable
Utang pajak 4.790 597 Taxes payable
Liabilitas lain-lain 80.750 (13.771) Other liabilities
Kas neto (digunakan untuk) diperoleh dari Net cash (used in) provided by
aktivitas operasi (2.528.639) 1.248.272 operating activities
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form an integral part of these
laporan keuangan secara keseluruhan financial statements taken as a whole
d1/March 27, 2024 5 paraf/sign:
Page 609
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
LAPORAN ARUS KAS STATEMENTS OF CASH FLOWS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (Expressed in Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Catatan/ 2023 2022
Notes Rp Rp
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS INVESTASI INVESTING ACTIVITIES
Receipts from sale of
Penerimaan dari penjualan efek-efek securities measured at
yang diukur pada nilai wajar melalui fair value through other
penghasilan komprehensif lain 105.864 248.909 comprehensive income
Penerimaan efek-efek yang Matured of marketable
jatuh tempo 365.122 878.350 securities
Pembelian efek-efek yang Purchases of securities measured
diukur pada nilai wajar melalui at fair value through other
penghasilan komprehensif lain dan comprehensive income and at
biaya perolehan yang diamortisasi (415.053) (1.018.031) amortized cost
Perolehan aset tetap 13 (138.308) (123.160) Acquisitions of fixed assets
Hasil penjualan aset tetap 13 277 211 Proceeds from sale of fixed assets
Kas neto digunakan untuk Net cash used in
aktivitas investasi (82.098) (13.721) investing activities
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS PENDANAAN FINANCING ACTIVITIES
Pelunasan efek yang diterbitkan (981.437) -- Redemption of issued securities
Pembayaran liabilitas sewa (77.132) (52.750) Payments of lease liabilities
Perolehan pinjaman yang diterima 17 2.078.595 554.575 Receipts from borrowings
Pelunasan pinjaman yang diterima 17 (53.267) (52.767) Payments of borrowings
Kas neto diperoleh dari Net cash provided by
aktivitas pendanaan 966.759 449.058 financing activities
(PENURUNAN) KENAIKAN NETO NET (DECREASE) INCREASE IN
KAS DAN SETARA KAS (1.643.978) 1.683.609 CASH AND CASH EQUIVALENTS
KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS
PADA AWAL TAHUN 5.806.522 4.007.306 AT BEGINNING OF YEAR
Pengaruh perubahan kurs Effect of foreign exchange
mata uang asing 69.084 115.607 rate changes
KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS
PADA AKHIR TAHUN 4.231.628 5.806.522 AT THE END OF YEAR
KOMPONEN KAS DAN COMPONENTS OF CASH
SETARA KAS AND CASH EQUIVALENTS
Kas 4 172.058 183.737 Cash
Current accounts with
Giro pada Bank Indonesia 5 1.601.540 1.692.309 Bank Indonesia
Giro pada bank lain 6 395.592 771.457 Current accounts with other banks
Penempatan pada Bank Placements with
Indonesia dan bank lain Bank Indonesia and other
yang jatuh tempo dalam banks with original maturities
jangka waktu 3 bulan atau of 3 months or less
kurang sejak tanggal perolehan 7 2.062.438 3.159.019 from acquisition date
Total 4.231.628 5.806.522 Total
Lihat Catatan 39 atas laporan keuangan untuk See Note 39 to the financial statements for supplemental
pengungkapan informasi tambahan arus kas. disclosures of cash flow information.
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form an integral part of these
laporan keuangan secara keseluruhan financial statements taken as a whole
d1/March 27, 2024 6 paraf/sign:
Page 610
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (Expressed in Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
1. Umum 1. General
a. Pendirian dan informasi umum a. Establishment and general information
PT Bank KEB Hana Indonesia (“Bank“) adalah PT Bank KEB Hana Indonesia (the “Bank”) is a
perseroan terbatas yang didirikan di Jakarta limited liability company established in Jakarta
berdasarkan akta notaris No. 25 tanggal under deed No. 25 dated April 27, 1971 of
27 April 1971 yang dibuat di hadapan Andjar Andjar Djarkasih, substitutes of Soedjono,
Djarkarsih, pengganti dari Soedjono, Notaris di Notary in Jakarta, under the name of PT Bank
Jakarta, dengan nama PT Bank Pasar Pagi Pasar Pagi Madju and has been approved by
Madju dan telah disahkan oleh Menteri the Minister of Justice of the Republic of
Kehakiman Republik Indonesia dengan surat Indonesia through decision letter
keputusan No. Y.A.5/189/25 tanggal 25 Mei No.Y.A.5/189/25 dated May 25, 1974. The
1974. Bank mengubah statusnya menjadi Bank Bank changed its status and became a
Umum pada tanggal 21 Juli 1989 berdasarkan Commercial Bank on July 21,1989 under deed
akta No. 19 yang dibuat dihadapan Jacinta No. 19 of Jacinta Susanti, S.H., Notary in
Susanti, S.H., Notaris di Jakarta dan disahkan Jakarta and has been approved by the Minister
oleh Menteri Kehakiman Republik Indonesia of Justice of the Republic of Indonesia through
melalui Surat Keputusan No.C2- Decision Letter No. C2-8743.HT.01.04.Th.89
8743.HT.01.04.Th.89 tanggal 15 September dated September 15, 1989 and was published
1989 serta diumumkan dalam Berita Negara in State Gazette of the Republic of Indonesia
Republik Indonesia No. 89 tanggal 7 November No. 89 dated November 7, 1989, Supplement
1989, Tambahan No. 2866. No. 2866.
Anggaran Dasar Bank selanjutnya mengalami The Articles of Association of the Bank have
beberapa kali perubahan. Perubahan terakhir been further amended several times. The last
dituangkan dalam akta notaris No. 158 tanggal amendment was stated in the notarial deed
20 Oktober 2023 dari Hannywati Gunawan, S.H. No.158 dated October 20, 2023 of Hannywati
dan telah diterima oleh Menteri Hukum dan Gunawan, S.H. and has been received by
Hak Asasi Manusia Republik Indonesia melalui Minister of Law and Human Rights of the
surat keputusan No. AHU-AH.01.09-0176212 Republic of Indonesia through decision letter
tahun 2023 tanggal 20 Oktober 2023. No. AHU-AH.01.09-0176212 year 2023 dated
October 20, 2023.
Bank memperoleh izin usaha sebagai Bank The Bank obtained its license as a Commercial
Umum dari Menteri Keuangan Republik Bank from the Minister of Finance of the
Indonesia melalui Surat Keputusan Republic of Indonesia in its Decision Letter
No. 1306/KMK.013/1989 tanggal No. 1306/KMK.013/1989 dated November 30,
30 November 1989. Bank memperoleh izin dari 1989. The Bank obtained a foreign exchange
Bank Indonesia sebagai pedagang valuta asing license from Bank Indonesia in its letter
melalui surat No. 26/112/UD/Adv tanggal No. 26/112/UD/Adv dated August 16, 1993
16 Agustus 1993 sebagaimana telah which was renewed by the Decree of the
diperbaharui dengan Surat Keputusan Direktur Director of Banking Licensing and Information
Perizinan dan Informasi Perbankan Bank of Bank Indonesia No. 6/3/KEP.Dir.pip/2004
Indonesia No. 6/3/KEP.Dir.pip/2004 tanggal dated January 8, 2004.
8 Januari 2004.
Berdasarkan Surat Keputusan Deputi Gubernur Pursuant to the Deputy Governor of Bank
Bank Indonesia No.10/6/KEP.DpG/2008 tanggal Indonesia’s Decree No. 10/6/KEP.DpG/2008
2 Mei 2008, Bank memperoleh persetujuan dated May 2, 2008, the Bank has obtained an
untuk menjadi Bank Umum Devisa. approval to become a Commercial Foreign
Exchange Bank.
Pada tanggal 13 Desember 2007, Hana Bank, On December 13, 2007, Hana Bank, Korea
Korea membeli saham Bank dari pemilik saham acquired the Bank’s shares from the former
lama dan menjadi pemegang saham utama. Hal shareholders and became the majority
ini dituangkan dalam akta No. 8 tanggal shareholder of the Bank under deed No. 8
13 Desember 2007, dibuat di hadapan Linggo dated December 13, 2007, made before Linggo
Darsono, S.H. Sehubungan dengan akuisisi Darsono S.H. In relation to Hana Bank, Korea,
7
Page 611
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Bank oleh Hana Bank, Korea, para pemegang acquisition of the Bank, the shareholders
saham telah setuju bahwa seluruh liabilitas di agreed that any future liabilities that may occur
masa depan yang timbul dari transaksi from the Bank’s previous transactions would be
terdahulu Bank akan ditagihkan kepada claimed from the former shareholders.
pemegang saham lama.
Sesuai dengan Anggaran Dasar Bank, ruang In accordance with the Bank’s Articles of
lingkup kegiatan Bank adalah menjalankan Association, the scope of activities of the Bank
semua kegiatan bank dan kegiatan jasa is to carry out all banking activities and other
keuangan lainnya. financial service activities.
Bank bergerak dalam usaha perbankan The Bank is engaged in commercial banking
komersial dan berkantor pusat di Gedung and is located at Mangkuluhur City - Tower
Mangkuluhur City - Tower One, Jalan Jenderal One, Jalan Jenderal Gatot Subroto Kav. 1-3,
Gatot Subroto Kav. 1-3, Jakarta Selatan 12930, Jakarta Selatan 12930, Indonesia.
Indonesia.
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the Bank
Bank memiliki kantor cabang, kantor cabang has branches, sub-branches, cash offices and
pembantu, kantor kas, dan ATM sebagai berikut ATMs as follows (unaudited):
(tidak diaudit):
2023 2022
Kantor cabang 14 15 Branches
Kantor cabang pembantu 25 26 Sub-branches
ATM 169 176 ATMs
Jumlah karyawan permanen dan kontrak Bank The Bank has permanent and contractual
pada tanggal 31 Desember 2023 adalah 1036 employees totaling 1036 and 97 employees as
dan 97 karyawan (2022: 972 dan 125 of December 31, 2023 (2022: 972 and 125
karyawan) (tidak diaudit). employees) (unaudited).
b. Susunan pengurus Bank b. Composition of the Bank’s management
Susunan Dewan Komisaris dan Direksi Bank The members of the Bank’s Boards of
pada tanggal 31 Desember 2023 dan 2022 Commissioners and Directors as of
adalah sebagai berikut: December 31, 2023 and 2022 are as follows:
2023 2022
Dewan Komisaris Board of Commissioners
Komisaris Utama Sungwhan Lee 1) Sungwhan Lee President Commissioner
Komisaris Independen Eka Noor Asmara 2) Eka Noor Asmara Independent Commissioner
Komisaris Independen Dino Patti Djalal Dino Patti Djalal 3) Independent Commissioner
Direksi Board of Directors
Direktur Utama Jong Jin Park Jong Jin Park President Director
Direktur Kepatuhan & Legal Bayu Wisnu Wardhana 4) Bayu Wisnu Wardhana Compliance and Legal Director
Direktur Keuangan Seong Hyeok Mun 6) Hang Keun Cho 5) Finance Director
Direktur Kredit Ratna Ningsih Ratna Ningsih Credit Director
Direktur Bisnis Geoffry Nugraha 8) Junita Wangsadinata 7) Business Director
Direktur Perbankan Konsumer Anton Hermawan 9) Anton Hermawan Consumer Banking Director
Direktur Teknologi Informasi Sang Keun Kwak 10) Sang Keun Kwak Information Technology Director
1. Sungwhan Lee diangkat kembali sebagai Komisaris 1. 1. Sungwhan Lee is re-appointed as a President
Utama sejak penutupan RUPS Tahunan tanggal 9 Juni Commissioner after the closing of Annual GMS dated
2023 sampai dengan penutupan RUPS Tahunan 2025. June 9, 2023 until the closing of the Annual GMS 2025.
2. Eka Noor Asmara diangkat kembali sebagai Komisaris 2. Eka Noor Asmara is re-appointed as an Independent
Independen sejak penutupan RUPS Tahunan tanggal Commissioner after the closing of Annual GMS dated
9 Juni 2023 sampai dengan penutupan RUPS Tahunan June 9, 2023 until the closing of the Annual GMS 2024.
2024.
8
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
3. Pengangkatan Dino Patti Djalal sebagai Komisaris 3. The appointment of Dino Patti Djalal as Independent
Independen telah mendapatkan persetujuan dari Commissioner was approved by Financial Services
Otoritas Jasa Keuangan melalui surat keputusan Authority through Decision Letter No.KEP-
No.KEP-103/D.03.2022 tanggal 6 Juli 2022 dan efektif 103/D.03/2022 dated July 6, 2022 and served
menjabat sejak 11 Juli 2022. effectively on July 11, 2022.
4. Bayu Wisnu Wardhana diangkat kembali sebagai 4. Bayu Wisnu Wardhana is re-appointed as a Compliance
Direktur Kepatuhan & Legal sejak penutupan RUPS & Legal Director after the closing of Annual GMS dated
Tahunan tanggal 9 Juni 2023 sampai dengan penutupan June 9, 2023 until the closing of the Annual GMS 2024.
RUPS Tahunan 2024.
5. Hang Keun Cho efektif mengundurkan diri sebagai 5. Hang Keun Cho effectively resigned as a Finance
Direktur Keuangan pada tanggal 5 Mei 2023. Director as of May 5, 2023.
6. Pengangkatan Seong Hyeok Mun sebagai Direktur 6. The appointment of Seong Hyeok Mun as a Finance
Keuangan telah mendapatkan persetujuan dari Otoritas Director has been approved by Financial Services
Jasa Keuangan melalui Surat Keputusan No. KEPR- Authority through Decision Letter No. KEPR-
8/D.03/2023 tanggal 28 Maret 2023 dan efektif menjabat 8/D.03/2023 dated March 28, 2023 and served
sejak 5 Mei 2023. effectively on May 5, 2023.
7. Junita Wangsadinata efektif mengundurkan diri sebagai 7. Junita Wangsadinata effectively resigned as a Business
Direktur Bisnis berlaku efektif sejak penutupan RUPS Director as of the closing of Annual GMS dated June 9,
Tahunan tanggal 9 Juni 2023. 2023.
8. Pengangkatan Geoffry Nugraha sebagai Direktur Bisnis 8. The appointment of Geoffry Nugraha as Business
telah mendapatkan persetujuan dari Otoritas Jasa Director has been approvedby Financial Service
Keuangan melalui Surat Keputusan No. KEPR- Authority through Decision Letter No. KEPR-
96/D.03/2023 tanggal 11 Agustus 2023 dan efektif 96/D.03/2023 dated August 11, 2023 served effectively
menjabat sejak 15 Agustus 2023. on August 15, 2023.
9. Anton Hermawan efektif mengundurkan diri sebagai 9. Anton Hermawan effectively resigned as a Consumer
Direktur Perbankan Konsumer pada tanggal 1 Januari Banking Director as of January 1, 2024. (note 42)
2024. (catatan 42)
10. Sang Keun Kwak diangkat kembali sebagai Direktur 10. Sang Keun Kwak is re-appointed as an Information
Teknologi Informasi sejak penutupan RUPS Tahunan Technology Director after the closing of Annual GMS
tanggal 9 Juni 2023 sampai dengan penutupan RUPS dated June 9, 2023 until the closing of the Annual GMS
Tahunan 2025. 2025.
2023 2022
Komite Audit Audit Committee
Ketua Dino Patti Djalal 11) Dino Patti Djalal 11) Chairman
Anggota A. Dewantoro Marsono 11) A. Dewantoro Marsono 11) Member
Anggota Edy Kuntardjo 11) Edy Kuntardjo 11) Member
Komite Pemantau Risiko Risk Monitoring Committee
Ketua Eka Noor Asmara 12) Eka Noor Asmara 12) Chairman
Anggota A. Dewantoro Marsono 12) A. Dewantoro Marsono 12) Member
Anggota Edy Kuntardjo 12) Edy Kuntardjo 12) Member
Komite Remunerasi Remuneration and
dan Nominasi Nomination Committee
Ketua Eka Noor Asmara 13) Eka Noor Asmara 13) Chairman
Anggota Dino Patti Djalal 15) Sungwhan Lee 14) Member
Anggota Sumia 13) Sumia 13) Member
11. Diangkat berdasarkan Surat Keputusan Direksi No. 11. Appointed based on The Board of Directors’ Decree No.
34/079/DIR/SK/ tanggal 11 Juli 2022. 34/079/DIR/SK dated July 11, 2022.
12. Diangkat kembali berdasarkan Surat Keputusan Direksi 12. Re-appointed based on The Board of Directors’ Decree
No. 35/043B/DIR/SK/ tanggal 9 Juni 2023. No. 35/043B/DIR/SK dated June 9, 2023.
13. Diangkat kembali berdasarkan Surat Keputusan Direksi 13. Re-appointed based on The Board of Directors’ Decree
No. 35/104A/DIR/SK/ tanggal 8 Desember 2023. No. 35/104A/DIR/SK dated December 8, 2023.
14. Tidak lagi efektif menjadi anggota sejak 8 Desember 14. No longer serving as a member as of December 8, 2023
2023 berdasarkan Surat Keputusan Direksi No. based on The Board of Directors’ Decree No.
35/104A/DIR/SK/ tanggal 8 Desember 2023. 35/104A/DIR/SK dated December 8, 2023.
15. Diangkat berdasarkan Surat Keputusan Direksi No. 15. Appointed based on The Board of Directors’ Decree No.
35/104A/DIR/SK/ tanggal 8 Desember 2023. 35/104A/DIR/SK dated December 8, 2023.
Kepala divisi audit internal Bank pada tanggal The head of internal audit division of the Bank
31 Desember 2023 dan 2022 adalah Mifta Chul as of December 31, 2023 and 2022 is Mifta
Chaq Mahfoed. Chul Chaq Mahfoed.
9
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Berdasarkan Surat Keputusan Direksi Bank Based on Decree of the Bank’s Directors
No. 28/071A/DIR/SK tanggal 1 Agustus 2016, No. 28/071A/DIR/SK dated August 1, 2016, the
Bank menunjuk Bayu Wisnu Wardhana sebagai Bank appointed Bayu Wisnu Wardhana as
sekretaris perusahaan Bank. Bank’s corporate secretary.
c. Penggabungan c. Merger
Pada tanggal 12 Juli 2013, pemegang saham On July 12, 2013, the Shareholders of the
Bank, melalui Rapat Umum Pemegang Saham Bank, through the Extraordinary General
Luar Biasa berdasarkan akta notaris No. 6 Meeting of Shareholders’ based on the notarial
tanggal 12 Juli 2013 yang dibuat oleh deed No. 6 dated July 12, 2013 of Refizal, S.H.,
Refizal, S.H., M.Hum., menyetujui M.Hum., approved the merger of PT Bank KEB
penggabungan PT Bank KEB Indonesia Indonesia (“KEBI”) to the Bank Hana.
(“KEBI”) ke dalam Bank Hana.
Berdasarkan Rapat Umum Pemegang Saham Based on Extraordinary General Meeting of
Luar Biasa KEBI yang secara formal dimuat Shareholders’ of KEBI which was formally
dalam akta notaris yang dibuat oleh covered in the notarial deed of Masneri, S.H.
Masneri, S.H. tanggal 12 Juli 2013, pemegang dated July 12, 2013, the shareholders of KEBI
saham KEBI menyetujui rencana approved the merger plan of KEBI into the Bank
penggabungan KEBI ke dalam Bank Hana, Hana, whereby KEBI would then become
dimana KEBI merupakan pihak yang dissolving bank, while the Bank Hana would
menggabungkan diri ke dalam Bank Hana, dan become the surviving bank.
Bank Hana menjadi bank yang menerima
penggabungan (surviving bank).
Berdasarkan akta penggabungan tersebut, Based on the merger deed, the Bank’s
pemegang saham antara lain telah menyetujui shareholders have approved, among others,
hal-hal sebagai berikut: the following:
• Seluruh aktivitas, kegiatan usaha, • • All activities, business activities, operational
operasional usaha, tagihan-tagihan, business, receivables, employees, assets,
karyawan, aktiva, dan pasiva KEBI karena and liabilities of KEBI by law are transferred
hukum beralih kepada Bank Hana; to the Bank Hana;
• KEBI bubar karena hukum tanpa proses • KEBI is by law discontinued without
likuidasi; liquidation process;
• Tanggal 10 Maret 2014 telah dilaksanakan • Operational merger has been conducted on
penggabungan operasional; March 10, 2014;
• Nama bank hasil penggabungan adalah • The name of the merged banks will be
PT Bank KEB Hana Indonesia dan PT Bank KEB Hana Indonesia and it has
penggunaan nama Bank hasil been approved by Financial Service
penggabungan telah disetujui oleh Otoritas Authority (“OJK”).
Jasa Keuangan (“OJK”).
Komposisi pemegang saham akan berubah Shareholders composition would be changed in
sesuai rancangan penggabungan usaha. accordance with the merger plan.
Pada tanggal 11 Februari 2014, Dewan On February 11, 2014, the Board of
Komisioner OJK mengeluarkan Keputusan Commissioners of OJK issued a Decree of the
Dewan Komisioner OJK No. 6/KDK.03/2014 Board of Commissioners of OJK
tentang pemberian izin penggabungan usaha No.6/KDK.03/2014 regarding the approval of
KEBI ke dalam Bank. Keputusan tersebut mulai merger of KEBI into the Bank. The decision is
berlaku sejak tanggal 20 Februari 2014, setelah starting February 20, 2014, after the
adanya persetujuan perubahan Anggaran Dasar amendment of Articles of Association of the
oleh Menteri Hukum dan Hak Asasi Manusia Bank was approved by the Minister of Laws and
Republik Indonesia melalui surat keputusan Human Rights of the Republic of Indonesia
No. AHU-07262.AH.01.02 Tahun 2014 tanggal through decision letter No. AHU-
20 Februari 2014. Penggabungan usaha efektif 07262.AH.01.02 Year 2014 dated February 20,
dilakukan pada tanggal 20 Februari 2014 2014. The merger effective on February 20,
sebagaimana disetujui oleh Menteri Hukum dan 2014 as approved by the Minister of Laws and
Hak Asasi Manusia Republik Indonesia. Human Rights of the Republic of Indonesia.
10
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Terhitung sejak berlakunya keputusan Dewan Commencing from the enactment of the Decree
Komisioner OJK, maka izin usaha KEBI sebagai of the Board of Commissioners of OJK, KEBI’s
bank umum dinyatakan tidak berlaku lagi license as commercial bank was no longer
sehingga seluruh hak dan kewajiban KEBI valid, therefore all rights and obligations of
beralih karena hukum kepada Bank terhitung KEBI were legally transferred to the Bank since
sejak penggabungan usaha mulai berlaku. Hal the merger prevailed. Other matter set up was
lain yang juga diatur adalah pemberian izin the granting permission of ex KEBI’s office as
kepada kantor eks KEBI sebagai kantor Bank. the Bank’s office.
Sehubungan dengan penggabungan usaha In relation to the merger, all employees of KEBI
tersebut, seluruh karyawan KEBI diputus were terminated and KEBI paid all post-
hubungan kerjanya dengan KEBI dan KEBI employment benefit obligations to all
membayarkan seluruh kewajiban imbalan employees amounting to Rp7,201 on
pasca-kerja kepada seluruh karyawannya February 21, 2014. Personal loans of KEBI’s
sebesar Rp7.201 pada tanggal 21 Februari employees for personal needs, vehicle loans,
2014. Pinjaman perorangan yang diberikan and housing loans were settled on the
kepada karyawan KEBI untuk keperluan pribadi, termination of employment. The Bank, then, re-
pembelian kendaraan, dan pembelian rumah employs those employees with years of service
telah dilunasi saat pemutusan hubungan kerja. starting from zero.
Bank kemudian, mempekerjakan kembali
karyawan tersebut dengan masa kerja dimulai
dari nol.
Sebelum tanggal efektif penggabungan usaha, Prior to the effective date of the merger, the
Bank dan KEBI dimiliki secara mayoritas Bank and KEBI were majority-owned by Hana
masing-masing oleh Hana Bank, Korea dan Bank, Korea and Korean Exchange Bank,
Korean Exchange Bank, Korea, dimana entitas Korea, respectively, whose parent entity is
induknya adalah Hana Financial Group. Oleh Hana Financial Group. Therefore, the merger
karena itu, penggabungan usaha ini merupakan constitutes a common control business
kombinasi bisnis entitas sepengendali dan combination and was accounted for under the
diperlakukan berdasarkan metode penyatuan pooling-of-interests method in accordance with
kepemilikan sesuai Pernyataan Standar Statement of Financial Accounting Standards
Akuntansi Keuangan (“PSAK”) 38 (Revisi 2012): (“SFAS”) 38 (Revised 2012): “Common Control
“Kombinasi Bisnis Entitas Sepengendali”. Business Combination”.
2. Ikhtisar Kebijakan Akuntansi yang Material 2. Summary Of Material Accounting Policies
a. Dasar penyajian laporan keuangan a. Basis of preparation of the financial
statements
Pernyataan kepatuhan Statement of compliance
Laporan keuangan Bank telah disusun sesuai The financial statements were prepared in
dengan Standar Akuntansi Keuangan di accordance with Indonesian Financial
Indonesia dan peraturan Badan Pengawas Accounting Standards and the Capital Market
Pasar Modal dan Lembaga Keuangan and Financial Institutions Supervisory Agency
(“BAPEPAM-LK”, yang fungsinya dialihkan (“BAPEPAM-LK”, which function has been
kepada Otoritas Jasa Keuangan (“OJK”) sejak transferred to Financial Service Authority
tanggal 1 Januari 2013) No. VIII.G.7 yang (“OJK”) starting January 1, 2013) rule
merupakan Lampiran Keputusan Ketua No. VIII.G.7, Appendix of the Decree of the
BAPEPAM-LK No. KEP-347/BL/2012 tanggal Chairman of the BAPEPAM-LK No. KEP-
25 Juni 2012 tentang “Penyajian dan 347/BL/2012 dated June 25, 2012 regarding
Pengungkapan Laporan Keuangan Emiten atau “Financial Statements Presentation and
Perusahaan Publik”. Disclosure of the Issuer or Public Company”.
Dasar penyusunan laporan keuangan Bank, The financial statements, except for the
kecuali untuk laporan arus kas, adalah dasar statement of cash flows, have been prepared
akrual. Mata uang pelaporan yang digunakan under the accrual basis of accounting. The
untuk penyusunan laporan keuangan adalah presentation currency used in the financial
11
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Rupiah (Rp), yang merupakan mata uang statements is the Indonesian Rupiah (Rp),
fungsional Bank. Laporan keuangan Bank which is the Bank’s functional currency. The
disusun berdasarkan nilai historis, kecuali Bank’s financial statements have been
beberapa akun tertentu disusun berdasarkan prepared on a historical cost basis, except for
pengukuran lain sebagaimana diuraikan dalam certain accounts which are measured on the
kebijakan akuntansi masing-masing akun basis described in the related accounting
tersebut. policies.
Laporan arus kas disusun menggunakan The statement of cash flows have been
metode langsung dengan mengelompokkan prepared using the direct method and has been
arus kas atas dasar aktivitas operasi, investasi, classified into operating, investing, and
dan pendanaan. Kas dan setara kas terdiri dari financing activities. Cash and cash equivalents
kas, giro pada Bank Indonesia, giro pada bank consists of cash, current accounts with Bank
lain, dan penempatan Bank Indonesia dan bank Indonesia, current accounts with other banks,
lain, yang jatuh tempo dalam waktu 3 (tiga) and placements with Bank Indonesia and other
bulan sejak tanggal perolehan, sepanjang tidak banks maturing within 3 (three) months or less
digunakan sebagai jaminan atas pinjaman yang from the acquisition date, provided they are not
diterima serta tidak dibatasi penggunaannya. used as collaterals for borrowings nor
restricted.
b. Transaksi dan penjabaran laporan keuangan b. Foreign currency transactions and
dalam mata uang asing translation
Bank menyelenggarakan catatan akuntansinya The Bank maintained its accounting records in
dalam Rupiah (Rp). Transaksi-transaksi selama Indonesian Rupiah (Rp). Transactions during
tahun berjalan dalam mata uang asing dicatat the current year involving foreign currencies
dengan kurs yang berlaku pada saat terjadinya were recorded at the rates of exchange
transaksi. Pada tanggal laporan posisi prevailing at the time the transactions are
keuangan, aset dan liabilitas moneter dalam made. At the statement of financial position
mata uang asing dijabarkan ke dalam mata date, monetary assets and liabilities in foreign
uang Rupiah dengan menggunakan kurs currencies are converted into Rupiah using the
laporan (penutupan) yang diterapkan oleh Bank reporting (closing) rate determined by Bank
Indonesia berdasarkan kurs spot Reuters pada Indonesia based on the Reuters spot rate at
pukul 16.00 WIB (Waktu Indonesia Barat) yang 16.00 WIB (Western Indonesia Time) prevailing
berlaku pada tanggal tersebut. at that date.
Keuntungan dan kerugian selisih kurs yang Exchange gains and losses arising on
timbul dari transaksi dalam mata uang asing transactions in foreign currencies and from the
dan dari penjabaran aset dan liabilitas moneter translation of foreign currency monetary assets
dalam mata uang asing diakui pada laba rugi. and liabilities are recognized in the profit or
loss.
Selisih penjabaran mata uang asing atas efek Translation differences on debt securities and
utang dan aset moneter keuangan lain yang other monetary financial assets measured at
diukur berdasarkan nilai wajar dicatat sebagai fair value are included in foreign exchange
bagian dari keuntungan dan kerugian selisih gains and losses.
kurs.
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the
kurs mata uang asing yang digunakan adalah exchange rates used are as follows (full
sebagai berikut (nilai penuh): amount):
12
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023 2022
Dolar Amerika Serikat 15.397,00 15.567,50 United States Dollar
Dolar Australia 10.520,77 10.557,88 Australian Dollar
Dolar Hong Kong 1.970,73 1.996,55 Hong Kong Dollar
Dolar Singapura 11.676,34 11.592,88 Singapore Dollar
Euro Eropa 17.038,32 16.581,72 European Euro
Pound Sterling Inggris 19.626,56 18.786,09 Great Britain Pound Sterling
Won Korea 11,88 12,35 Korean Won
Yen Jepang 108,88 117,81 Japanese Yen
Yuan China 2.169,50 2.234,50 China Yuan
c. Transaksi dengan pihak-pihak berelasi c. Transactions with related parties
Dalam menjalankan usahanya, Bank melakukan In the normal course of its business, the Bank
transaksi dengan pihak-pihak berelasi seperti enters into transactions with related parties
yang didefinisikan dalam PSAK 7 (Revisi 2010): which are defined under SFAS 7 (Revised
“Pengungkapan Pihak-Pihak Berelasi”. PSAK ini 2010): “Related Party Disclosures”. This SFAS
mensyaratkan pengungkapan hubungan requires the disclosures of related party
dengan pihak berelasi, transaksi dan saldo relationship, transactions, and balances with
pihak-pihak berelasi, termasuk komitmen, dalam related parties, including commitments, in the
laporan keuangan Bank. Bank’s financial statements.
Pihak berelasi adalah orang atau entitas yang A related party is a person or an entity that is
terkait dengan entitas pelapor: related to the reporting entity:
a. Orang atau anggota keluarga dekatnya a. A person or a close member of that
mempunyai relasi dengan entitas pelapor person’s family is related to a reporting
jika orang tersebut: entity if that person:
i. Memiliki pengendalian atau i. Has control or joint control over the
pengendalian bersama atas entitas reporting entity;
pelapor;
ii. Memiliki pengaruh signifikan atas ii. Has significant influence over the
entitas pelapor; atau reporting entity; or
iii. Merupakan personil manajemen kunci iii. Is a member of the key management
entitas pelapor atau entitas induk dari personnel of the reporting entity or of a
entitas pelapor. parent of the reporting entity.
b. Suatu entitas berelasi dengan entitas b. An entity is related to the reporting entity if
pelapor jika memenuhi salah satu hal any of the following conditions applies:
berikut:
i. Entitas dan entitas pelapor adalah i. The entity and the reporting entity are
anggota dari kelompok usaha yang members of the same group (which
sama (artinya entitas induk, entitas means that each parent, subsidiary and
anak, dan sesama entitas anak saling fellow subsidiary is related to the
berelasi dengan lainnya); others);
ii. Satu entitas adalah entitas asosiasi ii. One entity is an associate or joint
atau ventura bersama dari entitas lain venture of the other entity (or an
(atau entitas asosiasi atau ventura associate or joint venture of a member
bersama yang merupakan anggota of a group of which the other entity is a
suatu kelompok usaha, dimana entitas member);
lain tersebut adalah anggotanya);
iii. Kedua entitas tersebut adalah ventura iii. Both entities are joint ventures of the
bersama dari pihak ketiga yang sama; same third party;
iv. Satu entitas adalah ventura bersama iv. One entity is a joint venture of a third
dari entitas ketiga dan entitas yang lain entity and the other entity is an
adalah entitas asosiasi dari entitas associate of the third entity;
ketiga;
13
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
v. Entitas tersebut adalah suatu program v. The entity is a post-employment benefit
imbalan pascakerja untuk imbalan kerja plan for the benefit of employees of
dari salah satu entitas pelapor atau either the reporting entity, or an entity
entitas yang terkait dengan entitas related to the reporting entity. If the
pelapor. Jika entitas pelapor adalah reporting entity in itself such a plan, the
entitas yang menyelenggarakan sponsoring employers are also related
program tersebut, maka entitas sponsor to the reporting entity;
juga berelasi dengan entitas pelapor;
vi. Entitas yang dikendalikan atau vi. The entity is controlled or jointly
dikendalikan bersama oleh orang yang controlled by a person identified in (a);
diidentifikasi dalam huruf (a);
vii. Orang yang diidentifikasi dalam huruf vii. A person identified in (a) (i) has
(a) (i) memiliki pengaruh signifikan atas significant influence over the entity or is
entitas atau merupakan personil a member of the key management
manajemen kunci entitas (atau entitas personnel of the entity (or a parent of
induk dari entitas); atau the entity); or
viii. Entitas atau anggota dari kelompok viii. The entity or any members of a group
dimana entitas merupakan bagian dari of which it is a part, provides key
kelompok tersebut, menyediakan jasa management personel service to the
personil manajemen kunci kepada reporting entity or to the parent of the
entitas pelapor atau kepada entitas reporting entity.
induk dari entitas pelapor.
Seluruh transaksi dan saldo yang signifikan All significant transactions and balances with
dengan pihak berelasi diungkapkan dalam related parties are disclosed in Note 29.
Catatan 29.
d. Aset dan liabilitas keuangan d. Financial assets and liabilities
Golongan (ditentukan oleh
Kategori yang didefinisikan oleh PSAK 71/Category as defined in SFAS 71 Bank)/Class (as determined Subgolongan/Subclasses
by the Bank)
Aset keuangan yang diukur pada nilai wajar melalui Efek-efek/Marketable securities
laba-rugi/ Financial assets at fair value through profit or
loss Tagihan derivatif/Derivative receivables
Investasi dalam saham
Giro pada Bank Indonesia/Current accounts with Bank Indonesia
Giro pada bank lain/Current accounts with other banks
Penempatan pada Bank Indonesia dan bank lain/Placements with Bank Indonesia and other banks
Tagihan akseptasi/Acceptance receivables
Aset keuangan/Financial Aset keuangan yang diukur pada biaya perolehan Kredit yang diberikan/Loans
Assets yang diamortisasi/Financial assets at amortized cost Bunga yang masih akan diterima/Accrued interest receivables
Tagihan terkait transaksi ATM/Receivables related to ATM transactions
Setoran jaminan/Guarantee deposits
Aset lain-lain/Other assets
Tagihan lainnya/Other receivables
Tagihan transaksi letters of credit (pembiayaan usance paid at sight/UPAS )/
Letters of credit transactions receivables (usance paid at sight/ UPAS financing)
Efek-efek/Marketable securities
Aset keuangan yang diukur pada nilai wajar melalui
penghasilan komprehensif lain/Financial assets at fair Efek-efek/Marketable securities
value through other comprehensive income
Liabilitas keuangan yang diukur pada nilai wajar melalui
laba-rugi/ Financial liabilities at fair value through profit Liabilitas derivatif/Derivative liabilities
or loss
Liabilitas segera/Obligation due immediately
Liabilitas akseptasi/Acceptance liabilities
Simpanan nasabah/Deposits from customers
Liabilitas Keuangan/ Simpanan dari bank lain/Deposits from other banks
Financial Liabilities Liabilitas keuangan yang diukur pada biaya perolehan
Bunga yang masih harus dibayar/Accrued interest payables
yang diamortisasi/Financial liabilities at amortized
Liabilitas lain-lain/ Other Setoran jaminan/Other deposits
cost
liabilities Liabilitas sewa/Lease liabilities
Kewajiban kepada pihak ketiga lainnya/ Other third parties liabilities
Surat berharga yang diterbitkan/Securities issued
Pinjaman yang diterima/Borrowings
Aset keuangan (selain dari investasi pada Financial assets (other than investment in
sukuk) sukuk)
Bank mengklasifikasikan aset keuangannya The Bank classifies its financial assets in the
berdasarkan kategori berikut pada saat following categories at initial recognition:
pengakuan awal:
14
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
• Aset keuangan yang diukur pada nilai wajar • • Financial assets measured at fair value
melalui laba rugi; through profit or loss;
• Aset keuangan yang diukur pada nilai wajar • Financial assets measured at fair value
melalui penghasilan komprehensif lain; through other comprehensive income;
• Aset keuangan yang diukur pada biaya • Financial assets measured at amortized
perolehan diamortisasi. cost.
Aset keuangan diklasifikasikan ke dalam salah Financial assets are classified into one of these
satu dari kategori ini berdasarkan model bisnis categories based on the business model within
dimana aset keuangan tersebut dimiliki serta which they are held, and their contractual cash
karakteristik arus kas kontraktualnya. Model flow characteristics. The business model
bisnis merefleksikan bagaimana kelompok aset reflects how a group of financial assets is
keuangan dikelola untuk mencapai tujuan bisnis managed to achieve a particular business
tertentu. objective.
Aset keuangan diukur pada biaya perolehan Financial assets are measured at amortized
diamortisasi jika memenuhi kondisi sebagai cost if they meet the following conditions:
berikut:
• Aset keuangan dikelola dalam model • • Financial assets are managed in a
bisnis yang bertujuan untuk memiliki aset business model that aims to have financial
keuangan dalam rangka mendapatkan assets in order to obtain contractual cash
arus kas kontraktual; dan flow; and
• Persyaratan kontraktual dari aset • The contractual terms of the financial
keuangan tersebut memberikan hak pada asset provide rights on a certain date for
tanggal tertentu atas arus kas yang cash flow obtained solely from payment of
diperoleh semata dari pembayaran pokok principal and interest (SPPI) on the
dan bunga (SPPI) dari jumlah pokok principal amount owed.
terutang.
Aset keuangan diukur pada nilai wajar melalui Financial assets are measured at fair value
penghasilan komprehensif lain jika memenuhi through other comprehensive income if they
kondisi sebagai berikut: meet the following conditions:
• Aset keuangan dikelola dalam model bisnis • • Financial assets are managed in a
yang bertujuan untuk mendapatkan arus business model that aims to obtain
kas kontraktual dan menjual aset contractual cash flow and sell financial
keuangan; dan assets; and
• Persyaratan kontraktual dari aset • The contractual requirements of the
keuangan tersebut memenuhi kriteria financial assets meet the SPPI criteria.
SPPI.
Aset keuangan lainnya yang tidak memenuhi Other financial assets that do not meet the
persyaratan untuk diklasifikasikan sebagai aset requirements to be classified as financial assets
keuangan yang diukur pada biaya perolehan measured at amortized cost or fair value
diamortisasi atau nilai wajar melalui penghasilan through other comprehensive income, are
komprehensif lain, diklasifikasikan sebagai classified as measured at fair value through
diukur pada nilai wajar melalui laba rugi. profit or loss.
Penilaian model bisnis Assessment of business models
Model bisnis ditentukan pada level yang The business model is determined at a level
mencerminkan bagaimana kelompok aset that reflects how groups of financial assets are
keuangan dikelola bersama-sama untuk managed together to achieve certain business
mencapai tujuan bisnis tertentu. objectives.
Penilaian model bisnis dilakukan dengan The evaluation of the business model is carried
mempertimbangkan, tetapi tidak terbatas pada, out by considering, but not limited to, the
hal-hal berikut: following:
• Bagaimana kinerja dari model bisnis dan • • How the performance of the business model
aset keuangan yang dimiliki dalam model and financial assets held in the business
15
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
bisnis dievaluasi dan dilaporkan kepada model are evaluated and reported to the key
personel manajemen kunci; management personnel;
• Apakah risiko yang mempengaruhi kinerja • What risks affect the performance of the
dari model bisnis (termasuk aset keuangan business model (including financial assets
yang dimiliki dalam model bisnis) dan held in the business model) and specifically
khususnya bagaimana cara aset keuangan how the financial assets are managed; and
tersebut dikelola; dan
• Bagaimana penilaian kinerja pengelola • How to evaluate the performance of
aset keuangan. managers of financial assets.
Penilaian mengenai arus kas kontraktual yang Evaluation of contractual cash flows obtained
diperoleh semata dari pembayaran pokok dan solely from payment of principal and interest
bunga
Untuk tujuan penilaian ini, pokok didefinisikan For the purpose of this valuation, principal is
sebagai nilai wajar dari aset keuangan pada defined as the fair value of financial assets at
saat pengakuan awal. Bunga didefinisikan initial recognition. Interest is defined as
sebagai imbalan untuk nilai waktu atas uang compensation for the time value of money and
dan risiko kredit terkait jumlah pokok terutang credit risk in relation to the principal amount
pada periode waktu tertentu dan juga risiko dan owed over a certain period of time and also the
biaya peminjaman standar, dan juga margin risk and standard borrowing costs, as well as
laba. profit margins.
Penilaian mengenai arus kas kontraktual yang An assessment of contractual cash flows
diperoleh semata dari pembayaran pokok dan obtained solely from principal and interest
bunga dilakukan dengan mempertimbangkan payments is made by considering contractual
persyaratan kontraktual, termasuk apakah aset terms, including whether financial assets
keuangan mengandung persyaratan kontraktual contain contractual terms that can change the
yang dapat mengubah waktu atau jumlah arus timing or amount of contractual cash flows. In
kas kontraktual. Dalam melakukan penilaian, performing the assessment, the Bank
Bank mempertimbangkan: considers:
• Peristiwa kontinjensi yang akan mengubah • • Contingency events that will change the
waktu atau jumlah arus kas kontraktual; timing or amount of contractual cash flow;
• Fitur leverage; • Leverage feature;
• Persyaratan pembayaran di muka dan • Terms of advance payment and contractual
perpanjangan kontraktual; extension;
• Persyaratan mengenai klaim yang terbatas • Requirements regarding limited claims for
atau arus kas yang berasal dari aset spesifik; cash flows from specific assets; and
dan
• Fitur yang dapat mengubah nilai waktu dari • Features that can change the time value of
elemen uang. money element.
Aset keuangan (investasi pada sukuk) Financial assets (investment in sukuk)
Klasifikasi atas investasi pada sukuk adalah The classification of investment in sukuk is as
sebagai berikut: follows:
• Aset keuangan yang diukur pada biaya • • Financial assets measured at amortized
perolehan; cost;
• Aset keuangan yang diukur pada nilai wajar • Financial assets at fair value through other
melalui penghasilan komprehensif lain; dan comprehensive income; and
• Aset keuangan yang diukur pada nilai wajar • Financial assets at fair value through profit
melalui laba rugi. or loss.
Diukur pada biaya perolehan Measured at amortized cost
Investasi tersebut dimiliki dalam suatu model The investment is held within a business model
usaha yang bertujuan utama untuk memperoleh that aims to acquire assets of contractual cash
arus kas kontraktual dan terdapat persyaratan and there is a contractual requirement to
kontraktual dalam menentukan tanggal tertentu determine the specific date of principal
atas pembayaran pokok dan/atau hasilnya. payments and/or the result.
16
Page 620
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Biaya perolehan termasuk biaya transaksi, dan The acquisition cost includes transaction cost,
selisih antara biaya perolehan dan nilai nominal and the difference between acquisition cost and
diamortisasi secara garis lurus selama jangka nominal value is amortized using straight-line
waktu sukuk dan diakui pada laba rugi. method during the period of sukuk and
recognized in the profit or loss.
Nilai wajar melalui penghasilan komprehensif Fair value through other comprehensive income
lain
Investasi tersebut dimiliki dalam suatu model The investment is held within a business model
usaha yang bertujuan utama untuk memperoleh whose objective is achieved by collecting
arus kas kontraktual dan melakukan penjualan contractual cash flow and selling sukuk, the
sukuk, terdapat persyaratan kontraktual dalam contractual terms give rise on specified dates to
menentukan tanggal tertentu atas pembayaran payment of principal and/or the result.
pokok dan/atau hasilnya.
Biaya perolehan termasuk biaya transaksi, dan The acquisition cost includes transaction cost,
selisih antara biaya perolehan dan nilai nominal and the difference between acquisition cost and
diamortisasi secara garis lurus selama jangka nominal value are amortized using straight-line
waktu sukuk dan diakui dalam laba rugi. method during the term of sukuk and
recognized in the profit or loss.
Keuntungan atau kerugian dari perubahan nilai Gain or loss from changes in fair value shall be
wajar diakui dalam penghasilan komprehensif recognized in other comprehensive income
lain setelah memperhitungkan saldo selisih after considering the difference between
biaya perolehan dan nilai nominal yang belum acquisition cost and unamortized nominal value
diamortisasi dan saldo akumulasi keuntungan and accumulated realized gain or loss of fair
atau kerugian nilai wajar yang telah diakui value that previously recognized in other
dalam penghasilan komprehensif lain comprehensive income. When the sukuk is
sebelumnya. Ketika investasi sukuk dihentikan derecognized, the cumulative gain or loss
pengakuannya, akumulasi keuntungan atau previously reported in equity is reclassified to
kerugian yang sebelumnya diakui dalam profit or loss.
penghasilan komprehensif lain direklasifikasi ke
laba rugi.
Biaya perolehan sukuk termasuk biaya The acquisition cost of sukuk includes
transaksi, dan selisih antara nilai wajar dan transaction cost, and the difference between
jumlah tercatat diakui dalam laba rugi. fair value and carrying amount is recognized in
the profit or loss.
e. Metode suku bunga efektif e. Effective interest rate method
Metode suku bunga efektif adalah metode yang The effective interest method is a method of
digunakan untuk menghitung biaya perolehan calculating the amortized cost of a financial
diamortisasi dari instrumen keuangan dan instrument and of allocating interest income
metode untuk mengalokasikan pendapatan and interest expense over the relevant period.
bunga dan beban bunga selama periode yang
relevan.
Suku bunga efektif adalah suku bunga yang The effective interest rate is the rate that
secara tepat mendiskontokan estimasi exactly discounts estimated future cash
penerimaan kas di masa datang selama payments and receipts through the expected
perkiraan umur instrumen keuangan, atau, jika life of the financial instrument, or, where
lebih tepat, digunakan periode yang lebih appropriate, a shorter period to obtain the
singkat untuk memperoleh nilai tercatat bersih carrying amount of the financial assets.
dari aset keuangan pada saat pengakuan awal.
17
Page 621
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Perhitungan dari suku bunga efektif termasuk The calculation of the effective interest rate
semua fee dan pembayaran atau penerimaan includes all fees and points paid or received
poin yang merupakan bagian integral dari suku which is an integral part of the effective interest
bunga efektif. Biaya transaksi termasuk biaya rate. Transaction costs include incremental cost
incremental yang secara langsung berkaitan which is directly attributable to the acquisition or
dengan akuisisi atas penerbitan aset atau issuance of financial assets or liabilities.
liabilitas keuangan.
Pendapatan diakui berdasarkan suku bunga Income is recognized on an effective interest
efektif untuk instrumen keuangan selain dari basis for financial instruments other than those
instrumen keuangan yang dicatat pada nilai financial instruments carried at fair value
wajar melalui laba rugi. through profit or loss.
f. Cadangan kerugian penurunan nilai aset f. Allowance for impairment losses on
keuangan financial assets
Bank mengukur cadangan kerugian penuruan Bank measures allowance for impairment
nilai atas kerugian kredit ekspektasian pada losses on expected credit losses of financial
aset keuangan yang diukur pada biaya assets that are measured at amortized cost, fair
perolehan diamortisasi, aset keuangan yang value through other comprehensive income,
diukur pada nilai wajar melalui penghasilan loan commitments, and financial guarantee
komprehensif lain, komitmen pinjaman, dan contract.
kontrak jaminan keuangan.
Bank mengukur cadangan kerugian penurunan The Bank measures allowance for impairment
nilai instrumen keuangan sejumlah kerugian losses for a financial instrument at an amount
kredit ekspektasian sepanjang umurnya, jika equal to the lifetime expected credit losses, if
risiko kredit atas instrumen keuangan tersebut the credit risk on that financial instruments has
telah meningkat secara signifikan sejak increased significantly since initial recognition,
pengakuan awal, dengan mempertimbangkan considering all reasonable and supportable
semua informasi yang wajar dan terdukung, information, including that which is forward-
termasuk informasi yang bersifat perkiraan looking. Credit risk on a financial asset is
masa depan. Risiko kredit suatu aset keuangan presumed to have increased significantly since
dianggap telah meningkat secara signifikan initial recognition when contractual payments
sejak pengakuan awal ketika pembayaran are more than 30 days past due.
kontraktual tertunggak lebih dari 30 hari.
Jika pada tanggal pelaporan, risiko kredit atas If, at the reporting date, the credit risk on a
instrumen keuangan tidak meningkat secara financial instrument has not increased
signifikan sejak pengakuan awal, Bank significantly since initial recognition, the Bank
mengukur cadangan kerugian penurunan nilai shall measure the allowance for impairment
untuk instrumen keuangan tersebut sejumlah losses for a financial instrument at an amount
kredit ekspektasian 12 bulan. equal to 12-month expected credit losses.
Bank mengukur kerugian kredit ekspektasian The Bank measures expected credit losses of a
dari instrumen keuangan dalam suatu cara yang financial instrument in a way that reflects:
mencerminkan:
• jumlah yang tidak bias dan rata-rata • • an unbiased and probability-weighted
probabilitas tertimbang yang ditentukan amount that is determined by evaluating a
dengan mengevaluasi serangkaian range of possible outcomes;
kemungkinan yang dapat terjadi;
• nilai waktu uang; dan • the time value of money; and
• informasi yang wajar dan terdukung yang • reasonable and supportable information that
tersedia tanpa biaya atau upaya berlebihan is available without undue cost or effort at the
pada tanggal pelaporan mengenai peristiwa reporting date about past events, current
masa lalu, kondisi kini, dan perkiraan kondisi conditions, and forecasts of future economic
ekonomi masa depan. conditions.
18
Page 622
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Aset keuangan dialokasikan ke salah satu dari Financial assets have to be allocated to one of
tiga tahap penurunan nilai dengan menentukan the three impairment stages by determining
apakah terjadi peningkatan risiko yang whether a significant increase in credit risk has
signifikan atas instrumen keuangan sejak occurred on financial instrument since initial
pengakuan awal: recognition:
• Tahap 1: instrumen keuangan yang tidak • • Stage 1: financial instruments that have not
memiliki peningkatan signifikan atas risiko had a significant increase in credit risk since
kredit sejak pengakuan awal; initial recongition;
• Tahap 2: instrumen keuangan yang • Stage 2: financial instruments that have had
mengalami peningkatan signifikan atas risiko a significant increase in credit risk since initial
kredit sejak pengakuan awal, tetapi tidak recongition but do not have objective
memiliki bukti objektif penurunan nilai; dan evidence of impairment; and
• Tahap 3: instrumen keuangan yang memiliki • Stage 3: financial instruments that have
bukti objektif penurunan nilai. objective evidence of impairment.
Cadangan kerugian penurunan nilai dihitung Allowance for impairment loss is calculated
secara individual untuk aset keuangan yang individually for financial assets that are
signifikan secara individual serta kolektif untuk individually significant and collectively for
aset yang secara individual tidak signifikan dan assets that are individually not significant and
secara individual signifikan tetapi tidak terdapat individually significant but there is no objective
bukti objektif penurunan nilai. evidence of impairment.
Dalam melakukan penilaian secara kolektif, In conducting collective assessment, the Bank
Bank menggunakan model perhitungan uses expected credit loss models that utilize the
kerugian kredit ekspektasian yang probability of default (PD), loss given default
menggunakan matriks probability of default (LGD), and exposure at default (EAD) metrics,
(PD), loss given default (LGD), dan exposure at discounted using the effective interest rate.
default (EAD), yang didiskontokan
menggunakan suku bunga efektif.
i. Probability of Default (PD) - model ini menilai i. Probability of Default (PD) - this model
Probabilitas yang timbul di suatu waktu assesses the probability at a point in time
dimana debitur mengalami gagal bayar, that a counterparty will default, estimated
diestimasi sampai dengan periode 12 bulan over up to 12 months from the reporting date
dari tanggal laporan (stage 1) atau (stage 1) or over the lifetime of the asset
sepanjang umur aset (stage 2) dengan (stage 2) taking into account impact of
memperhitungkan dampak asumsi ekonomi forward-looking economic assumptions that
masa depan yang memiliki risiko kredit. have an effect on credit risk.
ii. Loss Given Default (LGD) - Bank ii. Loss Given Default (LGD) - the Bank
mengestimasi kerugian ekonomis yang estimates economic losses that may be
mungkin akan diderita Bank apabila terjadi suffered by the Bank if there are arrears in
tunggakan fasilitas kredit. LGD credit facility. LGD describes the amount of
menggambarkan jumlah utang yang tidak debt that may not be recovered and is
dapat diperoleh kembali dan umumnya generally expressed as a percentage of the
ditunjukkan dalam persentase dari exposure exposure at default (EAD). The LGD
at default (EAD). Model Perhitungan LGD calculation model considers the type of
mempertimbangkan jenis peminjam, fasilitas, borrower, facility, and any risk mitigation
dan mitigasi risiko, misalnya ketersediaan such as availability of collaterals.
agunan.
iii. Exposure at Default (EAD) - Bank iii. Exposure at Default (EAD) - The expected
memperkirakan nilai eksposur neraca pada balance sheet exposure at the time of
saat gagal bayar dengan mempertimbangkan default, taking into account that expected
bahwa perubahan ekspektasi yang change in exposure over the lifetime of the
diharapkan selama masa eksposur. Hal ini exposure. This incorporates the impact of
menggabungkan dampak penarikan fasilitas drawdowns of committed facilities,
yang dilakukan, pembayaran pokok dan repayments of principal and interest,
bunga, amortisasi dan pembayaran di muka, amortization and prepayments, together with
bersama dengan dampak asumsi ekonomi the impact of forward looking economic
19
Page 623
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
masa depan jika relevan. Untuk menentukan assumptions where relevant. To determine
kerugian kredit ekspektasian, komponen- the expected credit loss, these components
komponen ini akan diperhitungkan secara are multiplied together and discounted to the
bersama-sama dan didiskontokan ke tanggal statement of financial position date using the
laporan keuangan menggunakan suku bunga effective interest rate.
efektif.
Cadangan kerugian penurunan nilai diakui pada An allowance for impairment losses is
saat pengakuan awal untuk seluruh instrumen recognized at the time of initial recognition for
keuangan yang masuk dalam cakupan all financial instruments that are in the scope of
cadangan kerugian penurunan nilai sehubungan expected credit loss in respect of default events
dengan adanya peristiwa gagal bayar yang that may occur over the next 12 months (so-
dapat timbul dalam periode waktu 12 bulan ke called ‘stage 1 assets’ with allowances
depan (disebut sebagai stage 1 dengan equivalent to 12-months expected credit
cadangan kerugian senilai kerugian kredit losses). ECL continues to be determined on
ekspektasian 12 bulan). Cadangan kerugian this basis until there is either a significant
penurunan nilai akan terus dihitung berdasarkan increase in credit risk on criteria set by the
basis ini sampai terdapat bukti peningkatan Bank or the asset becomes credit impaired.
risiko kredit yang signifikan sesuai kriteria yang
ditetapkan Bank atau aset mengalami
penurunan nilai.
Cadangan kerugian penurunan nilai disajikan Allowance for impairment losses is presented in
dalam laporan posisi keuangan sebagai berikut: the statement of financial positions as follows:
• Aset keuangan yang diukur pada biaya • • For financial assets measured at amortized
perolehan diamortisasi, cadangan kerugian cost, allowance for impairment losses is
penurunan nilai disajikan sebagai pengurang presented as a deduction from the gross
dari jumlah tercatat bruto aset; carrying amount of the asset;
• Komitmen pinjaman dan kontrak jaminan • For loan commitments and financial
keuangan, cadangan kerugian penurunan guarantee contract, allowance for impairment
nilai disajikan sebagai estimasi kerugian atas losses is presented as estimated losses on
komitmen dan kontinjensi; commitments and contingencies;
• Aset keuangan yang diukur pada nilai wajar • Financial assets measured at fair value
melalui penghasilan komprehensif lain, through other comprehensive income,
cadangan kerugian penurunan nilai diakui allowance for impairment losses is presented
dalam penghasilan komprehensif lain. as other comprehensive income.
Kriteria yang digunakan oleh Bank untuk The criteria used by the Bank to determine that
menentukan bukti objektif penurunan nilai there is objective evidence of impairment
adalah sebagai berikut: include:
i. Kesulitan keuangan signifikan yang dialami vii.i. Significant financial difficulty of the issuer or
penerbit atau pihak peminjam; atau counterparty; or
ii. Pelanggaran kontrak, seperti terjadinya ii. Default or delinquency in interest or principal
wanprestasi atau tunggakan pembayaran payments; or
pokok atau bunga; atau
iii. Terdapat kemungkinan bahwa pihak iii. It is becoming probable that the borrower will
peminjam akan dinyatakan pailit atau enter bankruptcy or financial re-
melakukan reorganisasi keuangan; atau organisation; or
iv. Pihak pemberi pinjaman, dengan alasan iv. The lender, for economic or legal reasons
ekonomi atau hukum sehubungan dengan relating to the borrower’s financial difficulty,
kesulitan keuangan yang dialami pihak grants the borrower a concession that the
peminjam, memberikan keringanan (konsesi) lender would not otherwise consider; or
pada pihak peminjam yang tidak mungkin
diberikan jika pihak peminjam tidak
mengalami kesulitan tersebut; atau
v. Hilangnya pasar aktif dari aset keuangan v. The disappearance of an active market for
akibat kesulitan keuangan; atau that financial asset; or
20
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
vi. Data yang dapat diobservasi vi. Observable data indicating that there is a
mengindikasikan adanya penurunan yang measurable decrease in the estimated future
dapat diukur atas estimasi arus kas masa cash flows from a portfolio of financial assets
datang dari kelompok aset keuangan sejak since the initial recognition of those assets,
pengakuan awal aset dimaksud, meskipun although the decrease cannot yet be
penurunannya belum dapat diidentifikasi identified with the individual financial assets
terhadap aset keuangan secara individual in the portfolio, including:
dalam kelompok aset tersebut, termasuk:
- Memburuknya status pembayaran pihak - Adverse changes in the payment status of
peminjam dalam kelompok tersebut; dan borrowers in the portfolio; and
- Kondisi ekonomi nasional atau lokal yang - National or local economic conditions that
berkorelasi dengan wanprestasi atas aset correlate with defaults on the assets in the
dalam kelompok tersebut. portfolio.
Estimasi periode antara terjadinya peristiwa dan The estimated period between the occurrence
teridentifikasinya kerugian ditentukan oleh of the event and identification of loss is
manajemen untuk setiap portofolio yang determined by management for each identified
diidentifikasi. Pada umumnya, periode tersebut portfolio. In general, the periods used vary
bervariasi antara 3 (tiga) sampai 12 (dua belas) between 3 (three) months and 12 (twelve)
bulan, untuk kasus tertentu diperlukan periode months; in exceptional cases, longer periods
yang lebih lama. are warranted.
Aset keuangan yang tidak dinilai secara Financial assets that are not assessed
individual dan dinilai secara individual namun individually and financial assets assessed
tidak terdapat penurunan nilai yang diakui, individually but no impairment was recognized,
dievaluasi secara kolektif. are evaluated collectively.
Cadangan kerugian penurunan nilai dihitung Allowance for impairment loss is calculated
secara individual untuk aset keuangan yang individually for financial assets that are
signifikan secara individual serta kolektif untuk individually significant and collectively for
aset yang secara individual tidak signifikan dan assets that are individually not significant and
secara individual signifikan tetapi tidak terdapat individually significant but there is no objective
bukti objektif penurunan nilai. Di dalam evidence of impairment. In determining
menentukan penurunan nilai kolektif, aset collective impairment, financial assets are
keuangan dikelompokkan pada kelompok aset grouped into groups of financial assets based
keuangan berdasarkan karakteristik risiko kredit on similar credit risk characteristics. Future
yang serupa. Arus kas masa depan dari cash flow from a group of financial assets is
kelompok aset keuangan ini diestimasi estimated based on contractual cash flows and
berdasarkan arus kas kontraktual dan historical loss experience for assets that have
pengalaman kerugian historis untuk aset yang similar credit risk characteristics. Historical loss
memiliki karakteristik risiko kredit yang serupa. experience is adjusted based on data
Pengalaman historis kerugian disesuaikan observations in the present, to reflect the
berdasarkan hasil pengamatan data pada masa effects of current conditions that do not affect
kini, untuk merefleksikan efek dari kondisi masa the period of historical experience.
kini yang tidak mempengaruhi periode dari
pengalaman historis.
Dalam melakukan penilaian secara kolektif, In conducting collective assessment, the Bank
Bank menghitung: calculates:
i. Probability of Default (PD) - model ini i. Probability of Default (PD) - this model
menilai probabilitas debitur gagal assesses the probability of debtors failing to
melakukan pembayaran kembali secara repay fully and on time;
penuh dan tepat waktu;
ii. Recoverable amount - didasarkan pada ii. Recoverable amount - based on
identifikasi arus kas masa datang dan identification of future cash flows and
estimasi nilai kini dari arus kas tersebut estimation of the present value of those
(discounted cash flow); cash flows (discounted cash flow);
iii. Loss Given Default (LGD) - Bank iii. Loss Given Default (LGD) - the Bank
mengestimasi kerugian ekonomis yang estimates economic losses that may be
21
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
mungkin akan diderita Bank apabila terjadi suffered by the Bank if there are arrears in
tunggakan fasilitas kredit. LGD credit facility. LGD describes the amount of
menggambarkan jumlah utang yang tidak debt that may not be recovered and is
dapat diperoleh kembali dan umumnya generally expressed as a percentage of the
ditunjukkan dalam persentase dari exposure exposure at default (EAD). The LGD
at default (EAD). Model Perhitungan LGD calculation model considers the type of
mempertimbangkan jenis peminjam, borrower, facility, and any risk mitigation
fasilitas, dan mitigasi risiko, misalnya such as availability of collateral; and
ketersediaan agunan; dan
iv. Exposure at Default (EAD) - Bank iv. Exposure at Default (EAD) - the Bank
mengestimasi tingkat utilisasi yang estimates the expected utilization level of
diharapkan dari fasilitas kredit pada saat credit facilities in the event of arrears.
terjadi tunggakan.
PD, LGD, dan Loss Identification Period (LIP) PD, LGD, and Loss Identification Period (LIP)
diperoleh dari observasi data fasilitas kredit are derived from observation of credit facility
selama minimal tiga tahun. data for at least three years.
Cadangan kerugian penurunan nilai yang dinilai Allowance for impairment losses collectively
secara kolektif dilakukan dengan mengalikan assessed is performed by multiplying the
saldo fasilitas kredit pada posisi laporan dengan outstanding credit facility at report date by the
PD, LIP, dan LGD. PD, LIP, and LGD.
Kerugian penurunan nilai diakui pada laba rugi The impairment loss is recognized in the profit
dan nilai tercatat dari aset keuangan atau or loss and the carrying amount of the financial
kelompok aset keuangan dikurangi dengan asset or group of financial assets less
cadangan kerugian penurunan nilai yang allowance for impairment losses reserved. If in
terbentuk. Apabila pada periode berikutnya the next period the amount of any impairment
jumlah kerugian penurunan nilai berkurang dan loss decreases and the decrease can be linked
pengurangan tersebut dapat dikaitkan secara objectively to events occurring after impairment
objektif pada peristiwa yang terjadi setelah loss is recognized, then the impairment loss
penurunan nilai diakui, maka kerugian previously recognized must be reversed, either
penurunan nilai yang sebelumnya diakui harus directly or by adjusting the amount of allowance
dipulihkan, baik secara langsung atau dengan for impairment loss.
menyesuaikan cadangan kerugian penurunan
nilai.
Pada saat penurunan nilai diakui dalam aset When impairment losses are recognized in the
keuangan atau kelompok aset keuangan, financial asset or group of financial assets,
pendapatan bunga diakui berdasarkan nilai interest income is recognized based on the
tercatat setelah penurunan nilai menggunakan carrying amount after impairment using the
tarif bunga yang digunakan untuk interest rate used for discounting the estimated
mendiskontokan estimasi arus kas masa datang future cash flow when calculating impairment.
pada saat menghitung penurunan nilai.
Untuk aset keuangan yang diukur pada biaya For financial assets carried at amortized cost,
perolehan yang diamortisasi, jumlah kerugian the amount of the impairment is the difference
penurunan nilai merupakan selisih antara nilai between the financial asset’s carrying amount
tercatat aset keuangan dengan nilai kini dari and the present value of estimated future cash
estimasi arus kas masa datang yang flows, discounted at the effective interest rate at
didiskontokan menggunakan tingkat suku bunga initial recognition.
efektif saat pengakuan awal dari aset
keuangan.
Jika aset keuangan diukur pada nilai wajar When a fair value through other comprehensive
melalui penghasilan komprehensif lain dianggap income financial asset is considered to be
menurun nilainya, keuntungan atau kerugian impaired, cumulative gains or losses previously
22
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
kumulatif yang sebelumnya telah diakui dalam recognized in equity are reclassified to profit or
ekuitas direklasifikasi ke laba rugi dalam tahun loss in the related year.
yang bersangkutan.
Pengecualian dari instrumen ekuitas diukur With the exception of fair value through other
pada nilai wajar melalui penghasilan comprehensive income equity instruments, if, in
komprehensif lain, jika, pada periode a subsequent period, the amount of the
berikutnya, jumlah penurunan nilai berkurang impairment loss decreases and the decrease
dan penurunan dapat dikaitkan secara objektif can be related objectively to an event occurring
dengan sebuah peristiwa yang terjadi setelah after the impairment was recognized, the
penurunan nilai tersebut diakui, kerugian previously recognized impairment loss is
penurunan nilai yang sebelumnya diakui reversed through profit or loss to the extent that
dipulihkan melalui laba rugi hingga nilai tercatat the carrying amount of the investment at the
investasi pada tanggal pemulihan penurunan date the impairment is reversed does not
nilai tidak melebihi biaya perolehan diamortisasi exceed what the amortized cost would have
sebelum pengakuan kerugian penurunan nilai been had the impairment not been recognized.
dilakukan.
Dalam hal efek ekuitas diukur pada nilai wajar In respect of fair value through other
melalui penghasilan komprehensif lain, kerugian comprehensive income equity securities,
penurunan nilai yang sebelumnya diakui dalam impairment losses previously recognized in the
laba rugi tidak boleh dipulihkan melalui laba profit or loss are not reversed through profit or
rugi. Setiap kenaikan nilai wajar setelah loss. Any increase in fair value subsequent to
penurunan nilai diakui secara langsung ke an impairment loss is recognized directly in
penghasilan komprehensif lain. other comprehensive income.
g. Penghentian pengakuan aset keuangan g. Derecognition of financial assets
Bank menghentikan pengakuan aset keuangan, The Bank derecognizes a financial asset if, and
jika dan hanya jika, hak kontraktual untuk only if, the contractual rights to receive cash
menerima arus kas yang berasal dari aset flows from the financial asset have expired or
keuangan tersebut berakhir atau Bank the Bank has transferred their rights to receive
mentransfer hak untuk menerima arus kas yang cash flows from the financial asset or have
berasal dari aset keuangan atau menanggung assumed an obligation to pay the received cash
kewajiban untuk membayarkan arus kas yang flows in full without material delay to a third
diterima tersebut secara penuh tanpa party under a ‘pass-through’ arrangement and
penundaan yang signifikan kepada pihak ketiga either (i) the Bank has transferred substantially
berdasarkan kesepakatan pelepasan (pass- all the risks and rewards of the asset or (ii) the
through arrangement) dan (i) Bank telah Bank has neither transferred nor retained
mentransfer secara substansial seluruh risiko substantially all the risks and rewards of the
dan manfaat atas aset atau (ii) Bank tidak asset, but has transferred control of the asset.
mentransfer maupun tidak memiliki secara
substansial seluruh risiko dan manfaat atas
aset, tetapi telah mentransfer pengendalian atas
aset tersebut.
Jika Bank mentransfer hak untuk menerima When the Bank has transferred their rights to
arus kas yang berasal dari suatu aset keuangan receive cash flows from a financial asset or has
atau melakukan kesepakatan pelepasan dan entered into a pass-through arrangement and
tidak mentransfer atau tidak memiliki secara has neither transferred nor retained
substansial seluruh risiko dan manfaat atas aset substantially all the risks and rewards of the
tersebut, atau tidak mentransfer pengendalian asset nor transferred control of the asset, the
atas aset tersebut, aset diakui sebesar asset is recognized to the extent of the Bank’s
keterlibatan berkelanjutan Bank atas aset continuing involvement in the asset. In that
tersebut. Dalam hal ini, Bank juga mengakui case, the Bank also recognizes an associated
liabilitas terkait. Aset yang ditransfer dan liability. The transferred asset and the
liabilitas terkait diukur dengan dasar yang associated liability are measured on a basis
mencerminkan hak dan kewajiban yang masih that reflects the rights and obligations that the
dimiliki Bank. Bank has retained.
23
Page 627
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Kredit atau aset keuangan lain dihapusbukukan Loans or other financial assets are written-off
ketika tidak terdapat prospek yang realistis when there is no realistic prospect of collection
mengenai pengembalian kredit atau hubungan in the near future or the normal relationship
normal antara Bank dan debitur telah berakhir. between the Bank and the borrowers has
Ketika kredit tidak dapat dilunasi maka akan ceased to exist. When a loan is deemed
dihapusbukukan dengan mendebit cadangan uncollectible, it is written- off against the related
kerugian penurunan nilai. allowance for impairment losses.
Penerimaan kemudian atas kredit yang telah Subsequent recoveries from loans previously
dihapusbukukan sebelumnya diakui sebagai written-off are recognized as other operating
pendapatan operasional lainnya. income.
h. Liabilitas keuangan dan instrumen ekuitas h. Financial liabilities and equity instruments
Klasifikasi sebagai liabilitas atau ekuitas Classification as debt or equity
Liabilitas keuangan dan instrumen ekuitas yang Financial liabilities and equity instruments
diterbitkan oleh Bank diklasifikasi sesuai issued by the Bank are classified according to
dengan substansi perjanjian kontraktual dan the substance of the contractual arrangements
definisi liabilitas keuangan dan instrumen entered into and the definitions of a financial
ekuitas. liability and an equity instrument.
Instrumen ekuitas Equity instruments
Instrumen ekuitas adalah setiap kontrak yang An equity instrument is any contract that
memberikan hak residual atas aset Bank evidences a residual interest in the assets of
setelah dikurangi dengan seluruh liabilitasnya. the Bank after deducting all of its liabilities.
Instrumen ekuitas dicatat sebesar hasil Equity instruments are recorded at the
penerimaan bersih setelah dikurangi biaya proceeds received, net of direct issuance costs.
penerbitan langsung.
Liabilitas keuangan Financial liabilities
Liabilitas keuangan Bank diklasifikasikan The Bank’s financial liabilities are classified as
sebagai berikut: follows:
• Nilai wajar melalui laba rugi; atau • • Fair value through profit or loss;or
• Diukur pada biaya perolehan yang • Measured at amortized cost.
diamortisasi.
Nilai wajar melalui laba rugi Fair value through profit or loss
Liabilitas keuangan diklasifikasi dalam nilai Financial liabilities are classified as at fair value
wajar melalui laba rugi, jika liabilitas keuangan through profit or loss where the financial liability
sebagai kelompok diperdagangkan atau pada is either held-for-trading or designated upon
saat pengakuan awal ditetapkan untuk diukur initial recognition as at fair value through profit
pada nilai wajar melalui laba rugi. or loss.
Liabilitas keuangan diklasifikasikan sebagai A financial liability is classified as held-for-
kelompok diperdagangkan, jika: trading if:
• Diperoleh atau dimiliki terutama untuk tujuan • • It has been acquired principally for the
dibeli kembali dalam waktu dekat; atau purpose of repurchase in the near future; or
• Merupakan bagian dari portofolio instrumen • It is part of an identified portfolio of financial
keuangan tertentu yang dikelola bersama dan instruments that the Bank manages together
terdapat bukti mengenai pola ambil untung and has a recent actual pattern of short-term
dalam jangka pendek yang terkini; atau profit-taking; or
• Merupakan derivatif yang tidak ditetapkan • It is a derivative that is neither designated
dan tidak efektif sebagai instrumen lindung nor effective hedging instrument.
nilai.
24
Page 628
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Liabilitas keuangan selain liabilitas keuangan A financial liability other than a financial liability
yang diperdagangkan, dapat ditetapkan sebagai held for trading may be designated as at fair
nilai wajar melalui laba rugi pada saat value through profit or loss upon initial
pengakuan awal, jika: recognition, if:
• Penetapan tersebut mengeliminasi atau • • Such designation eliminates or significantly
mengurangi secara signifikan ketidak- reduces a measurement or recognition
konsistenan pengukuran dan pengakuan inconsistency that would otherwise arise; or
yang dapat timbul; atau
• Liabilitas keuangan merupakan bagian dari • The financial liability forms part of a group of
kelompok liabilitas keuangan, yang dikelola financial liabilities, which is managed and its
dan kinerjanya berdasarkan nilai wajar, performance is evaluated on a fair value
sesuai dengan dokumentasi manajemen basis, in accordance with the Bank
risiko atau strategi investasi Bank dan documented risk management or investment
informasi tentang kelompok tersebut strategy, and information about the grouping
disediakan secara internal kepada is provided internally on that basis; or
manajemen kunci; atau
• Merupakan bagian dari kontrak yang • It forms part of a contract containing one or
mengandung satu atau lebih derivatif more embedded derivatives.
melekat.
Pada saat pengakuan awal, liabilitas keuangan At initial recognition, financial liabilities
yang diukur pada nilai wajar melalui laba rugi, measured at fair value through profit and loss
diakui pada nilai wajarnya. Pengukuran are recognized at fair value. Subsequently,
berikutnya dinilai pada nilai wajar. Keuntungan these financial liabilities are measured at fair
dan kerugian yang timbul pada liabilitas value. Gains or losses arising from changes in
keuangan yang diukur pada nilai wajar melalui fair value of financial liabilities measured at fair
laba rugi diakui pada laba rugi. value through profit or loss are recognized in
the profit or loss.
Liabilitas keuangan diukur pada biaya Financial liabilities measured at amortized cost
perolehan yang diamortisasi
Pada saat pengakuan awal, liabilitas keuangan At initial recognition, financial liabilities
yang diukur pada biaya perolehan yang measured at amortized cost are recognized at
diamortisasi diakui pada nilai wajarnya. Nilai fair value. The fair value is reduced by
wajar tersebut dikurangi biaya transaksi yang transaction costs which are directly attributable
dapat diatribusikan secara langsung dengan to the issuance of such financial liabilities.
penerbitan liabilitas keuangan tersebut. Subsequently, these financial liabilities are
Pengukuran selanjutnya diukur pada biaya measured at amortized cost using the effective
perolehan diamortisasi dengan menggunakan interest rate method, where interest expense is
metode suku bunga efektif, dimana beban recognized based on the rate of effective return,
bunga diakui berdasarkan tingkat pengembalian except for short-term liabilities when the
yang efektif, kecuali untuk liabilitas jangka recognition of interest would be immaterial.
pendek dimana pengakuan bunganya tidak
material.
i. Nilai wajar instrumen keuangan i. Fair value of financial instruments
Nilai wajar adalah harga yang akan diterima Fair value is the price that would be received to
untuk menjual suatu aset atau harga yang akan sell an asset or paid to transfer a liability in an
dibayar untuk mengalihkan suatu liabilitas orderly transaction between market participants
dalam suatu transaksi teratur antara pelaku at measurement date.
pasar pada tanggal pengukuran.
Jika tersedia, Bank mengukur nilai wajar dari When available, the Bank measures the fair
suatu instrumen dengan menggunakan harga value of an instrument using quoted prices in an
kuotasi di pasar aktif untuk instrumen terkait. active market for that instrument. A market is
Suatu pasar dianggap aktif bila harga yang regarded as active if quoted prices are readily
dikuotasikan tersedia sewaktu-waktu dari bursa, and regularly available from an exchange,
25
Page 629
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
pedagang efek (dealer), perantara efek (broker), dealer, broker, industry group, pricing service or
kelompok industri, badan pengawas (pricing regulatory agency and those prices represent
service or regulatory agency) dan harga actual and regularly occurring market
tersebut merupakan transaksi pasar aktual dan transaction on an arm’s length basis.
teratur terjadi yang dilakukan secara wajar.
Jika pasar untuk instrumen keuangan tidak aktif, If a market for a financial instrument is not
Bank menetapkan nilai wajar dengan active, the Bank establishes fair value using a
menggunakan teknik penilaian. Teknik penilaian valuation technique. Valuation techniques
meliputi penggunaan transaksi pasar terkini include using the recent arm’s length
yang dilakukan secara wajar oleh pihak- pihak transactions between knowledgeable and
yang mengerti, berkeinginan (jika tersedia), willing parties (if available), reference to the
referensi atas nilai wajar terkini dari instrumen current fair value of other instruments that are
lain yang secara substansial serupa, dan substantially the same and discounted cash
analisis arus kas yang didiskonto. flow analysis.
Aset keuangan yang dimiliki atau liabilitas yang Financial assets held or liabilities to be issued
akan diterbitkan diukur dengan menggunakan are measured at bid price; financial liabilities
harga penawaran; liabilitas keuangan dan aset and assets held or liabilities to be acquired are
yang dimiliki atau liabilitas yang akan diterbitkan measured at ask price. Where the Bank has
diukur menggunakan harga permintaan. Jika assets and liabilities positions with off-setting
Bank memiliki posisi aset dan liabilitas dimana market risk, middle market prices can be used
risiko pasarnya saling hapus, nilai tengah dari to measure the off-setting risk positions and bid
pasar dapat dipergunakan untuk menentukan or ask price adjustment is applied to the net
posisi risiko yang saling hapus tersebut dan open positions as appropriate.
menerapkan penyesuaian tersebut terhadap
harga penawaran atau harga permintaan
terhadap posisi terbuka neto, mana yang lebih
sesuai.
j. Reklasifikasi instrumen keuangan j. Reclassifications of financial instruments
Jika dan hanya jika, Bank mengubah model If and only if, the Bank makes changes to the
bisnis untuk pengelolaan aset keuangan, Bank business model in managing their financial
mereklasifikasi seluruh aset keuangan yang assets, the Bank reclassifies all affected
terpengaruh. Bank tidak mereklasifikasi liabilitas financial assets. The Bank does not reclassify
keuangan. financial liabilities.
Reklasifikasi harus diterapkan secara prospektif Reclassification should be applied prospectively
dari tanggal reklasifikasi. Keuntungan, kerugian from the date of reclassification. Any, gains,
(termasuk keuntungan atau kerugian penurunan losses (including impairment gains or losses),
nilai), atau bunga yang diakui sebelumnya tidak or interest previously recognized are not
disajikan kembali. restated.
Pada reklasifikasi aset keuangan dari kategori In the reclassification of financial assets
pengukuran biaya perolehan diamortisasi measured at amortized cost to financial assets
menjadi kategori pengukuran nilai wajar melalui measured at fair value through profit or loss, its
laba rugi, nilai wajarnya diukur pada tanggal fair value is measured at the reclassification
reklasifikasi. Keuntungan atau kerugian yang date. Any gain or loss arising from a difference
timbul dari selisih antara biaya perolehan between the previous amortized cost and fair
diamortisasi dan nilai wajar aset keuangan value of the financial asset is recognized in
diakui dalam laba rugi. profit or loss.
Pada reklasifikasi aset keuangan dari kategori In the reclassification of financial assets
pengukuran nilai wajar melalui laba rugi menjadi measured at fair value through profit or loss to
kategori pengukuran biaya perolehan financial assets measured at amortized cost, its
diamortisasi, nilai wajar pada tanggal fair value at the reclassification date becomes
reklasifikasi menjadi jumlah tercatat bruto yang its new gross carrying amount.
baru.
26
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pada reklasifikasi aset keuangan dari kategori In the reclassification of financial assets
pengukuran biaya perolehan diamortisasi measured at amortized cost to financial assets
menjadi kategori pengukuran nilai wajar melalui measured at fair value through other
penghasilan komprehensif lain, nilai wajarnya comprehensive income, its fair value is
diukur pada tanggal reklasifikasi. Keuntungan measured at the reclassification date. Any gain
atau kerugian yang timbul dari selisih antara or loss arising from a difference between the
biaya perolehan diamortisasi dan nilai wajar previous amortized cost and fair value of the
aset keuangan diakui dalam penghasilan financial asset is recognized in other
komprehensif lain. comprehensive income.
Pada reklasifikasi aset keuangan dari kategori In the reclassification of financial assets
pengukuran nilai wajar melalui penghasilan measured at fair value through other
komprehensif lain menjadi kategori pengukuran comprehensive income to financial assets
biaya perolehan diamortisasi, aset keuangan measured at amortized cost, the financial asset
direklasifikasi pada nilai wajarnya pada tanggal is reclassified at its fair value at the
reklasifikasi. Keuntungan atau kerugian reclassification date. However, the cumulative
kumulatif yang sebelumnya diakui dalam gain or loss previously recognized in other
penghasilan komprehensif lain dihapus dari comprehensive income is removed from equity
ekuitas dan disesuaikan terhadap nilai wajar and adjusted against the fair value of the
aset keuangan pada tanggal reklasifikasi. financial assets at the reclassification date.
Pada reklasifikasi aset keuangan dari kategori In the reclassification of financial assets
pengukuran nilai wajar melalui laba rugi menjadi measured at fair value through profit or loss to
kategori pengukuran nilai wajar melalui financial assets measured at fair value through
penghasilan komprehensif lain, aset keuangan other comprehensive income, the financial
tetap diukur pada nilai wajarnya. asset continues to be measured at fair value.
Pada reklasifikasi aset keuangan dari kategori In the reclassification of financial assets
pengukuran nilai wajar melalui penghasilan measured at fair value through other
komprehensif lain menjadi kategori pengukuran comprehensive income to financial assets
nilai wajar melalui laba rugi, aset keuangan measured at fair value through profit or loss, the
tetap diukur pada nilai wajarnya. Keuntungan financial asset continues to be measured at fair
atau kerugian kumulatif yang sebelumnya diakui value. The cumulative gain or loss previously
pada penghasilan komprehensif lain recognized in other comprehensive income is
direklasifikasi dari ekuitas ke laba rugi. reclassified from equity to profit or loss.
k. Saling hapus antara aset keuangan dan k. Offsetting of financial assets and financial
liabilitas keuangan liabilities
Aset keuangan dan liabilitas keuangan Financial assets and financial liabilities are
dilakukan saling hapus dan nilai netonya offset and the net amount reported in the
disajikan dalam laporan posisi keuangan jika, statement of financial position if, and only if,
dan hanya jika, saat ini Bank memiliki hak yang there is a currently enforceable legal right to
berkekuatan hukum untuk melakukan saling offset the recognized amounts and there is an
hapus jumlah yang telah diakui tersebut dan intention to settle on a net basis, or to realize
Bank berniat untuk menyelesaikan secara neto the assets and settle the liabilities
atau untuk merealisasikan aset dan simultaneously.
menyelesaikan liabilitas secara simultan.
Hak yang berkekuatan hukum untuk saling The legally enforceable right of offset must not
hapus harus tidak kontinjen atas peristiwa di be contingent on future events and must be
masa depan dan harus dapat dipaksakan dalam enforceable in the normal course of business
situasi bisnis yang normal dan peristiwa and in the event of default, insolvency or
kegagalan atau kebangkrutan dari Bank atau bankruptcy of the Bank or the counterparty.
pihak lawan.
Pendapatan dan beban disajikan dalam jumlah Income and expenses are presented on a net
neto hanya jika diperkenankan oleh standar basis only when permitted by the accounting
akuntansi. standards.
27
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
l. Giro pada Bank Indonesia dan bank lain l. Current accounts with Bank Indonesia and
other banks
Giro pada Bank Indonesia dan bank lain Current accounts with Bank Indonesia and
disajikan sebesar biaya perolehan yang other banks are stated at amortized cost using
diamortisasi menggunakan metode suku bunga the effective interest rate method less
efektif dikurangi dengan cadangan kerugian allowance for impairment losses. Current
penurunan nilai. Giro pada Bank Indonesia dan accounts with Bank Indonesia and other banks
bank lain diklasifikasikan sebagai biaya are classified as amortized cost.
perolehan yang diamortisasi.
m. Penempatan pada Bank Indonesia dan bank m. Placements with Bank Indonesia and other
lain banks
Penempatan pada Bank Indonesia dan bank Placements with Bank Indonesia and other
lain terdiri dari Fasilitas Simpanan Bank banks consist of Bank Indonesia Deposit
Indonesia (FASBI), call money, dan deposito Facility (FASBI), call money, and time deposits.
berjangka.
Penempatan pada Bank Indonesia dan bank Placements with Bank Indonesia and other
lain dinyatakan sebesar biaya perolehan banks are stated at amortized cost using the
diamortisasi menggunakan metode suku bunga effective interest rate method less allowance for
efektif dikurangi dengan cadangan kerugian impairment losses.
penurunan nilai.
Penempatan pada Bank Indonesia dan bank Placements with Bank Indonesia and other
lain diklasifikasikan sebagai biaya perolehan banks are classified as amortized cost.
yang diamortisasi.
n. Efek-efek n. Marketable securities
Efek-efek terdiri dari surat berharga yang Marketable securities consist of securities
diperdagangkan dalam pasar modal dan pasar traded in the capital market and money market,
uang, antara lain obligasi (terdiri dari obligasi such as bonds (composed of corporate and
perusahaan dan pemerintah) dan reksadana. government bonds) and mutual fund.
Efek-efek pada awalnya disajikan sebesar nilai Marketable securities are initially measured at
wajar ditambah dengan biaya transaksi yang fair value and transaction costs which are
dapat diatribusikan secara langsung. directly attributable.
Setelah pengakuan awal, efek-efek dicatat Subsequent to initial recognition, marketable
sesuai kategorinya, yaitu aset keuangan yang securities are accounted for depending on their
diklasifikasikan pada biaya perolehan yang classification as amortized cost, fair value
diamortisasi, nilai wajar melalui penghasilan through other comprehensive income or fair
komprehensif lain atau nilai wajar melalui laba value through profit or loss. The measurement
rugi. Pengukuran efek-efek didasarkan atas of marketable securities is based on the
klasifikasinya sebagai berikut: classification of the securities as follows:
i. Efek-efek yang diukur pada biaya perolehan i. Marketable securities which measured at
diamortisasi dicatat pada biaya perolehan amortized cost are carried at amortized cost
yang diamortisasi menggunakan metode using the effective interest rate method; or
suku bunga efektif; atau
ii. Efek-efek yang diukur pada nilai wajar ii. Marketable securities which measured at fair
melalui penghasilan komprehensif lain value through other comprehensive income
dinyatakan pada nilai wajar. Pendapatan are stated at fair value. Interest income is
bunga diakui dalam laba rugi menggunakan recognized in the profit or loss using the
metode suku bunga efektif. Laba atau rugi effective interest rate method. Foreign
selisih kurs atas efek-efek diakui pada laba exchange gains or losses on securities are
rugi. Perubahan nilai wajar lainnya diakui recognized in the profit or loss. Other fair
langsung dalam ekuitas sampai efek- efek value changes are recognized directly in
dijual atau mengalami penurunan nilai, equity until the securities are sold or
28
Page 632
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
dimana akumulasi keuntungan dan kerugian impaired, whereby the cumulative gains and
yang sebelumnya diakui dalam ekuitas diakui losses previously recognized in the equity
dalam laba rugi; atau are recognized in the profit or loss; or
iii. Efek-efek yang diukur pada nilai wajar iii. Marketable securities which measured at fair
melalui laba rugi dinyatakan pada nilai wajar. value through profit or loss are stated at fair
Perubahan nilai wajar diakui dalam laba rugi. value. Fair value changes are recognized in
the profit or loss.
Untuk efek-efek yang diperdagangkan secara For publicly traded securities active in
aktif di pasar keuangan yang terorganisasi, organized financial markets, the fair value is
nilai wajar tersebut umumnya ditentukan generally determined with reference to the bid
dengan mengacu pada harga penawaran price market that occurred on the stock
pasar yang terjadi di bursa efek pada tanggal exchange on the date closest to the position
yang terdekat dengan tanggal laporan posisi report date finances, then adjusted according to
keuangan, kemudian disesuaikan dengan the costs to be incurred for acquire the asset.
biaya-biaya yang akan dikeluarkan untuk For marketable securities where there is no
memperoleh aset tersebut. Untuk efek-efek quoted market price, a reasonable estimate of
yang tidak mempunyai harga penawaran the fair value is determined by reference to the
pasar, estimasi atas nilai wajar efek current market value of another instrument
ditetapkan dengan mengacu pada nilai wajar which is substantially the same or is calculated
instrumen lain yang substansinya adalah based on the expected cash flows of the
sama atau dihitung berdasarkan arus kas underlying net asset base of securities.
yang diharapkan terhadap aset bersih efek
tersebut.
Bank menentukan klasifikasi investasi pada The Bank designates the classification of
sukuk, berdasarkan model usaha yang investment in sukuk, based on business model
ditentukan berdasarkan klasifikasi sesuai in accordance with SFAS 110 (Revised 2015):
PSAK 110 (Revisi 2015): Akuntansi Sukuk. “Accounting for Sukuk”. Refer to Note 2d for the
Lihat Catatan 2d untuk kebijakan akuntansi atas accounting policies of investment in sukuk.
investasi pada sukuk.
o. Instrumen derivatif o. Derivative instruments
Instrumen keuangan derivatif (termasuk Derivative financial instruments (including
transaksi mata uang asing untuk tujuan foreign currency transactions for funding and
pendanaan dan perdagangan) diakui sebesar trading) are recognized in the statements of
nilai wajar pada laporan posisi keuangan. Nilai financial position at their fair value. Fair value is
wajar ditentukan berdasarkan harga pasar, determined based on quoted prices, pricing
model penentuan harga, atau harga pasar models, or quoted prices of other instruments
instrumen lain yang memiliki karakteristik with similar characteristics. Derivatives are
serupa. Derivatif dicatat sebagai aset apabila recorded as assets when the fair value is
memiliki nilai wajar positif dan sebagai liabilitas positive and liabilities when the fair value is
apabila memiliki nilai wajar negatif. negative.
Keuntungan atau kerugian yang terjadi dari Gain or loss as a result fair value changes on a
perubahan nilai wajar kontrak derivatif yang derivative contract not designated as a hedging
tidak ditujukan untuk lindung nilai (atau tidak instrument (or derivative contract that does not
memenuhi kriteria untuk dapat diklasifikasikan qualify as a hedging instrument) is recognized
sebagai lindung nilai) diakui dalam laba rugi in the current year’s profit or loss.
tahun berjalan.
Tagihan dan liabilitas derivatif diklasifikasikan Derivative receivable and payable are classified
sebagai nilai wajar melalui laba rugi. as fair value through profit or loss.
29
Page 633
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
p. Kredit p. Loans
Kredit yang diberikan merupakan penyediaan Loans represent the lending of money or
uang atau tagihan yang dapat disetarakan equivalent receivables under contracts with
dengan itu, berdasarkan kesepakatan dengan borrowers, where the borrowers are required
pihak penerima kredit dan mewajibkan pihak torepay their debts with interest after a specified
penerima kredit untuk melunasi setelah jangka time.
waktu tertentu dengan imbalan bunga.
Kredit yang diberikan diklasifikasikan sebagai Loans are classified as amortized cost.
biaya perolehan diamortisasi.
Kredit diukur pada biaya perolehan diamortisasi Loans are measured at amortized cost using
menggunakan metode suku bunga efektif, the effective interest rate method, less
dikurangi dengan cadangan kerugian allowance for impairment losses. Amortized
penurunan nilai. Biaya perolehan diamortisasi cost is calculated by taking into account any
dihitung dengan memperhitungkan diskonto discount or premium on acquisition and
atau premi pada saat akuisisi dan biaya transaction costs that are an integral part of
transaksi yang merupakan bagian tidak effective interest rate. The amortization is
terpisahkan dari suku bunga efektif. Amortisasi recognized in profit or loss.
diakui dalam laba rugi.
Kredit sindikasi, kredit dalam rangka Syndicated, joint financing, and channelling
pembiayaan bersama, dan kredit penerusan loans are stated at the loan principal amount
dinyatakan sebesar pokok kredit sesuai dengan based on the risk participation by the Bank.
porsi risiko yang ditanggung oleh Bank.
Kredit memiliki suku bunga tetap maupun Loans are arranged at both fixed and floating
mengambang, sehingga Bank terpapar risiko interest rates, thus the Bank is exposed to fair
suku bunga atas nilai wajar (fair value interest value interest rate risk and cash flow interest
rate risk) dan risiko suku bunga atas arus kas rate risk.
(cash flow interest rate risk).
Kredit yang dihapusbuku Written-off loans
Kredit dihapusbukukan ketika tidak terdapat Loans are written-off when there is no realistic
prospek yang realistis mengenai pengembalian prospect of collection or when the Bank’s
kredit atau hubungan normal antara Bank dan normal relationship with the borrowers has
debitur telah berakhir. Kredit yang tidak dapat ceased to exist. When loans are deemed
dilunasi dihapusbukukan dengan mendebet uncollectible, they are written off against the
cadangan kerugian penurunan nilai. related allowance for impairment losses.
Penerimaan kembali atas kredit yang telah The recoveries from written-off loans are
dihapusbukukan dikreditkan ke pendapatan credited to other operating income.
operasional lainnya.
Restrukturisasi kredit Loan restructuring
Restrukturisasi kredit meliputi modifikasi Loan restructuring may involve a modification of
persyaratan kredit atau perpanjangan jangka the terms of the loans or extending the payment
waktu pembayaran. arrangement.
Kerugian yang timbul dari restrukturisasi kredit Losses on loan restructuring in respect of
yang berkaitan dengan modifikasi persyaratan modification of the terms of the loans are
kredit hanya diakui bila nilai tunai penerimaan recognized only if the present value of total
kas masa depan yang telah ditentukan dalam future cash receipts specified in the new terms
persyaratan kredit yang baru, termasuk of the loans, including both receipts designated
penerimaan yang diperuntukkan sebagai bunga as interest and those designated as loan
maupun pokok, adalah lebih kecil dari nilai principal, are less than the recorded amounts of
kredit yang diberikan yang tercatat sebelum loans before restructuring.
restrukturisasi.
30
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
q. Tagihan dan liabilitas akseptasi q. Acceptances receivable and payable
Tagihan akseptasi diklasifikasikan sebagai Acceptances receivable are classified as
biaya perolehan diamortisasi. Liabilitas amortized cost. Acceptances payable are
akseptasi diklasifikasikan sebagai liabilitas classified as other financial liabilities stated at
keuangan yang diukur dengan biaya perolehan amortized cost.
diamortisasi.
Tagihan akseptasi dinyatakan sebesar biaya Acceptance receivables are stated at amortized
perolehan yang diamortisasi menggunakan costs using the effective interest rate method
metode suku bunga efektif setelah dikurangi less allowance for impairment losses, whereas
dengan cadangan kerugian penurunan nilai, acceptance payables are stated at amortized
sedangkan liabilitas akseptasi dinyatakan cost using the effective interest rate method.
sebesar biaya perolehan yang diamortisasi
menggunakan metode suku bunga efektif.
r. Biaya dibayar di muka r. Prepaid expenses
Biaya dibayar di muka diamortisasi selama Prepaid expenses are amortized over their
masa kontrak masing-masing biaya dengan contractual terms using the straight-line
menggunakan metode garis lurus. method.
s. Investasi dalam saham s. Investment in shares
Investasi dalam saham dicatat dengan metode Investment in shares is recorded based on
ekuitas. Dengan metode ekuitas, investasi pada equity method. Under equity method,
awalnya dicatat sebesar biaya perolehan dan investment share initially recognized at cost and
disesuaikan dengan bagian Bank atas laba atau adjusted for the Bank’s share in the net income
rugi neto perusahaan asosiasi sesuai dengan or losses of the associated companies based
jumlah persentase kepemilikan dan dikurangi on its percentage of ownership and reduced by
dengan penerimaan dividen sejak tanggal dividend received since the date of acquisition.
perolehan.
Nilai tercatat dari investasi dalam saham The carrying amount of investment in shares is
ditelaah setiap periode pelaporan untuk reviewed each reporting period to determine
menentukan apakah terdapat indikasi whether there is any indication of impairment. If
penurunan nilai. Jika terdapat indikasi any such indication exists the assets’
penurunan nilai, maka Bank akan melakukan recoverable amount is estimated.
estimasi jumlah yang dapat dipulihkan.
Penyisihan penurunan nilai diakui jika nilai An impairment loss is recognized if the carrying
tercatat dari suatu aset melebihi nilai yang amount of an asset exceeds its recoverable
dapat diperoleh kembali. Penyisihan penurunan amount. Impairment losses are recognized in
nilai diakui pada laba rugi tahun berjalan. the current year’s profit or loss.
t. Aset tetap, aset hak-guna, dan liabilitas sewa t. Fixed assets, right-of-use assets, and lease
liabilities
Aset tetap Fixed assets
Aset tetap, kecuali tanah yang tidak disusutkan, Fixed assets, except land which is not
dinyatakan berdasarkan biaya perolehan depreciated, are stated at cost less
dikurangi akumulasi penyusutan dan rugi accumulated depreciation and impairment
penurunan nilai. losses.
Penyusutan dihitung dengan menggunakan Depreciation is computed using the straight-line
metode garis lurus (straight-line method), method, based on the estimated useful lives of
berdasarkan estimasi masa manfaat aset tetap the assets as follows:
sebagai berikut:
31
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Tahun/Years
Bangunan 20 Buildings
Perangkat lunak dan perangkat keras 4-8 Software and hardware
Kendaraan bermotor 4-8 Motor vehicles
Perlengkapan dan peralatan kantor 4-8 Office furniture and fixtures
Leasehold improvement 2-5 Leasehold improvement
Tanah dinyatakan berdasarkan biaya perolehan Land is stated at cost and is not depreciated.
dan tidak disusutkan.
Aset dalam konstruksi merupakan aset yang Assets under construction represent assets in
masih dalam proses penyelesaian dan belum progress of construction and not yet ready for
siap untuk digunakan, serta dimaksudkan untuk use and intended to be used in business
dipergunakan dalam kegiatan usaha. Aset ini activity. The assets are recorded based on the
dicatat sebesar biaya yang telah terjadi. incurred cost.
Beban pemeliharaan dan perbaikan dibebankan The cost of maintenance and repairs are
pada laba rugi pada saat terjadinya. Biaya-biaya charged to profit or loss as incurred. Other
lain yang terjadi selanjutnya yang timbul untuk costs incurred subsequently to add to, replace
menambah, mengganti atau memperbaiki aset part of, or service an item of fixed assets, are
tetap dicatat sebagai biaya perolehan aset jika recognized as asset if, and only if, it is probable
dan hanya jika besar kemungkinan manfaat that future economic benefits associated with
ekonomis di masa depan berkenaan dengan the item will flow to the entity and the cost of the
aset tersebut akan mengalir ke entitas dan item can be measured reliably. Fixed assets
biaya perolehan aset dapat diukur secara andal. which are retired or otherwise disposed of, their
Aset tetap yang sudah tidak digunakan lagi atau carrying values and the related accumulated
yang dijual dikeluarkan dari kelompok aset tetap depreciation and any impairment loss are
berikut akumulasi penyusutan dan kerugian removed from the accounts. Gain or loss from
penurunan nilainya. Keuntungan atau kerugian sale of fixed assets is reflected in the current
dari penjualan aset tetap tersebut dicatat dalam year’s profit or loss.
laba-rugi pada tahun berjalan.
Masa manfaat ekonomis, nilai residu, dan The estimated useful lives, residual values, and
metode penyusutan direviu setiap tahun depreciation method are reviewed at each
pelaporan dan pengaruh dari setiap perubahan reporting year, and the effect of any changes in
estimasi tersebut berlaku prospektif. the estimation is applied prospectively.
Bank melakukan penelaahan pada akhir tahun The Bank conducts a review at the end of the
untuk menentukan adanya indikasi terjadinya year to determine whether there are indications
penurunan nilai aset. Bank menghitung taksiran of asset impairment. The Bank calculates the
jumlah yang dapat diperoleh kembali atas nilai estimated recoverable amount of all its assets
semua aset yang dimiliki apabila terdapat and determines if there is a decrease in the
situasi atau keadaan yang memberikan indikasi value of the assets and recognizes an
terjadinya penurunan nilai aset dan impairment loss on such assets to the current
mengakuinya sebagai rugi. year’s profit or loss.
Bila nilai tercatat suatu aset melebihi taksiran When the carrying amount of an asset exceeds
jumlah yang dapat diperoleh kembali (estimated its estimated recoverable amount, the asset is
recoverable amount) maka nilai tercatat written-down to its estimated recoverable
tersebut diturunkan ke jumlah yang dapat amount, which is determined as the higher of
diperoleh kembali tersebut, yang ditentukan net selling price or value in use.
sebagai nilai tertinggi antara harga jual neto dan
nilai pakai.
32
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Aset hak-guna dan liabilitas sewa Right-of-use assets and lease liabilities
Bank mengakui aset hak-guna dan liabilitas Bank recognizes right-of-use assets and lease
sewa untuk seluruh sewa dengan masa sewa liabilities for all leases with a lease period more
lebih dari 12 bulan, kecuali aset pendasarnya than 12 months, unless the underlying asset is
bernilai rendah. of low value.
Masa sewa adalah periode sewa yang tidak Lease term is the non-cancellable period of a
dapat dibatalkan, dan juga: lease, together with both:
• Periode yang dicakup oleh opsi untuk • Periods covered by an option to extend the
memperpanjang sewa jika cukup pasti untuk lease if it is reasonably certain to exercise
mengeksekusi opsi tersebut; dan the option; and
• Periode yang dicakup oleh opsi untuk • Periods covered by an option to terminate
menghentikan sewa jika cukup pasti untuk the lease if the lessee is reasonably certain
tidak mengeksekusi opsi tersebut. not to exercise the option.
Untuk sewa jangka pendek maupun untuk sewa For short-term leases and/or leases which the
yang aset pendasarnya bernilai rendah, Bank underlying assets are of low value, the Bank
mengakui pembayaran sewa yang terkait recognizes the lease payments associated with
dengan sewa tersebut sebagai biaya dibayar di those leases as prepaid expenses and
muka dan diamortisasi selama masa sewa amortizes over their lease term using the
dengan menggunakan metode garis lurus. straight-line method.
Pada tanggal permulaan, Bank mengukur aset At the commencement date, the Bank
hak-guna pada biaya perolehan, meliputi: measures right-of-use asset at cost, which
comprising:
- Jumlah pengukuran awal liabilitas sewa; - The amount of the initial measurement of
lease liability;
- Pembayaran sewa yang dilakukan pada atau - Any lease payments made at or before the
sebelum tanggal permulaan, dikurangi commencement date, less any lease
dengan insentif sewa yang diterima; dan incentives received; and
- Biaya langsung awal. - Initial direct costs.
Aset hak-guna selanjutnya diukur pada biaya Right-of-use assets are subsequently measured
perolehan, dikurangi akumulasi penyusutan dan at cost, less accumulated depreciation and
kerugian penurunan nilai (jika ada). Aset hak- impairment loss (if any). Right-of-use assets are
guna disusutkan dengan menggunakan metode depreciated using the straight-line method over
garis lurus selama jangka waktu yang lebih the shorter period between lease term and the
pendek antara masa sewa dengan estimasi estimated useful life of the asset.
masa manfaat aset.
Pada tanggal permulaan, Bank mengukur At the commencement date, the Bank
liabilitas sewa pada nilai kini pembayaran sewa measures lease liability at the present value of
yang belum dibayar pada tanggal tersebut. the lease payments that are not paid at that
Pembayaran sewa didiskontokan dengan date. The lease payments are discounted using
menggunakan suku bunga implisit dalam sewa, the interest rate implicit in the lease, if that rate
jika suku bunga tersebut dapat ditentukan. Jika can be readily determined. If that rate can not
suku bunga tersebut tidak dapat ditentukan, be readily determined, incremental borrowing
maka suku bunga pinjaman inkremental rate is applied.
digunakan.
Pembayaran sewa yang termasuk dalam The lease payments included in the
pengukuran liabilitas sewa meliputi pembayaran measurement of lease liability comprise of the
berikut ini atas hak untuk menggunakan aset following payments for the right to use the
pendasar selama masa sewa yang belum underlying assets during the lease term that are
dibayar pada tanggal permulaan: not paid at the commencement date:
33
Page 637
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
- Pembayaran tetap; - Fixed payments;
- Pembayaran sewa variabel yang diukur - Variable lease payments that depend on an
dengan menggunakan indeks atau suku index or a rate, initially measured using the
bunga; index or rate;
- Jumlah yang diperkirakan akan dibayar dalam - Amounts expected to be payable under
jaminan nilai residual; residual value guarantees;
- Harga eksekusi opsi beli jika penyewa cukup - The exercise price of a purchase option if it is
pasti untuk mengeksekusi opsi tersebut; dan certain to exercise the option; and
- Pembayaran penalti karena penghentian - Payments of penalties for terminating the
sewa, jika masa sewa merefleksikan opsi lease, if the lease term reflects an option to
untuk menghentikan sewa. terminate the lease.
Liabilitas sewa selanjutnya diukur dengan: The lease liabilities are subsequently measured
by:
- Meningkatkan jumlah tercatat untuk - Increasing the carrying amount to reflect
merefleksikan bunga atas liabilitas sewa; interest on the lease liability;
- Mengurangi jumlah tercatat untuk - Reducing the carrying amount to reflect the
merefleksikan sewa yang telah dibayar; dan lease payments made; and
- Mengukur kembali jumlah tercatat untuk - Remeasuring the carrying amount to reflect
merefleksikan penilaian kembali atau any reassessment or lease modifications.
modifikasi sewa.
Bank menyajikan liabilitas sewa sebagai bagian The Bank presents lease liabilities under other
liabilitas lain-lain pada laporan posisi keuangan. liabilities in the statement of financial position.
Beban bunga atas liabilitas sewa disajikan Interest expense on the lease liabilities is
sebagai bagian beban bunga dalam laba rugi. presented under interest expense in the profit
or loss.
u. Aset lain-lain u. Other assets
Aset lain-lain, antara lain, terdiri dari bunga Other assets consist of, among others interest
yang masih akan diterima, agunan yang diambil receivable, foreclosed assets, abandoned
alih, properti terbengkalai, dan lain-lain. properties, and others.
Tanah dan aset lainnya (jaminan kredit yang Land and other assets (collaterals foreclosed by
telah diambil alih oleh Bank) disajikan dalam the Bank) are presented in the foreclosed
akun agunan yang diambil alih dalam kelompok assets account under “Other assets”.
“Aset lain-lain”.
Agunan yang diambil alih diakui sebesar nilai Foreclosed assets are stated at net realizable
realisasi bersih. Selisih lebih saldo kredit di atas value. The excess of loan receivable over the
nilai realisasi bersih dari agunan yang diambil net realizable value of the foreclosed assets is
alih, dibebankan ke cadangan kerugian charged against allowance for impairment
penurunan nilai. Sedangkan selisih lebih nilai losses. If the net realizable value is higher than
realisasi bersih di atas saldo kredit, agunan the loan receivable, the foreclosed assets are
yang diambil alih diakui maksimum sebesar recorded at the amount of the loan receivable.
saldo kredit.
Selisih antara nilai agunan yang telah diambil The difference between the carrying amount of
alih dan hasil penjualannya diakui sebagai foreclosed assets and the proceeds is
keuntungan atau kerugian pada saat penjualan recognized as gain or loss when the collateral is
agunan. sold.
Manajemen mengevaluasi nilai agunan yang Management evaluates the value of foreclosed
diambil alih secara berkala. Cadangan kerugian assets periodicaly. Allowance for impairment
penurunan nilai agunan yang diambil alih losses on foreclosed assets is provided for the
dibentuk atas penurunan nilai agunan yang impairment of foreclosed assets.
diambil alih.
34
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Bila terjadi penurunan nilai yang bersifat If there is a permanent impairment, the carrying
permanen, maka nilai tercatatnya dikurangi value is reduced to recognize the impairment,
untuk mengakui penurunan tersebut dan and the impairment losses are charged to the
kerugiannya dibebankan pada laba rugi tahun current year’s profit or loss.
berjalan.
Properti terbengkalai diakui sebesar nilai Abandoned properties are stated at net
terendah antara nilai tercatat atau nilai realisasi realizable value or at carrying amount
neto. whichever is lower.
Beban-beban yang berkaitan dengan Expenses for maintaining foreclosed assets and
pemeliharaan agunan yang diambil alih dan abandoned properties are charged in the profit
properti terbengkalai dibebankan pada laba rugi or loss as incurred.
pada saat terjadinya.
v. Liabilitas segera v. Liabilities due immediately
Liabilitas segera, seperti kiriman uang yang Liabilities due immediately, such as unsettled
belum direalisasi, merupakan liabilitas yang money transfer, represent obligations to third
harus segera dibayarkan kepada pihak lain parties based on contract or order by those
berdasarkan kontrak atau perintah dari pihak having authority that have to be settled
yang mempunyai kewenangan untuk itu. immediately. Liabilities due immediately are
Liabilitas segera diukur sebesar biaya measured at their amortized cost using effective
perolehan diamortisasi dengan menggunakan interest rate method.
metode suku bunga efektif.
w. Simpanan nasabah w. Deposits from customers
Simpanan nasabah terdiri dari giro, tabungan, Deposits from customers consist of current
dan deposito berjangka. accounts, savings accounts, and time deposits.
Giro merupakan simpanan nasabah yang dapat Current accounts represent deposits from
digunakan sebagai alat pembayaran, yang customers that may be used as instruments of
penarikannya dapat dilakukan setiap saat payment, and which may be withdrawn at any
melalui cek, Kartu Anjungan Tunai Mandiri time by cheque, Automatic Teller Machine card
(ATM), atau sarana perintah pembayaran (ATM) or other orders of payments or transfers.
lainnya.
Tabungan merupakan simpanan nasabah yang Savings accounts represent deposits from
penarikannya hanya dapat dilakukan melalui customers that may only be withdrawn over the
counter dan melalui ATM jika memenuhi counter and via ATMs when certain agreed
persyaratan yang disepakati, tetapi penarikan conditions are met, but which may not be
tidak dapat dilaksanakan dengan menggunakan withdrawn by cheque or other equivalent
cek atau instrumen setara lainnya. instruments.
Deposito berjangka merupakan simpanan Time deposits represent customer’s deposits
nasabah yang penarikannya hanya dapat that may be withdrawn at a certain time based
dilakukan pada waktu tertentu sesuai dengan on the agreement between the depositor and
perjanjian antara nasabah dengan Bank. the Bank.
Simpanan nasabah diklasifikasikan sebagai Deposits from customers are classified as
liabilitas keuangan diukur pada biaya perolehan financial liabilities measured at amortized cost,
yang diamortisasi, yang diakui pada nilai wajar which are initially recognized at fair value less
ditambah biaya transaksi yang dapat directly attributable transaction costs, if any,
diatribusikan secara langsung, jika ada, pada and subsequently measured at amortized cost
pengakuan awal dan selanjutnya diukur pada using the effective interest rate method.
biaya perolehan diamortisasi dengan metode Amortized cost is calculated by taking into
suku bunga efektif. Biaya perolehan account any discount or premium related to the
diamortisasi dihitung dengan memperhitungkan initial recognition of deposits from customers
adanya diskonto atau premi terkait dengan and transaction costs that are an integral part of
pengakuan awal simpanan nasabah dan biaya the effective interest rate.
transaksi yang merupakan bagian yang tak
terpisahkan dari suku bunga efektif.
35
Page 639
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
x. Simpanan dari bank lain x. Deposits from other banks
Simpanan dari bank lain terdiri dari liabilitas Deposits from other banks represent liabilities
terhadap bank lain, baik lokal maupun luar to domestic and overseas banks, in the form of
negeri, dalam bentuk giro, interbank call money current accounts, interbank call money with
dengan periode jatuh tempo menurut perjanjian original maturities of 90 days or less, negotiable
kurang dari atau 90 hari, negotiable certificate of certificate of deposits, and time deposits.
deposits, dan deposito berjangka.
Simpanan dari bank lain diklasifikasikan Deposits from other banks are classified as
sebagai liabilitas keuangan diukur pada biaya financial liabilities measured at amortized cost,
perolehan yang diamortisasi, yang diakui pada which are initially recognized at fair value less
nilai wajar dikurangi biaya transaksi yang dapat directly attributable transaction costs, if any,
diatribusikan secara langsung, jika ada, pada and subsequently are measured at amortized
pengakuan awal dan selanjutnya diukur pada cost using the effective interest rate method.
biaya perolehan diamortisasi dengan Amortized cost is calculated by taking into
menggunakan metode suku bunga efektif. Biaya account any discount or premium related to the
perolehan diamortisasi dihitung dengan initial recognition of deposits from other banks
memperhitungkan adanya diskonto atau premi and transaction costs that are an integral part of
terkait dengan pengakuan awal simpanan dari the effective interest rate.
bank lain dan biaya transaksi yang merupakan
bagian yang tidak terpisahkan dari suku bunga
efektif.
y. Pinjaman yang diterima y. Borrowings
Pinjaman yang diterima merupakan dana yang Borrowings are funds received from other
diterima dari bank lain atau pihak lain dengan banks or other parties with payment obligation
kewajiban pembayaran kembali sesuai dengan based on borrowing agreement.
persyaratan perjanjian pinjaman.
Pinjaman yang diterima diakui sebesar nilai Borrowings are initially recognized at fair value
wajar dikurangi dengan biaya transaksi less directly attributable transaction cost and
teratribusi langsung pada awalnya dan subsequently measured at amortized cost using
selanjutnya diukur sebesar biaya perolehan the effective interest method. Amortized cost is
diamortisasi dengan menggunakan metode calculated by taking into account any discount
suku bunga efektif. Biaya perolehan or premium related to the initial recognition of
diamortisasi dihitung dengan memperhitungkan borrowings and transaction costs that are an
adanya diskonto atau premi terkait dengan integral part of the effective interest rate.
pengakuan awal pinjaman yang diterima dan
biaya transaksi yang merupakan bagian tidak
terpisahkan dari suku bunga efektif.
z. Surat berharga yang diterbitkan z. Securities issued
Surat berharga yang diterbitkan merupakan Securities issued are subordinated bonds and
obligasi subordinasi dan Medium Term Notes Medium Term Notes which are classified as
yang diklasifikasikan sebagai liabilitas keuangan financial liabilities measured at amortized cost,
diukur pada biaya perolehan yang diamortisasi, which are initially recognized at fair value less
yang diakui pada nilai wajar dikurangi biaya directly attributable transaction costs and
transaksi yang dapat diatribusikan secara subsequently measured at amortized cost using
langsung pada pengakuan awal dan selanjutnya the effective interest rate method. Amortized
diukur pada biaya perolehan diamortisasi cost is calculated by taking into account any
dengan menggunakan metode suku bunga discount or premium related to the initial
efektif. Biaya perolehan diamortisasi dihitung recognition of securities issued and transaction
dengan memperhitungkan adanya diskonto atau costs that are an integral part of the effective
premi terkait dengan pengakuan awal surat interest rate.
berharga yang diterbitkan dan biaya transaksi
yang merupakan bagian yang tidak terpisahkan
dari suku bunga efektif.
36
Page 640
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
aa. Pendapatan dan beban bunga aa. Interest income and expense
Pendapatan diakui sejauh itu memiliki Revenue is recognized to the extent that it is
kemungkinan bahwa manfaat ekonomi akan probable that the economic benefits will flow to
mengalir kepada Bank dan pendapatan dapat the Bank and the revenue can be reliably
diukur secara andal. measured.
Pendapatan dan beban bunga diakui dalam Interest income and interest expense are
laba rugi dengan menggunakan metode suku recognized in the profit or loss using the
bunga efektif. Perhitungan suku bunga efektif effective interest method. The calculation of
mencakup biaya transaksi dan seluruh imbalan effective interest rate includes transaction costs
dan bentuk lain yang dibayarkan atau diterima and all fees and other forms of consideration
yang merupakan bagian tidak terpisahkan dari paid or received that are an integral part of the
suku bunga efektif. effective interest rate.
Suku bunga efektif adalah suku bunga yang The effective Interest rate is the rate that
secara tepat mendiskontokan estimasi exactly discounts the estimated future cash
pembayaran atau penerimaan kas di masa payments or receipts through the expected life
depan selama perkiraan umur dari instrumen of the financial instrument (or, where
keuangan (atau, jika lebih tepat, digunakan appropriate, a shorter period) between the
periode yang lebih singkat) antara umur contractual life and estimated life to the carrying
kontraktual dan umur estimasi kepada nilai amount of the financial asset or financial
tercatat dari aset atau liabilitas keuangan. liability.
Pada saat menghitung suku bunga efektif, Bank When calculating the effective interest rate, the
mengestimasi arus kas di masa depan dengan Bank estimates the future cash flows
mempertimbangkan seluruh persyaratan considering all contractual terms of the financial
kontraktual dalam instrumen keuangan tersebut, instrument but not future credit losses. This
tetapi tidak mempertimbangkan kerugian calculation includes all commissions, fees and
pembiayaan di masa mendatang. Perhitungan all other types received by the parties in the
ini mencakup seluruh komisi, provisi, dan contract that are an integral part of the effective
bentuk lain yang diterima oleh para pihak dalam interest rate, transaction costs, and all other
kontrak yang merupakan bagian tidak premiums or discounts.
terpisahkan dari suku bunga efektif, biaya
transaksi, dan seluruh premi atau diskon
lainnya.
Jika aset keuangan atau nilai kelompok aset If a financial asset or group of similar financial
keuangan serupa telah diturunkan sebagai assets’ value has diminished as a result of
akibat kerugian penurunan nilai, maka impairment losses, interest income
pendapatan bunga yang diperoleh setelahnya subsequently obtained is recognized based on
diakui berdasarkan suku bunga efektif yang the effective interest rate used to discount
digunakan untuk mendiskonto arus kas masa future cash flows in calculating impairment
datang dalam menghitung kerugian penurunan losses.
nilai.
Kredit yang pembayaran angsuran pokok atau Loans for which the principal or interest has
bunganya telah lewat 90 hari atau lebih setelah been past due for 90 days or more, or where
jatuh tempo, atau kredit yang pembayarannya reasonable doubt exists as to the timely
secara tepat waktu diragukan, secara umum collection, are generally classified as impaired
diklasifikasikan sebagai kredit yang mengalami loans. Interest accrued but not yet collected is
penurunan nilai (impairment). Bunga yang telah reversed when a loan is classified as impaired
diakui tetapi belum tertagih akan dibatalkan loan.
pada saat kredit diklasifikasikan sebagai kredit
yang mengalami penurunan nilai.
ab. Provisi dan komisi ab. Fees and commissions
Pendapatan provisi dan komisi yang berkaitan Fees and commissions income related to loan
langsung dengan kegiatan perkreditan atau activities or specific terms and with significant
37
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
yang berhubungan dengan jangka waktu amounts are treated as deferred income and
tertentu yang jumlahnya signifikan ditangguhkan amortized over the term of contract using the
dan diamortisasi sesuai dengan jangka waktu effective interest rate method and classified as
kontrak menggunakan metode suku bunga part of interest income in the profit or loss. For
efektif dan diklasifikasikan sebagai bagian dari loans repaid before maturity date, the deferred
pendapatan bunga pada laba rugi. Untuk kredit balances and/or commission income is
yang dilunasi sebelum jatuh temponya, saldo recognized when the loan is repaid.
pendapatan provisi dan/atau komisi yang
ditangguhkan, diakui pada saat kredit dilunasi.
Provisi dan komisi yang tidak berkaitan dengan Fees and commissions, which are not related to
kegiatan perkreditan atau pinjaman yang loan or borrowing activities which is not material
nilainya tidak material menurut Bank diakui to the Bank are recognized as income or
sebagai pendapatan atau beban pada saat expenses at the time the transactions are
terjadinya transaksi. made.
ac. Imbalan kerja ac. Employee benefits
Imbalan kerja jangka pendek Short-term employee benefits
Imbalan kerja jangka pendek diakui pada saat Short-term employee benefits are recognized
terutang kepada karyawan. when they accrued to the employees.
Imbalan pensiun dan imbalan pasca-kerja Pension benefits and other post-employment
lainnya
Bank mempunyai program pensiun imbalan The Bank has employee pension benefit
kerja untuk semua karyawan tetapnya sesuai schemes for all its permanent employees in
dengan Undang-Undang No.6/2023 atau accordance with Law No.6/2023 or the Bank’s
Perjanjian Kerja Bersama (“PKB”) atau Collective Labour Agreement (the “CLA”) or
Peraturan Perusahaan (“PP”), mana yang lebih Company Regulation (“CR”), whichever is
tinggi. Karena UUCK atau PKB atau PP higher. Since the JCL or the CLA or the CR
menentukan rumus tertentu untuk menghitung sets the formula for determining the minimum
jumlah minimal imbalan pensiun, pada amount of benefits, in substance pension plans
dasarnya, program pensiun berdasarkan UUCK under the JCL or the CLA or the CR represent
atau PKB atau PP adalah program imbalan defined benefit plans.
pasti.
Kewajiban imbalan pasca-kerja yang diakui di The post-employment benefits obligation
laporan posisi keuangan dihitung sebesar nilai recognized in the statement of financial position
kini dari estimasi kewajiban imbalan pasca-kerja are calculated at present value of estimated
di masa depan yang timbul dari jasa yang future benefits that the employees have earned
diberikan oleh karyawan pada masa kini dan in return for their services in the current and
masa lalu. Perhitungan imbalan pasca-kerja prior period. The calculation is performed by an
dilakukan oleh aktuaris independen independent actuary using the projected unit
menggunakan metode projected unit credit. credit method.
Bila terjadi perubahan imbalan pasca-kerja, When the benefits of the plan change, the
kenaikan atau penurunan imbalan sehubungan increased or decreased benefits relating to past
dengan jasa yang telah diberikan oleh karyawan service by employees are charged or credited
pada masa lalu dibebankan atau dikreditkan ke to the profit or loss. To the extent that the
dalam laba rugi. Imbalan pasca-kerja yang telah benefits vest immediately, the expense is
menjadi hak karyawan diakui segera sebagai recognized immediately in the profit or loss.
beban dalam laba rugi.
Keuntungan atau kerugian aktuaria diakui Actuarial gains or losses are recognized as
sebagai pendapatan atau beban dalam income or expense in the other comprehensive
penghasilan komprehensif lainnya pada saat income at the date of change of the present
terjadinya perubahan atas nilai kini dari value of the employee benefit obligation.
kewajiban imbalan kerja.
38
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Imbalan jangka panjang lainnya Other long-term liabilities
Imbalan jangka panjang lainnya seperti cuti Other long-term employee benefits such as
jangka panjang dihitung menggunakan metode long service leave are calculated using the
projected unit credit dan didiskontokan ke nilai projected unit credit method and discounted to
kini. Pengukuran kembali tidak diakui dalam present value. The remeasurement is not
penghasilan komprehensif lainnya. recognized in other comprehensive income.
ad. Pajak penghasilan ad. Income tax
Beban pajak kini ditentukan berdasarkan Current tax expense is determined based on
taksiran laba kena pajak dalam periode berjalan estimated taxable income for the current period
yang dihitung berdasarkan tarif pajak (dan which is calculated based on the applicable tax
peraturan pajak) yang berlaku. rates (and tax regulations).
Aset dan liabilitas pajak tangguhan diakui atas Deferred tax assets and liabilities are being
konsekuensi pajak periode mendatang yang recognized for the future tax consequences that
timbul dari perbedaan jumlah tercatat aset dan attributable to the differences between the
liabilitas menurut laporan keuangan dengan recorded amount of assets and liabilities in the
dasar pengenaan pajak aset dan liabilitas. financial statement and their respective tax
Liabilitas pajak tangguhan diakui untuk semua bases. Deferred tax liabilities are recognized for
perbedaan temporer kena pajak dan aset pajak all taxable temporary differences and deferred
tangguhan diakui untuk semua perbedaan tax assets are recognized for all deductible
temporer yang boleh dikurangkan, sepanjang temporary differences, to the extent that it is
besar kemungkinan dapat dimanfaatkan untuk probable that they can be utilized to reduce
mengurangi laba kena pajak pada masa depan. taxable profit in the future.
Aset dan liabilitas pajak tangguhan diukur Deferred tax assets and liabilities are measured
dengan menggunakan tarif pajak yang at the tax rates that are expected to apply in the
diekspektasikan berlaku dalam tahun ketika year in which the liability is settled or the asset
liabilitas diselesaikan atau aset dipulihkan recovered at tax rates (and tax laws) that have
dengan tarif pajak (dan peraturan pajak) yang been enacted, or substantively enacted, by the
telah berlaku atau secara substantif telah end of the reporting year.
berlaku pada akhir tahun pelaporan.
Pengukuran aset dan liabilitas pajak tangguhan The measurement of deferred tax assets and
mencerminkan konsekuensi pajak yang sesuai liabilities reflects the consequences that would
dengan cara yang diekspektasikan oleh Bank, follow from the manner in which the Bank
pada akhir tahun pelaporan, untuk memulihkan expect, at the end of the reporting year, to
atau menyelesaikan jumlah tecatat aset dan recover or settle the carrying amount of their
liabilitasnya. assets and liabilities.
Jumlah tercatat aset pajak tangguhan dikaji The carrying amount of deferred tax asset is
ulang pada akhir tahun pelaporan dan dikurangi reviewed at the end of each reporting year and
jumlah tercatatnya jika kemungkinan besar laba reduced to the extent that it is no longer
kena pajak tidak lagi tersedia dalam jumlah probable that sufficient taxable profits will be
yang memadai untuk mengkompensasikan available to allow all or part of the deferred tax
sebagian atau seluruh aset pajak tangguhan asset to be recovered.
tersebut.
Aset dan liabilitas pajak tangguhan saling hapus Deferred tax assets and liabilities are offset
ketika entitas memiliki hak yang dapat when the entity has a legally enforceable right
dipaksakan secara hukum untuk melakukan to net off current tax assets against current tax
saling hapus aset pajak kini terhadap liabilitas liabilities and when the deferred tax assets and
pajak kini dan ketika aset pajak tangguhan dan deferred tax liabilities are related to income
liabilitas pajak tangguhan terkait dengan pajak taxes imposed by the same taxation authority
penghasilan yang dikenakan oleh otoritas and the Bank intends to recover current tax
perpajakan yang sama dan Bank bermaksud assets and current tax liabilities on a net basis.
untuk memulihkan aset dan liabilitas pajak kini
dengan dasar neto.
39
Page 643
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pajak kini dan pajak tangguhan diakui dalam Current tax and deferred tax is recognized in
laba rugi, kecuali pajak penghasilan yang timbul profit or loss, except for income tax arising from
dari transaksi atau peristiwa yang diakui dalam transactions or events that are recognized in
penghasilan komprehensif lain atau secara other comprehensive income or directly in
langsung di ekuitas. Dalam hal ini, pajak equity. In this case, the tax is recognized in
tersebut masing-masing diakui dalam other comprehensive income or equity,
penghasilan komprehensif lain atau ekuitas. respectively.
Perubahan atas liabilitas pajak dicatat pada Amendments to tax obligations are recorded
saat surat ketetapan pajak diterima atau, when a tax assessment letter is received or, if
apabila diajukan keberatan dan atau banding, objected to and/or appealed, recognized when
diakui pada saat hasil dari keberatan dan atau the result of the objection and/or appeal is
banding diterima. accepted.
ae. Saham treasuri ae. Treasury shares
Instrumen ekuitas yang diperoleh kembali Own equity instruments that are reacquired
(saham treasuri) diakui pada harga perolehan (treasury shares) are recognized at cost and
kembali dan dikurangi dari ekuitas. Tidak ada deducted from equity. No gain or loss on the
laba atau rugi yang diakui pada laba rugi atas purchase, sale, issue or cancellation of own
perolehan, penjualan kembali, penerbitan atau equity instruments. Any difference between the
pembatalan dari instrumen ekuitas. Selisih carrying amount and the consideration, if
antara jumlah tercatat dan penerimaan, bila reissued, is recognized as part of additional
diterbitkan kembali, diakui sebagai bagian dari paid- in capital in the equity.
tambahan modal disetor pada ekuitas.
af. Laba per saham af. Earnings per share
Laba per saham dasar dihitung dengan Basic earnings per share is calculated by
membagi laba tahun berjalan yang dapat dividing profit for the year attributable to
diatribusikan kepada pemegang saham biasa ordinary shareholders of the entity by the
entitas dengan jumlah rata-rata tertimbang weighted average number of shares
saham yang beredar pada tahun yang outstanding during the year.
bersangkutan.
Laba per saham dilusian dihitung dengan Diluted earnings per share is computed by
membagi laba tahun berjalan yang dapat dividing profit for the year attributable to
diatribusikan kepada pemegang saham biasa ordinary shareholders of the entity by the
entitas dengan rata-rata tertimbang saham yang weighted average number of shares
beredar pada tahun yang bersangkutan yang outstanding during the year adjusted for the
disesuaikan dengan mengasumsikan konversi assumed conversion of all dilutive potential
instrumen berpotensi saham yang bersifat ordinary shares.
dilutif.
ag. Sewa ag. Lease
Sebagai lessee As lessee
Aset pada sewa pembiayaan dicatat pada awal Assets held under finance leases are initially
masa sewa sebesar nilai wajar aset sewaan recognized as assets at their fair value at the
yang ditentukan pada awal kontrak atau, jika inception of the lease or, if lower, at the present
lebih rendah, sebesar nilai kini dari pembayaran value of the minimum lease payments. The
sewa minimum. Liabilitas kepada lessor corresponding liability to the lessor is included
disajikan di dalam laporan posisi keuangan in the statement of financial position as a
sebagai liabilitas sewa pembiayaan. finance lease liability.
Pembayaran sewa harus dipisahkan antara Lease payments are apportioned between
bagian yang merupakan beban keuangan dan finance charges and reduction of the lease
bagian yang merupakan pengurangan dari obligation so as to achieve a constant rate of
liabilitas sewa sehingga mencapai suatu tingkat interest on the remaining balance of the liability.
bunga yang konstan (tetap) atas saldo liabilitas. Finance charges are charged directly to profit or
Beban keuangan dibebankan langsung ke laba loss.
rugi.
40
Page 644
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pembayaran sewa operasi diakui sebagai Operating lease payments are recognized as
beban dengan metode garis lurus (straight- line an expense on a straight-line basis over the
method) selama masa sewa, kecuali terdapat lease term, except where another systematic
dasar sistematis lain yang dapat lebih method is more representative of the time
mencerminkan pola waktu dari manfaat aset pattern in which economic benefits from the
yang dinikmati pengguna. leased asset are consumed.
ah. Segmen operasi ah. Operating segment
Bank menerapkan PSAK 5 (Revisi 2009): The Bank has implemented SFAS 5 (Revised
“Segmen Operasi”. PSAK revisi ini mengatur 2009): “Operating Segments”. The revised
pengungkapan yang memungkinkan pengguna SFAS regulates disclosure to enable users of
laporan keuangan untuk mengevaluasi sifat dan financial statements to evaluate the nature and
dampak keuangan dari aktivitas bisnis dimana financial effects of the business activities in
entitas terlibat dan lingkungan ekonomi dimana which the entity engages and the economic
entitas beroperasi. environments in which it operates.
Segmen operasi adalah komponen Bank yang An operating segment is the Bank’s component
terlibat dalam aktivitas bisnis yang memperoleh that is involved in business activities from which
pendapatan dan menimbulkan beban, yang it may earn revenues and incur expenses,
hasil operasinya dikaji ulang secara reguler oleh whose operating results are regularly reviewed
pengambil keputusan operasional untuk by chief operating decision maker to make
membuat keputusan tentang sumber daya yang decision about resources to be allocated to the
dialokasikan pada segmen tersebut dan segment and performance is assessed and for
kinerjanya dinilai serta tersedia informasi which discrete financial information is available.
keuangan yang dapat dipisahkan. Segmen The operating segment has been determined to
operasi terbagi dalam kelompok pembiayaan, be lending, funding, treasury and service.
pendanaan, treasuri, dan jasa.
Segmen geografis adalah komponen Bank yang A geographical segment is a distinguishable
dapat dibedakan dalam menghasilkan jasa component of the Bank that is engaged in
pada lingkungan (wilayah) ekonomi tertentu dan providing services within a particular economic
komponen itu memiliki risiko dan imbalan yang environment and that is subject to risks and
berbeda dengan risiko dan imbalan pada returns that are different from those operating in
komponen yang beroperasi pada lingkungan other economic environments. The Bank
(wilayah) ekonomi lain. Bank melaporkan reports geographical segment information
segmen geografis berdasarkan daerah Jawa based on Java and other than Java.
dan di luar Jawa.
ai. Pernyataan dan Interpretasi Standar ai. New and Revised Statements and
Akuntansi Baru dan Revisi yang Berlaku Interpretation of Financial Accounting
Efektif pada Tahun Berjalan Standards Effective in the Current Year
Berikut amendemen dan penyesuaian atas The following are amendment and
standar yang berlaku efektif untuk periode yang improvements to standards which effective for
dimulai pada atau setelah 1 Januari 2023, periods beginning on or after January 1, 2023,
dengan penerapan dini diperkenankan yaitu: with early adoption is permitted, are as follows:
• Amendemen PSAK 1: Penyajian Laporan • Amendments to PSAK 1: Presentation of
Keuangan tentang Pengungkapan Kebijakan Financial Statements regarding Disclosure of
Akuntansi; Accounting Policies;
• Amendemen PSAK 1: Penyajian Laporan • Amendments to PSAK 1: Presentation of
Keuangan tentang Klasifikasi Liabilitas Financial Statements regarding
sebagai Jangka Panjang atau Jangka Classification of Liabilities as Current or
Pendek; Non-Current;
• Amendemen PSAK 16: Aset Tetap tentang • Amendments to PSAK 16: Fixed Assets
Hasil Sebelum Penggunaan yang Related to Proceeds Before Intended Use;
Diintensikan;
41
Page 645
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
• Amendemen PSAK 25: Kebijakan Akuntansi, • Amendments to PSAK 25: Accounting
Perubahan Estimasi Akuntansi dan Policies, Changes in Accounting Estimates
Kesalahan tentang Definisi Estimasi and Errors regarding Definition of
Akuntansi; Accounting Estimates;
• Amendemen PSAK 46: Pajak Penghasilan • Amendment to PSAK 46: Income Tax
tentang Pajak Tangguhan Terkait Aset dan regarding Asset-Related Deferred Tax and
Liabilitas Yang Timbul Dari Transaksi Liabilities Arising from a Single Transaction
Tunggal
Implementasi standar-standar tersebut tidak The implementation of the above standards had
memiliki dampak yang signifikan terhadap no significant effect on the amounts reported for
jumlah yang dilaporkan di periode berjalan atau the current period or prior financial year.
tahun sebelumnya.
aj. Standar Akuntansi dan Interpretasi Standar aj. New Accounting Standards and
yang Telah Disahkan, tetapi Belum Berlaku Interpretation of Standard which has Issued
Efektif but not yet Effective
Dewan Standar Akuntansi Keuangan – Ikatan Financial Accounting Standard Board of
Akuntan Indonesia telah menerbitkan beberapa Indonesian Institute of Accountants has issued
standar baru, amandemen, dan penyesuaian several new standards, amendments and
atas standar, serta interpretasi atas standar improvement to standards, and interpretations of
namun belum berlaku efektif untuk periode yang the standards but not yet effective for the period
dimulai pada 1 Januari 2023. beginning on January 1, 2023.
Amandemen dan revisi atas standar yang • Amendment and revised to standards which
berlaku efektif untuk periode yang dimulai pada effective for periods beginning on or after
atau setelah 1 Januari 2024, dengan penerapan January 1, 2024, with early adoption is permitted,
dini diperkenankan yaitu: are as follows:
• Amendemen PSAK 1: Penyajian Laporan • Amendments PSAK 1: Presentation of
Keuangan tentang Liabilitas Jangka Panjang Financial Statements related to Non-
Dengan Kovenan; Current Liabilities with Covenants;
• Amendemen PSAK 73: Liabilitas Sewa • Amendments PSAK 73: Lease Liability in a
dalam Jual dan Sewa–Balik; Sale and Leaseback;
• Amendemen PSAK 2: Laporan Arus Kas dan • Amendments PSAK 2: Statement of Cash
PSAK 60: Instrumen Keuangan: Flows and PSAK 60: Financial Instrument:
Pengungkapan tentang pengaturan Disclosure regarding supplier finance
pembiayaan pemasok; agreement
• Revisi PSAK 101: Penyajian Laporan • Revised PSAK 101: Presentation of Shariah
Keuangan Syariah; dan Financial Statements; and
• Revisi PSAK 109: Akuntansi Zakat, Infak, • Revised PSAK 109: Accounting of Zakah,
dan Sedekah Infaq, and Sadaqah
Standar baru dan amendemen atas standar New standard and amendment to standard which
yang berlaku efektif untuk periode yang dimulai effective for periods beginning on or after
pada atau setelah 1 Januari 2025, dengan January 1, 2025, with early adoption is permitted,
penerapan dini diperkenankan yaitu: are as follows:
• PSAK 74: Kontrak Asuransi; • PSAK 74: Insurance Contract;
• Amendemen PSAK 74: Kontrak Asuransi • Amendments PSAK 74: Insurance Contract
tentang Penerapan Awal PSAK 74 dan PSAK regarding Initial Application of PSAK 74 and
71 – Informasi Komparatif; PSAK 71 – Comparative Information;
• Amendemen PSAK 10: Pengaruh Perubahan • Amendments PSAK 10: Foreign Exchange
Kurs Valuta Asing tentang kekurangan Rate regarding lack of exchangeability.
ketertukaran.
•
•
42
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Beberapa PSAK juga diamendemen yang • Several PSAKs were also amended which were
merupakan amendemen konsekuensial karena consequential amendments due to the enactment
berlakunya PSAK 74: Kontrak Asuransi, yaitu: of PSAK 74: Insurance Contracts, as follows:
• PSAK 1: Penyajian Laporan Keuangan • • PSAK 1: Presentation of Financial
Statements
• PSAK 2: Laporan Arus Kas • PSAK 2: Statement of Cash Flows
• PSAK 13: Properti Investasi • PSAK 13: Investment Property
• PSAK 15: Investasi pada Entitas Asosiasi • PSAK 15: Investment in Associated Entities
dan Ventura Bersama and Joint Ventures
• PSAK 16: Aset Tetap • PSAK 16: Fixed Assets
• PSAK 19: Aset Takberwujud • PSAK 19: Intangible Assets
• PSAK 22: Kombinasi Bisnis • PSAK 22: Business Combinations
• PSAK 24: Imbalan Kerja • PSAK 24: Employee Benefits
• PSAK 48: Penurunan Nilai Aset • PSAK 48: Impairment of Asset
• PSAK 50: Instrumen Keuangan Penyajian • PSAK 50: Financial Instruments:
• PSAK 57: Provisi, Liabilitas Kontijensi dan Presentation
Aset Kontijensi • PSAK 57: Provisions, Contingent Liabilities
• PSAK 58: Aset Tidak Lancar yang Dikuasai and Contingent Assets
untuk Dijual dan Operasi yang Dihentikan • PSAK 58: Non-Current Assets Held for Sale
• PSAK 60: Instrumen Keuangan: and Discontinued Operations
Pengungkapan • PSAK 60: Financial Instruments: Disclosures
• PSAK 71: Instrumen Keuangan • PSAK 71: Financial Instruments
• PSAK 72: Pendapatan dari Kontrak dengan • PSAK 72: Income from Contracts with
Pelanggan Customers
Hingga tanggal laporan keuangan ini diotorisasi, Until the date of the financial statements is
Perusahaan masih melakukan evaluasi atas authorized, the Group is still evaluating the
dampak potensial dari penerapan standar baru, potential impact of the adoption of new
amandemen standar, dan interpretasi standar standards, amendments to standards and
tersebut. interpretations of these standards.
Dewan Standar Akuntansi Keuangan – Ikatan Financial Accounting Standard Board of
Akuntan Indonesia juga mengesahkan Indonesian Institute of Accountants also ratified
perubahan penomoran PSAK dan ISAK yang changes to the numbering pf PSAK and ISAK
berlaku efektif 1 Januari 2024, dimana which will be effective on January 1, 2024. This
perubahan ini tidak memengaruhi substansi change does not affect the substance of the
pengaturan dalam masing-masing PSAK dan requirement in each PSAK and ISAK.
ISAK tersebut.
3. Pertimbangan, Estimasi, dan Asumsi 3. Significant Accounting Judgements,
Akuntansi yang Signifikan Estimates, and Assumptions
Pertimbangan Judgments
Penyusunan laporan keuangan Bank The preparation of the Bank’s financial
mengharuskan manajemen untuk membuat statements requires management to make
pertimbangan, estimasi, dan asumsi yang judgments, estimates, and assumptions that
mempengaruhi jumlah yang dilaporkan dari affect the reported amounts of income,
pendapatan, beban, aset dan liabilitas, dan expenses, assets and liabilities, and the
pengungkapan atas liabilitas kontinjensi, pada disclosure of contingent liabilities, at the end of
akhir tahun pelaporan. Ketidakpastian the reporting year. Uncertainty about these
mengenai asumsi dan estimasi tersebut dapat assumptions and estimates could result in a
mengakibatkan penyesuaian material terhadap material adjustment to the carrying amounts of
nilai tercatat aset dan liabilitas dalam tahun the assets and liabilities within the next
pelaporan berikutnya. reporting year.
43
Page 647
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pertimbangan berikut ini dibuat oleh The following judgments are made by
manajemen dalam rangka penerapan kebijakan management in the process of applying the
akuntansi Bank yang memiliki pengaruh paling Bank’s accounting policies that have the most
signifikan atas jumlah yang diakui dalam significant effect on the amounts recognized in
laporan keuangan Bank: the Bank’s financial statements:
Usaha yang berkelanjutan Going concern
Manajemen Bank telah melakukan penilaian The Bank’s management has made an
atas kemampuan Bank untuk melanjutkan assessment of the Bank’s ability to continue as
kelangsungan usahanya dan berkeyakinan a going concern and believes that the Bank has
bahwa Bank memiliki sumber daya untuk the resources to continue its business for the
melanjutkan usahanya di masa mendatang. foreseeable future. Furthermore, the
Selain itu, manajemen Bank tidak mengetahui management was not aware of any material
adanya ketidakpastian material yang dapat uncertainties that may cast significant doubt to
menimbulkan keraguan yang signifikan the Bank’s ability to continue as a going
terhadap kemampuan Bank untuk melanjutkan concern. Therefore, the financial statements
usahanya. Oleh karena itu, laporan keuangan have been prepared on a going concern basis.
telah disusun atas dasar usaha yang
berkelanjutan.
Klasifikasi aset dan liabilitas keuangan Classification of financial assets and financial
liabilities
Bank menetapkan klasifikasi atas aset dan The Bank determines the classification of
liabilitas tertentu sebagai aset keuangan dan certain assets and liabilities as financial assets
liabilitas keuangan dengan mempertimbangkan and financial liabilities by the definition set forth
definisi yang ditetapkan PSAK 71. Aset in SFAS 71. The financial assets and financial
keuangan dan liabilitas keuangan diakui sesuai liabilities are accounted for in accordance with
dengan kebijakan akuntansi Bank seperti the Bank’s accounting policies disclosed in
diungkapkan pada Catatan 2. Note 2.
Aset keuangan tanpa harga kuotasi di pasar Financial assets not quoted in an active market
aktif
Bank mengklasifikasikan aset keuangan dengan The Bank classifies financial assets by
mengevaluasi, antara lain, apakah aset memiliki evaluating, among others, whether the asset is
harga kuotasi atau tidak di pasar aktif. quoted or not in an active market. Included in
Termasuk dalam evaluasi apakah aset the evaluation on whether a financial asset is
keuangan memiliki kuotasi di pasar aktif adalah quoted in an active market is the determination
penentuan apakah harga yang dikuotasikan on whether quoted prices are readily and
tersedia sewaktu-waktu dan apakah harga regularly available, and whether those prices
tersebut merepresentasikan transaksi pasar represent actual and regularly occurring market
aktual dan teratur terjadi yang dilakukan secara transactions on an arm’s length basis.
wajar.
Untuk instrumen keuangan lainnya, Bank For other financial instruments, the Bank
menentukan nilai wajar dengan menggunakan determines fair values using valuation
teknik penilaian. Teknik penilaian termasuk techniques. Valuation techniques include
model arus kas yang didiskontokan dan discounted cash flow model and comparison to
perbandingan dengan instrumen yang sejenis similar instruments for which market observable
dimana terdapat harga pasar yang dapat prices exist. Assumptions and inputs used in
diobservasi. Asumsi dan input yang digunakan valuation techniques include risk-free and
dalam teknik penilaian termasuk suku bunga benchmark interest rates, credit spreads and
bebas risiko (risk-free) dan suku bunga acuan, other variable used in estimating discount rates,
credit spread dan variabel lainnya yang bond prices, foreign currency exchange rates,
digunakan dalam mengestimasi tingkat and expected price volatilities and correlations.
diskonto, harga obligasi, kurs mata uang asing,
serta tingkat kerentanan dan korelasi harga
yang diharapkan.
44
Page 648
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Ketidakpastian kewajiban perpajakan Uncertainty of tax
Pertimbangan signifikan dilakukan dalam Significant judgement is involved in determining
menentukan provisi atas pajak penghasilan the allowance for corporate income tax and
badan atau pajak lainnya atas transaksi other taxes on certain transactions.
tertentu. Ketidakpastian timbul terkait dengan Uncertainties exist with respect to the
interpretasi dari peraturan perpajakan dan interpretation of tax regulations and the amount
jumlah dan waktu dari penghasilan kena pajak and timing of future taxable income. In
di masa depan. Dalam menentukan jumlah determining the amount to be recognized in
yang harus diakui terkait dengan liabilitas pajak respect of an uncertain tax liability, the Bank
yang tidak pasti, Bank menerapkan applies similar considerations as it would use in
pertimbangan yang sama yang akan digunakan determining the amount of a allowance to be
dalam menentukan jumlah cadangan yang recognized in accordance with SFAS 57
harus diakui sesuai dengan PSAK 57 (Revisi (Revised 2020): “Provisions, Contingent
2020): “Provisi, Liabilitas Kontinjensi, dan Aset Liabilities, and Contingent Assets”. The Bank
Kontinjensi”. Bank membuat analisis untuk makes an analysis of all tax positions related to
semua posisi pajak terkait dengan pajak income taxes to determine if a tax liability for
penghasilan untuk menentukan jika liabilitas unrecognized tax benefit should be recognized.
pajak untuk manfaat pajak yang belum diakui
harus diakui.
Pengakuan aset pajak tangguhan Recognition of deferred tax assets
Aset pajak tangguhan diakui untuk seluruh Deferred tax assets are recognized for all
saldo rugi fiskal yang belum digunakan dan unused tax losses and temporary differences to
perbedaan temporer sejauh terdapat the extent that it is probable that taxable income
kemungkinan bahwa laba kena pajak akan will be available against which the losses can
tersedia dimana kerugian dapat dimanfaatkan. be utilized. Significant management judgment is
Pertimbangan manajemen yang signifikan required to determine the amount of deferred
diperlukan untuk menentukan jumlah aset pajak tax assets that can be recognized, based upon
tangguhan yang dapat diakui, berdasarkan the likely timing and level of future taxable
waktu yang mungkin terjadi dan tingkatan dari income together with future tax planning
laba kena pajak di masa yang akan datang strategies.
seiring dengan strategi perencanaan pajak di
masa yang akan datang.
Bank menelaah aset pajak tangguhan pada The Bank reviews its deferred tax assets at
setiap tanggal posisi keuangan dan mengurangi each financial position dates and reduces the
jumlah tercatat dalam hal tidak ada lagi carrying amount to the extent that it is no longer
kemungkinan bahwa laba kena pajak yang probable that sufficient taxable income will be
cukup akan tersedia untuk mengkompensasi available to allow all or part of the deferred tax
sebagian atau seluruh aset pajak tangguhan. assets to be utilized.
Estimasi dan asumsi Estimates and assumptions
Asumsi utama masa depan dan sumber utama The key assumptions concerning the future and
estimasi ketidakpastian lain pada tanggal other key sources of estimating uncertainty at
pelaporan yang memiliki risiko untuk dapat the reporting date that have a significant risk of
menyebabkan penyesuaian yang material causing a material adjustment to the carrying
terhadap nilai tercatat aset dan liabilitas untuk amounts of assets and liabilities within the next
periode berikutnya diungkapkan di bawah ini. financial period are disclosed below. The Bank
Bank mendasarkan asumsi dan estimasi yang based its assumptions and estimates on
digunakan pada parameter yang tersedia pada parameters available when the financial
saat laporan keuangan disusun. statements were prepared.
Asumsi dan situasi mengenai perkembangan Existing circumstances and assumptions about
masa depan dapat berubah akibat perubahan future developments may change due to market
pasar atau situasi yang timbul di luar kendali changes or circumstances arising beyond the
Bank. Perubahan tersebut dicerminkan dalam control of the Bank. Such changes are reflected
asumsi yang digunakan pada saat terjadinya. in the assumptions when they occur.
45
Page 649
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Penurunan nilai kredit yang diberikan dan Impairment of loans and receivables
piutang
Pengukuran cadangan kerugian penurunan nilai The measurement of impairment losses under
berdasarkan PSAK 71 atas aset keuangan yang SFAS 71 on financial assets in scope requires
relevan memerlukan pertimbangan, khususnya, judgement, in particular, the estimation of the
estimasi atas jumlah dan waktu dari arus kas di amount and timing of future cash flows and the
masa depan dan penilaian atas peningkatan assessment of a significant increase in credit
signifikan pada risiko kredit. Estimasi ini risk. These estimates are driven by a number of
ditentukan oleh sejumlah faktor, dimana factors, changes in which can result in different
perubahan faktor-faktor tersebut dapat level of allowances.
mengakibatkan tingkat pencadangan yang
berbeda.
Beberapa pertimbangan dan estimasi akuntansi Some accounting judgement and estimates
terkait dengan perhitungan kerugian kredit related to expected credit loss calculated are
ekspektasian adalah kriteria untuk menentukan criteria for assessing if there has been a
apakah terdapat kenaikan signifikan pada risiko significant increase in credit risk, and
kredit, pengembangan dan model kerugian development of expected credit losses models,
kredit ekspektasian, termasuk pilihan atas input including the choice of inputs.
yang digunakan.
Penurunan nilai aset non-keuangan Impairment of non-financial assets
Bank mengevaluasi penurunan nilai aset non- The Bank evaluates impairment of non-financial
keuangan apabila terdapat kejadian atau assets if there is event or change in
perubahan keadaan yang mengindikasikan circumstance that may indicate that the carrying
bahwa nilai tercatat aset non-keuangan tidak amount of the non- financial assets may not be
dapat dipulihkan kembali. recovered.
Penurunan nilai timbul saat nilai tercatat aset An impairment exists when the carrying value of
melebihi nilai terpulihkannya, yaitu mana yang an asset exceeds its recoverable amount,
lebih besar antara nilai wajar dikurangi biaya which is the higher of its fair value less costs to
untuk menjual dan nilai pakainya. Nilai wajar sell and its value in use. The fair value less
dikurangi biaya untuk menjual didasarkan pada costs to sell calculation is based on available
ketersediaan data dari perjanjian penjualan data from binding sales transactions in an arm's
yang mengikat yang dibuat dalam transaksi length transaction of similar assets or
normal atas aset serupa atau harga pasar yang observable market prices less incremental
dapat diamati dikurangi dengan biaya tambahan costs for disposing the asset.
yang dapat diatribusikan dengan pelepasan
aset.
Estimasi masa manfaat aset tetap Estimated useful lives of fixed assets
Masa manfaat aset tetap ditentukan The useful life of each fixed asset is estimated
berdasarkan periode ketika aset tersebut based on the period over which the asset is
diharapkan tersedia untuk digunakan. Estimasi expected to be available for use. Such
ini ditentukan berdasarkan evaluasi teknis estimation is based on internal technical
internal dan pengalaman atas aset sejenis. evaluation and experience with similar assets.
Estimasi masa manfaat setiap aset direviu The estimated useful life of each asset is
secara periodik dan disesuaikan apabila reviewed periodically and updated if
ekspektasi berbeda dengan estimasi expectations different from previous estimates
sebelumnya karena keausan, keusangan teknis, due to physical wear and tear, technical
hukum atau keterbatasan lainnya atas obsolescence, legal or other limitation on the
pemakaian aset. Terdapat kemungkinan bahwa use of the asset. It is possible that future results
hasil operasi dimasa mendatang dapat of operations could be materially affected by
dipengaruhi secara signifikan oleh perubahan changes in the amounts and timing of recorded
atas jumlah dan periode pencatatan biaya yang expenses brought about by changes in the
diakibatkan oleh perubahan faktor yang factors mentioned above.
disebutkan di atas.
46
Page 650
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Perubahan masa manfaat setiap aset tetap A change in the estimated useful life of any
dapat memengaruhi jumlah biaya penyusutan fixed asset would affect the recorded
yang diakui dan penurunan nilai tercatat aset depreciation expense and decrease in the
tersebut. carrying values of this asset.
Estimasi jangka waktu sewa Estimated lease terms
Bank menentukan jangka waktu sewa sebagai The Bank determines the lease term as a non
jangka waktu sewa yang tidak dapat dibatalkan, cancellable lease term, along with the period
bersama dengan periode yang dicakup oleh covered by the option to extend the lease if it is
opsi untuk memperpanjang masa sewa jika reasonably exercised, or any period covered by
dipastikan akan dilaksanakan, atau periode apa the option to terminate the lease, if it
pun yang dicakup oleh opsi untuk menghentikan reasonable not to be exercised.
sewa, jika cukup wajar untuk tidak dilakukan.
Bank memiliki beberapa kontrak sewa yang The Bank has several leases that include
mencakup opsi perpanjangan dan penghentian extention option and termination of lease term.
jangka waktu sewa. Bank menerapkan penilaian The Bank implements the assessment in
dalam mengevaluasi apakah dapat dipastikan evaluating whether it is ensured to exercise the
jika akan menggunakan opsi untuk extention or termination option of lease. This is
memperpanjang atau menghentikan sewa. Hal done by taking into consideration all relevant
tersebut dilakukan dengan mempertimbangkan facts and circumstances that provide economic
seluruh fakta dan keadaan yang relevan yang incentives for the extention or termination of the
memberikan insentif ekonomi untuk melakukan lease. After the commencement date, the Bank
perpanjangan atau penghentian sewa. Setelah assesses the lease term, if there is an event or
tanggal dimulainya, Bank menilai kembali masa significant change in circumstances that are in
sewa, jika terdapat peristiwa atau perubahan control and affects whether the Bank is
signifikan dalam keadaan yang berada dalam reasonable to exercise the extention or
kendali dan mempengaruhi apakah Bank cukup termination option of the lease.
pasti untuk mengeksekusi opsi memperpanjang
atau menghentikan sewa.
Nilai kini atas kewajiban pensiun Present value of employee benefits obligation
Biaya atas program pensiun dan imbalan The cost present value of employee benefits
pasca-kerja lainnya ditentukan dengan obligations is determined using actuarial
menggunakan penilaian aktuarial. Penilaian valuations. The actuarial valuation involves
aktuarial melibatkan penggunaan asumsi making assumptions about discount rates,
mengenai tingkat diskonto, tingkat expected rates of return on assets, future salary
pengembalian yang diharapkan dari aset, increases, mortality rates and disability rate,
kenaikan gaji di masa depan, tingkat kematian and future pension increases. Due to the long-
dan kecacatan, dan peningkatan jumlah term nature of these plans, such estimates are
pensiun di masa depan. Karena program subject to significant uncertainty.
tersebut memiliki sifat jangka panjang, maka
perkiraan tersebut memiliki ketidakpastian yang
signifikan.
Estimasi dan asumsi yang digunakan ditelaah Estimates and assumptions used are reviewed
secara berkesinambungan. Revisi atas estimasi continuosly. Revisions to accounting estimates
akuntansi diakui pada periode ketika estimasi are recognized in the period in which the
tersebut direvisi dan periode yang akan datang estimates are revised and in any future period
yang dipengaruhi oleh revisi estimasi tersebut. affected by the revised estimated.
47
Page 651
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
4. Kas 4. Cash
2023 2022
Rupiah 130.243 142.027 Rupiah
Dolar Amerika Serikat 36.391 35.675 United States Dollar
Won Korea 5.424 6.035 Korean Won
Total 172.058 183.737 Total
Saldo dalam mata uang Rupiah termasuk kas The Rupiah balance includes cash in ATMs
pada Anjungan Tunai Mandiri (ATM) sebesar (Automatic Teller Machines) amounting to
Rp43.078 dan Rp43.154 masing-masing pada Rp43,078 and Rp43,154 as of December 31,
tanggal 31 Desember 2023 dan 2022. 2023 and 2022, respectively.
5. Giro pada Bank Indonesia 5. Current Accounts with Bank Indonesia
2023 2022
Rupiah 970.510 1.065.967 Rupiah
Dolar Amerika Serikat 631.030 626.342 United States Dollar
Total 1.601.540 1.692.309 Total
Bank dipersyaratkan untuk memiliki Giro Wajib The Bank is required to maintain minimum
Minimum (GWM) dalam mata uang Rupiah dan statutory reserves (GWM) in Rupiah and GWM
GWM dalam mata uang asing, dalam in foreign currencies for foreign exchange
kegiatannya melakukan transaksi mata uang banking. GWM are maintained in the form of
asing. GWM disimpan dalam bentuk giro pada current accounts with Bank Indonesia.
Bank Indonesia.
GWM primer adalah simpanan minimum yang Primary minimum statutory reserve is a
wajib dipenuhi oleh Bank dalam bentuk saldo minimum reserve that should be maintained by
rekening giro pada Bank Indonesia. Penyangga the Bank in current accounts with Bank
Likuiditas Makroprudensial (dahulu GWM Indonesia. Macroprudential Liquidity Buffer
sekunder) adalah cadangan minimum yang (formerly secondary minimum statutory reserve)
wajib dipelihara oleh Bank berupa Sertifikat whichis the minimum reserves that should be
Bank Indonesia (SBI), Surat Utang Negara maintained by the Bank, comprised of
(SUN), dan Surat Berharga Syariah Negara Certificates of Bank Indonesia (SBI),
(SBSN). GWM Rasio Intermediasi Government Debenture Debt (SUN), and
Makroprudensial (RIM) (dahulu GWM LFR) Sharia Government Securities (SBSN). The
adalah tambahan simpanan minimum yang minimum statutory reserve on Macroprudential
wajib dipenuhi oleh Bank dalam bentuk saldo Intermediation Ratio (RIM) (formerly minimum
rekening giro pada Bank Indonesia, jika RIM statutory reserve on LFR) is the additional
Bank di bawah minimum RIM target Bank reserve that should be maintained by the Bank
Indonesia (84%) atau jika di atas maksimum in the form of current accounts with Bank
RIM target Bank Indonesia (94%) dan Indonesia, if the Bank’s RIM is below the
Kewajiban Penyediaan Modal Minimum (KPMM) minimum of RIM targeted by Bank Indonesia
Bank lebih kecil dari KPMM Insentif Bank (84%) or if the Bank’s RIMis above the
Indonesia sebesar 14%. maximum of RIM targeted by Bank Indonesia
(94%) and the Capital Adequacy Ratio (CAR) is
below Bank Indonesia requirement of 14%.
Rasio GWM pada tanggal 31 Desember 2023 The calculation of the GWM ratio as of
dan 2022 dihitung berdasarkan Peraturan Bank December 31, 2023 and 2022 is based on Bank
Indonesia (PBI) Nomor 20/3/PBI/2018 tanggal Indonesia regulation (PBI) No. 20/3/PBI/2018
29 Maret 2018 Tentang Giro Wajib Minimum dated March 29, 2018 concerning Statutory
48
Page 652
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
dalam Rupiah dan Valuta Asing Bagi Bank Reserves for Commercial Banks in Rupiah and
Umum Konvensional, Bank Umum Syariah, dan Foreign Exchange for Conventional
Unit Usaha Syariah sebagaimana telah diubah Commercial Banks, Sharia Commercial Banks,
beberapa kali dengan PBI No. 22/3/PBI/2020 and Sharia Business Units as amended several
tanggal 24 Maret 2020; PBI No. 22/10/PBI/2020 times with PBI No.22/3/PBI/2020 dated March
tanggal 28 Juli 2020; PBI No. 23/16/PBI/2021 24, 2020; PBI No. 22/10/PBI/2020 dated July
tanggal 21 Desember 2021; dan terakhir kali 28, 2020; PBI No.23/16/PBI/2021 dated
dengan PBI No. 24/4/PBI/2022 tanggal 1 Maret December 21, 2021; and finally through PBI
2022 yang dijelaskan melalui Peraturan No. 24/4/PBI/2022 dated March 1, 2022 which
Anggota Dewan Gubernur (PADG) is explained through the Regulation of Members
No. 20/10/PADG/2018 tanggal 31 Mei 2018 of the Board of Governors (PADG)
Tentang Giro Wajib Minimum dalam Rupiah dan No. 20/10/PADG/2018 dated May 31, 2018
Valuta Asing Bagi Bank Umum Konvensional, concerning Statutory Reserves for Commercial
Bank Umum Syariah, dan Unit Usaha Syariah Banks in Rupiah and Foreign Exchange for
sebagaimana telah diubah beberapa kali Conventional Commercial Banks, Sharia
dengan PADG No. 20/30/PADG/2018 tanggal Commercial Banks, and Sharia Business Units
30 November 2018; PADG as amended several times with PADG No.
No. 21/14/PADG/2019 tanggal 26 Juni 2019; 20/30/PADG/2018 dated November 30, 2018;
PADG No. 21/27/PADG/2019 tanggal 26 PADG No. 21/14/PADG/2019 dated June 26,
Desember 2019; PADG No. 22/2/PADG/2020 2019; PADG No.21/27/PADG/2019 dated
tanggal 10 Maret 2020; PADG December 26, 2019; PADG
No. 22/10/PADG/2020 tanggal 29 April 2020; No.22/2/PADG/2020 dated March 10, 2020;
PADG No. 22/19/PADG/2020 tanggal 29 Juli PADG No. 22/10/PADG 2020 dated April 29,
2020; PADG No. 23/27/PADG/2021 tanggal 21 2020; PADG No.22/19/PADG/2020 dated July
Desember 2021; dan terakhir kali melalui PADG 29, 2020; PADG No. 23/27/PADG/2021 dated
No. 24/3/PADG/2022 tanggal 1 Maret 2022. December 21, 2021; and finally through PADG
Serta mengacu pada PADG No. 24/3/PADG/2022 dated March 1, 2022. And
No. 24/8/PADG/2022 tanggal 30 Juni 2022 also refers to PADG No.24/8/PADG/2022 dated
tentang Peraturan Pelaksanaan Pemenuhan June 30, 2022 concerning regulations for the
Giro Wajib Minimum dalam Rupiah dan Valuta Fulfillment of Statutory Reserves for
Asing bagi Bank Umum Konvensional, Bank Commercial Banks in Rupiah and Foreign
Umum Syariah, dan Unit Usaha Syariah Exchange for Conventional Commercial Banks,
sebagaimana telah diubah beberapa kali Sharia Commercial Banks, and Sharia
dengan PADG No. 2 Tahun 2023 tanggal Business Units as amended several times with
24 Maret 2023; dan terakhir kali dengan PADG PADG No. 2 year 2023 dated March 24, 2023;
No. 12 Tahun 2023 tanggal 27 September and the last time through PADG No. 12 year
2023. 2023 dated September 27, 2023.
Pada tanggal 31 Desember 2023 dan 2022, As December 31, 2023 and 2022, the Bank must
Bank juga harus memenuhi PBI also comply with Bank Indonesia Regulation
No. 20/4/PBI/2018 tanggal 3 April 2018 tentang (PBI) No. 20/4/PBI/2018 dated April 3, 2018
Rasio Intermediasi Makroprudensial dan concerning Macroprudential Intermediation
Penyangga Likuiditas Makroprudensial bagi Ratios and Macroprudential Liquidity Buffers for
Bank Umum Konvensional, Bank Umum Conventional Commercial Banks, Sharia
Syariah, dan Unit Usaha Syariah sebagaimana Commercial Banks, and Sharia Bussiness Unit
telah diubah beberapa kali dengan PBI which has been amended several times with PBI
No. 21/12/PBI/2019 tanggal 25 November 2019; No. 21/12/PBI/2019 dated November 25, 2019;
PBI No. 22/17/PBI/2020 tanggal 1 Oktober 2020; PBI No. 22/17/PBI/2020 dated October 1, 2020;
PBI No. 23/17/PBI/2021 tanggal 21 Desember PBI No. 23/17/PBI/2021 dated December 21,
2021; dan terakhir kali melalui PBI No. 2021; and finally through PBI No.
24/16/PBI/2022 tanggal 31 Oktober 2022 yang 24/16/PBI/2022 dated October 31, 2022 which is
dijelaskan melalui Peraturan Anggota Dewan explained through the Regulation of Members of
Gubernur (PADG) No. 21/22/PADG/2019 the Board of Governors (PADG) No.
tanggal 28 November 2019 tentang tentang 21/22/PADG/2019 dated November 28, 2019
Rasio Intermediasi Makroprudensial dan concerning Macroprudential Intermediation
Penyangga Likuiditas Makroprudensial bagi Ratios and Macroprudential Liquidity Buffers for
Bank Umum Konvensional, Bank Umum Convetional Commercial Banks, Sharia
49
Page 653
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Syariah, dan Unit Usaha Syariah yang telah Commercial Banks and Sharia Business Units
diubah beberapa kali dengan PADG which has been amended several times with
No. 21/11/PADG/2020 tanggal 29 April 2020; PADG No. 21/11/PADG/2020 dated April 29,
PADG No. 22/30/PADG/2020 tanggal 2020; PADG No. 22/30/PADG/2020 dated
5 Oktober 2020; PADG No. 23/7/PADG/2021 October 5, 2020; PADG No. 23/7/PADG/2021
tanggal 26 April 2021; PADG dated April 26, 2021; PADG No.
No. 23/31/PADG/2021 tanggal 23/31/PADG/2021 dated December 31, 2021;
31 Desember 2021; PADG PADG No. 24/14/PADG/2022 dated October 31,
No. 24/14/PADG/2022 tanggal 31 Oktober 2022; 2022; PADG Number 10 of 2023 dated
PADG No. 10 Tahun 2023 tanggal 14 September 14, 2023, and was last amended by
September 2023; dan terakhir kali dengan PADG Number 18 of 2023 dated November 29,
PADG No. 18 Tahun 2023 tanggal 2023.
29 November 2023.
GWM dalam Rupiah dan Mata uang asing GWM in Rupiah and Foreign currencies based
berdasarkan peraturan adalah sebagai berikut: on regulation are as follow:
2023 2022
Rupiah Rupiah
Primer *) 8,20% 7,50% Primary *)
Harian 0,00% 0,00% Daily
Rata-rata 8,20% 7,50% Average
Penyangga Likuiditas Macroprudential Liquidity Buffer (PLM)
Makroprudensial (PLM) (formerly secondary
(dahulu GWM sekunder) 5,00% 6,00% minimum statutory reserve)
Mata uang asing Foreign currencies
Primer 4,00% 4,00% Primary
Harian 2,00% 2,00% Daily
Rata-rata 2,00% 2,00% Average
*) Bank melakukan penyediaan dana untuk kegiatan *) The Bank provides funds for certain and inclusive
ekonomi tertentu dan inklusif, sehingga Bank economic activities, so that the Bank gets a GWM
mendapatkan kelonggaran GWM dalam Rupiah pada allowance in Rupiah on December 31, 2023 and 2022 of
31 Desember 2023 dan 2022 sebesar 0,80% dan 1,50%. 0.80% and 1.50%, respectively. The Rupiah GWM that
GWM Rupiah yang harus dipenuhi Bank pada must be fulfilled by the Bank on December 31, 2023
31 Desember 2023 yang seharusnya masing-masing which should have been 9.00% with a daily requirement
sebesar 9,00% dengan ketentuan harian 0,00% dan of 0.00% and an average of 9.00% has become 8.20%
rata-rata 9,00% menjadi sebesar 8,20% dengan with a daily requirement of 0.00% and an average of
ketentuan harian 0,00% dan rata-rata 8,20% (2022: 8.20% (2022: become 7.50% with a daily requirement of
menjadi sebesar 7,50% dengan ketentuan harian 0,00% 0.00% and an average of 7.50%).
dan rata-rata 7,50%).
Rasio GWM Bank pada tanggal 31 Desember As of December 31, 2023 and 2022, the GWM
2023 dan 2022 adalah sebagai berikut (tidak ratios of the Bank are as follows (unaudited):
diaudit):
2023 2022
Rupiah Rupiah
Primer 8,48% 7,62% Primary
Harian *) 0,00% 0,00% Daily *)
Rata-rata 8,48% 7,62% Average
Penyangga Likuiditas Macroprudential Liquidity Buffer (PLM)
Makroprudensial (PLM) (formerly secondary
(dahulu GWM sekunder) 21,08% 22,36% minimum statutory reserve)
Mata uang asing Foreign currencies
Primer 4,04% 4,07% Primary
Harian **) 2,00% 2,00% Daily **)
Rata-rata 2,04% 2,07% Average
*) Realisasi GWM harian Rupiah pada tanggal *) Realization of daily Rupiah GWM as of December 31,
31 Desember 2023 dan 2022 masing-masing sebesar 2023 and 2022 is 5.45% and 6.17%, respectively. Thus,
50
Page 654
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
5,45% dan 6,17%. Dengan demikian, Bank telah the Bank has complied with Bank Indonesia regulations.
memenuhi ketentuan Bank Indonesia.
**) Realisasi GWM harian mata uang asing pada tanggal **) Realization of daily foreign currencies GWM as of
31 Desember 2023 dan 2022 masing-masing sebesar December 31, 2023 and 2022 is 2.04% and 2.05%,
2,04% dan 2,05%. Dengan demikian, Bank telah respectively. Thus, the Bank has complied with Bank
memenuhi ketentuan Bank Indonesia. Indonesia regulations.
Bank telah memenuhi ketentuan Bank The Bank has complied with Bank Indonesia
Indonesia tentang Giro Wajib Minimum pada regulations concerning the minimum reserve
tanggal 31 Desember 2023 dan 2022. requirements as of December 31, 2023 and
2022.
6. Giro pada Bank Lain 6. Current Accounts with Other Banks
a. Berdasarkan mata uang, bank, dan pihak- a. By currency, bank, and parties
pihak
2023 2022
Pihak berelasi (Catatan 29) Related party (Notes 29)
Mata uang asing Foreign currencies
Euro Eropa European Euro
KEB Hana Bank, Deutschland 8.745 3.556 KEB Hana Bank, Deutschland
Pihak ketiga Third parties
Rupiah Rupiah
PT Bank Central Asia Tbk 201.418 177.465 PT Bank Central Asia Tbk
PT Bank Rakyat Indonesia (Persero) Tbk 55.444 -- PT Bank Rakyat Indonesia (Persero) Tbk
PT Bank Maybank Indonesia Tbk 758 663 PT Bank Maybank Indonesia Tbk
Standard Chartered Bank, Standard Chartered Bank,
Cabang Jakarta 650 650 Jakarta Branch
PT Bank Mandiri (Persero) Tbk 48 22 PT Bank Mandiri (Persero) Tbk
258.318 178.800
Mata uang asing Foreign currencies
Dolar Amerika Serikat United States Dollar
JP Morgan Chase Bank, New York 34.463 306.030 JP Morgan Chase Bank, New York
PT Bank Mandiri (Persero) Tbk 33.510 63.134 PT Bank Mandiri (Persero) Tbk
PT Bank Central Asia Tbk 18.214 94.078 PT Bank Central Asia Tbk
Bank of America N.A., New York 7.614 45.857 Bank of America N.A., New York
Citibank N.A., New York 7.404 51.791 Citibank N.A., New York
Wells Fargo Bank N.A., New York 5.332 4.229 Wells Fargo Bank N.A., New York
DBS Bank Ltd, Singapura 3.379 560 DBS Bank Ltd, Singapore
PT Bank CIMB Niaga Tbk 1.796 -- PT Bank CIMB Niaga Tbk
JP Morgan Chase Bank, Hong Kong 26 40 JP Morgan Chase Bank, Hong Kong
Dolar Singapura Singapore Dollar
DBS Bank Ltd, Singapura 3.518 13.973 DBS Bank Ltd, Singapore
Yen Jepang Japanese Yen
Sumitomo
Sumitomo Mitsui Banking
Mitsui Banking Corporation, Sumitomo
Sumitomo Mitsui Banking
Mitsui Banking
Jepang 3.126 3.716 Corporation, Japan
Pound Sterling Inggris Great Britain Pound Sterling
JP Morgan Chase Bank, London 1.019 1.547 JP Morgan Chase Bank, London
Dolar Australia Australian Dollar
National Australia Bank, Melbourne 742 2.410 National Australia Bank, Melbourne
DBS Bank Ltd, Singapura 192 193 DBS Bank Ltd, Singapore
Dolar Hong Kong Hong Kong Dollar
Standard Chartered Bank, Standard Chartered Bank,
Hong Kong 1.229 1.020 Hong Kong
Euro Eropa European Euro
JP Morgan SE Frankfurt 5.970 -- JP Morgan SE Frankfurt
Yuan China China Yuan
Bank of China (Hong Kong) Ltd, Bank of China (Hong Kong) Ltd,
Cabang Jakarta 995 523 Jakarta Branch
128.529 589.101
Total 395.592 771.457 Total
Cadangan kerugian Allowance for
penurunan nilai (512) (952) impairment losses
Neto 395.080 770.505 Net
51
Page 655
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
b. Berdasarkan kolektibilitas b. By collectability
Pada tanggal 31 Desember 2023 dan 2022, All current accounts with other banks as of
semua giro pada bank lain adalah lancar. December 31, 2023 and 2022 are current.
c. Nilai tercatat bruto dan cadangan kerugian c. Gross carrying amount and allowance for
penurunan nilai impairment losses
Mutasi nilai tercatat giro pada bank lain: Movement of carrying amount of current
accounts with others banks:
2023
Stage 1 Stage 2 Stage 3 Total
Nilai tercatat bruto awal Initial gross carrying amount
1 Januari 2023 771.457 -- -- 771.457 as at January 1, 2023
Aset keuangan baru 7.766 -- -- 7.766 New financial assets
Aset keuangan dihentikan Financial assets derecognized
pengakuannya atau dilunasi or repaid
(kecuali hapus buku) -- -- -- -- (exclude write-off)
Pengukuran kembali (383.629) -- -- (383.629) Remeasurement
Penghapusbukuan -- -- -- -- Written off
Total perubahan nilai bruto Changes in gross carrying amount
tahun berjalan (375.863) -- -- (375.863) for the year
Dampak valuta asing (2) -- -- (2) Foreign exchange
Nilai tercatat bruto akhir 395.592 -- -- 395.592 Ending gross carrying amount
2022
Stage 1 Stage 2 Stage 3 Total
Nilai tercatat bruto awal Initial gross carrying amount
1 Januari 2022 586.975 -- -- 586.975 as at January 1, 2022
Aset keuangan baru 753 -- -- 753 New financial assets
Aset keuangan dihentikan Financial assets derecognized
pengakuannya atau dilunasi or repaid
(kecuali hapus buku) -- -- -- -- (exclude write-off)
Pengukuran kembali 183.727 -- -- 183.727 Remeasurement
Penghapusbukuan -- -- -- -- Written off
Total perubahan nilai bruto Changes in gross carrying amount
tahun berjalan 184.480 -- -- 184.480 for the year
Dampak valuta asing 2 -- -- 2 Foreign exchange
Nilai tercatat bruto akhir 771.457 -- -- 771.457 Ending gross carrying amount
Mutasi cadangan kerugian penurunan nilai Movements of allowance for impairment losses
giro pada bank lain: on current accounts with others banks:
2023
Stage 1 Stage 2 Stage 3 Total
Saldo awal 952 -- -- 952 Beginning balance
Aset keuangan baru -- -- -- -- New financial assets
Aset keuangan dihentikan Financial assets derecognized
pengakuannya atau dilunasi or repaid
(kecuali hapus buku) (440) -- -- (440) (exclude write-off)
Pengukuran kembali -- -- -- Remeasurement
Penghapusbukuan -- -- -- -- Written off
Total perubahan tahun berjalan (440) -- -- (440) Changes for the year
Dampak valuta asing -- -- -- -- Foreign exchange
Saldo akhir 512 -- -- 512 Ending balance
52
Page 656
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2022
Stage 1 Stage 2 Stage 3 Total
Saldo awal 589 -- -- 589 Beginning balance
Aset keuangan baru -- -- -- -- New financial assets
Aset keuangan dihentikan Financial assets derecognized
pengakuannya atau dilunasi or repaid
(kecuali hapus buku) -- -- -- -- (exclude write-off)
Pengukuran kembali 363 -- -- 363 Remeasurement
Penghapusbukuan -- -- -- -- Written off
Total perubahan tahun berjalan 363 -- -- 363 Changes for the year
Dampak valuta asing -- -- -- -- Foreign exchange
Saldo akhir 952 -- -- 952 Ending balance
Manajemen berpendapat bahwa jumlah Management believes that the amount of
cadangan kerugian penurunan nilai yang allowance for impairment losses is adequate
dibentuk cukup untuk menutup kemungkinan to cover losses on uncollectible current
kerugian atas tidak tertagihnya giro pada account with other banks as of
bank lain pada tanggal 31 Desember 2023 December 31, 2023 and 2022.
dan 2022.
e. Tingkat suku bunga rata-rata setahun e. Average interest rate per annum
2023 2022
Rupiah 0,02% 0,00% Rupiah
Dolar Amerika Serikat 1,89% 0,22% United States Dollar
Yuan China 0,81% 0,83% China Yuan
Dolar Australia 1,42% 0,00% Australian Dollar
Dolar Hong Kong 0,00% 0,00% Hong Kong Dollar
Dolar Singapura 0,25% 0,00% Singapore Dollar
Euro Eropa 0,00% 0,00% European Euro
Pound Sterling Inggris 0,89% 0,00% Great Britain Pound Sterling
Yen Jepang 0,00% 0,00% JapaneseYen
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, there
tidak terdapat giro pada bank lain yang were no current accounts with other banks
dijadikan agunan oleh Bank. which are pledged as collaterals by the Bank.
Informasi mengenai sisa umur jatuh tempo Information related to maturity is disclosed in
diungkapkan pada Catatan 37. Note 37.
7. Penempatan pada Bank Indonesia dan Bank 7. Placements with Bank Indonesia and Other
Lain Banks
a. Berdasarkan mata uang, jenis, bank, dan a. By currency, type, bank, and parties
pihak-pihak
2023 2022
Rupiah Rupiah
Negotiable certificate of deposit Negotiable certificate of deposit
PT Bank Tabungan Negara (Perseo) Tbk 80.000 -- PT Bank Tabungan Negara (Perseo) Tbk
Bunga yang belum diamortisasi (3.347) -- Unamortized interest
76.653 --
Fasilitas Simpanan Bank Indonesia 800.000 220.000 Bank Indonesia Deposit Facility
Bunga yang belum diamortisasi (116) (29) Unamortized interest
799.884 219.971
53
Page 657
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023 2022
Deposito berjangka Time deposits
Bank Indonesia -- 2.250.000 Bank Indonesia
Bunga yang belum diamortisasi -- (592) Unamortized interest
-- 2.249.408
Subjumlah 876.537 2.469.379 Subtotal
Dolar Amerika Serikat United States Dollar
Deposito berjangka Time deposits
Bank Indonesia 1.262.554 467.025 Bank Indonesia
1.262.554 467.025
Call money Call money
PT Bank IBK Indonesia, Tbk -- 155.675 PT Bank IBK Indonesia, Tbk
Wells Fargo Bank N.A., New York -- 66.940 Wells Fargo Bank N.A., New York
-- 222.615
Subjumlah 1.262.554 689.640 Subtotal
Jumlah 2.139.091 3.159.019 Total
Cadangan kerugian Allowance for
penurunan nilai (104) (275) impairment losses
Neto 2.138.987 3.158.744 Net
b. Berdasarkan jangka waktu b. By due date
2023 2022
Rupiah Rupiah
≤ 1 bulan 799.884 2.469.379 ≤ 1 month
> 3 - 12 bulan 76.653 -- > 3 - 12 months
876.537 2.469.379
Dolar Amerika Serikat United States Dollar
≤ 1 bulan 1.262.554 689.640 ≤ 1 month
Jumlah 2.139.091 3.159.019 Total
Cadangan kerugian penurunan
nilai (104) (275) Allowance for impairment losses
Neto 2.138.987 3.158.744 Net
c. Berdasarkan kolektibilitas c. By collectability
Seluruh penempatan pada Bank Indonesia All placements with Bank Indonesia and
dan bank lain pada tanggal 31 Desember other banks as of December 31, 2023 and
2023 dan 2022 adalah lancar. 2022 are current.
d. Nilai tercatat bruto dan cadangan kerugian d. Gross carrying amount and allowance for
penurunan nilai impairment losses
Mutasi nilai tercatat penempatan pada Bank Movement of carrying amount of
Indonesia dan bank lain: placements with Bank Indonesia and other
banks:
54
Page 658
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023
Stage 1 Stage 2 Stage 3 Total
Nilai tercatat bruto awal Initial gross carrying amount
1 Januari 2023 3.159.019 -- -- 3.159.019 as at January 1, 2023
Aset keuangan baru 76.653 -- -- 76.653 New financial assets
Aset keuangan dihentikan Financial assets derecognized
pengakuannya atau dilunasi or repaid
(kecuali hapus buku) (2.472.023) -- -- (2.472.023) (exclude write-off)
Pengukuran kembali 1.375.925 -- -- 1.375.925 Remeasurement
Penghapusbukuan -- -- -- -- Written off
Total perubahan nilai bruto Changes in gross carrying amount
tahun berjalan (1.019.445) -- -- (1.019.445) for the year
Dampak valuta asing (483) -- -- (483) Foreign exchange
Nilai tercatat bruto akhir 2.139.091 -- -- 2.139.091 Ending gross carrying amount
2022
Stage 1 Stage 2 Stage 3 Total
Nilai tercatat bruto awal Initial gross carrying amount
1 Januari 2022 2.352.982 -- -- 2.352.982 as at January 1, 2022
Aset keuangan baru 3.159.640 -- -- 3.159.640 New financial assets
Aset keuangan dihentikan Financial assets derecognized
pengakuannya atau dilunasi or repaid
(kecuali hapus buku) (2.355.100) -- -- (2.355.100) (exclude write-off)
Pengukuran kembali -- -- -- -- Remeasurement
Penghapusbukuan -- -- -- -- Written off
Total perubahan nilai bruto Changes in gross carrying amount
tahun berjalan 804.540 -- -- 804.540 for the year
Dampak valuta asing 1.497 -- -- 1.497 Foreign exchange
Nilai tercatat bruto akhir 3.159.019 -- -- 3.159.019 Ending gross carrying amount
Mutasi cadangan kerugian penurunan nilai Movements of allowance for impairment
penempatan pada Bank Indonesia dan losses on of placements with Bank
bank lain: Indonesia and other banks:
2023
Stage 1 Stage 2 Stage 3 Total
Saldo awal 275 -- -- 275 Beginning balance
Aset keuangan baru 104 -- -- 104 New financial assets
Aset keuangan dihentikan Financial assets derecognized
pengakuannya atau dilunasi or repaid
(kecuali hapus buku) -- -- -- -- (exclude write-off)
Pengukuran kembali (263) -- -- (263) Remeasurement
Penghapusbukuan -- -- -- -- Written off
Total perubahan tahun berjalan (159) -- -- (159) Changes for the year
Dampak valuta asing (12) -- -- (12) Foreign exchange
Saldo akhir 104 -- -- 104 Ending balance
2022
Stage 1 Stage 2 Stage 3 Total
Saldo awal 50 -- -- 50 Beginning balance
Aset keuangan baru 252 -- -- 252 New financial assets
Aset keuangan dihentikan Financial assets derecognized
pengakuannya atau dilunasi or repaid
(kecuali hapus buku) (50) -- -- (50) (exclude write-off)
Pengukuran kembali -- -- -- -- Remeasurement
Penghapusbukuan -- -- -- -- Written off
Total perubahan tahun berjalan 202 -- -- 202 Changes for the year
Dampak valuta asing 23 -- -- 23 Foreign exchange
Saldo akhir 275 -- -- 275 Ending balance
55
Page 659
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Manajemen berpendapat bahwa jumlah Management believes that the amount of
cadangan kerugian penurunan nilai yang allowance for impairment losses is adequate
dibentuk cukup untuk menutup kemungkinan to cover losses on uncollectible placements
kerugian atas tidak tertagihnya penempatan with Bank Indonesia and other banks as of
pada Bank Indonesia dan bank lain pada December 31, 2023 and 2022.
tanggal 31 Desember 2023 dan 2022.
e. Tingkat suku bunga rata-rata setahun e. Average interest rates per annum
2023 2022
Rupiah Rupiah
Fasilitas Simpanan Bank Bank Indonesia
Indonesia 5,11% 2,98% Deposit Facility
Interbank call money 6,08% 4,37% Interbank call money
Deposito berjangka pada Time deposit with Bank
Bank Indonesia 5,62% 3,66% Indonesia
Negotiable certificate of deposit 6,57% 4,61% Negotiable certificate of deposit
Dolar Amerika Serikat United States Dollar
Interbank call money 5,26% 1,45% Interbank call money
Deposito berjangka pada Time deposit with Bank
Bank Indonesia 4,82% 2,41% Indonesia
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, there
tidak terdapat penempatan pada bank lain was no placement with other bank which are
yang dijadikan agunan oleh Bank. pledged as collateral by the Bank.
Informasi mengenai sisa umur jatuh tempo Information related to maturity is disclosed
diungkapkan pada Catatan 37. in Note 37.
8. Efek-Efek 8. Marketable Securities
a. Berdasarkan tujuan, jenis, mata uang, dan a. By purpose, type, currency, and parties
pihak-pihak
2023 2022
Nilai tercatat/ Peringkat/ Nilai tercatat/ Peringkat/
Carrying value Rating Carrying value Rating
Pihak ketiga Third parties
Biaya perolehan diamortisasi Amortized cost
Rupiah Rupiah
Tanpa Tanpa
Obligasi Pemerintah 630.000 peringkat/ 670.000 peringkat/ Government Bonds
Not rated Not rated
Premi yang belum diamortisasi 19.833 23.873 Unamortized premium
649.833 693.873
Obligasi Korporasi Corporate Bonds
Obligasi Berkelanjutan I Pupuk Indonesia Obligasi Berkelanjutan I Pupuk Indonesia
Tahap I Tahun 2017 Seri B 350.000 AAA(idn) 350.000 AAA(idn) Tahap I Tahun 2017 Seri B
Obligasi Berkelanjutan II Pupuk Indonesia Obligasi Berkelanjutan II Pupuk Indonesia
Tahap II Tahun 2021 Seri B 200.000 AAA(idn) 200.000 AAA(idn) Tahap II Tahun 2021 Seri B
Obligasi Berkelanjutan V Obligasi Berkelanjutan V
Astra Sedaya Finance Astra Sedaya Finance
Tahap II Tahun 2021 Seri B 150.000 idAAA 150.000 idAAA Tahap II Tahun 2021 Seri B
Obligasi II Kereta Api Indonesia Obligasi II Kereta Api Indonesia
Tahun 2019 Seri A 106.000 idAAA 106.000 idAA+ Tahun 2019 Seri A
Obligasi Berwawasan Lingkungan I Obligasi Berwawasan Lingkungan I
PT Bank Negara Indonesia PT Bank Negara Indonesia
Tahun 2022 Seri A 90.000 idAAA 90.000 idAAA Tahun 2022 Seri A
56
Page 660
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023 2022
Nilai tercatat/ Peringkat/ Nilai tercatat/ Peringkat/
Carrying value Rating Carrying value Rating
Obligasi Berkelanjutan VI Obligasi Berkelanjutan VI
Sarana Multigriya Finansial Sarana Multigriya Finansial
Tahap II Tahun 2021 80.000 idAAA 80.000 idAAA Tahap II Tahun 2021
Obligasi Berkelanjutan V Obligasi Berkelanjutan V
Federal International Finance Federal International Finance
Tahap II Tahun 2021 Seri B 79.000 idAAA 79.000 idAAA Tahap II Tahun 2021 Seri B
Obligasi Berkelanjutan I Obligasi Berkelanjutan I
Bank Mandiri Taspen Bank Mandiri Taspen
Tahap II Tahun 2021 Seri A 75.000 idAAA 75.000 AA(idn) Tahap II Tahun 2021 Seri A
Obligasi Berkelanjutan IV PNM Obligasi Berkelanjutan IV PNM
Tahap I Tahun 2021 Tahap I Tahun 2021
Seri B 55.000 idAA+ 55.000 idAA Seri B
Obligasi Berkelanjutan I Obligasi Berkelanjutan I
Bussan Auto Finance Bussan Auto Finance
Tahap III Tahun 2021 Seri B 46.000 AAA(idn) 46.000 AAA(idn) Tahap III Tahun 2021 Seri B
Obligasi Berkelanjutan V Obligasi Berkelanjutan V
Adira Finance Tahap I Adira Finance Tahap I
Tahun 2020 Seri B -- -- 40.000 idAAA Tahun 2020 Seri B
Obligasi Berkelanjutan III Obligasi Berkelanjutan III
Bank UOB Indonesia Bank UOB Indonesia
Tahap I Tahun 2021 15.000 AAA(idn) 15.000 AAA(idn) Tahap I Tahun 2021
Obligasi Berkelanjutan VI Obligasi Berkelanjutan VI
Sarana Multigriya Finansial Sarana Multigriya Finansial
Tahap I Tahun 2021 Seri A 14.000 idAAA 14.000 idAAA Tahap I Tahun 2021 Seri A
Obligasi Berwawasan Lingkungan Obligasi Berwawasan Lingkungan
Berkelanjutan I Bank BRI Tahap II Berkelanjutan I Bank BRI Tahap II
Tahun 2023 Seri B 100.000 idAAA -- Tahun 2023 Seri B
Obligasi Berkelanjutan V Obligasi Berkelanjutan V
Federal International Finance Federal International Finance
Tahap V Tahun 2023 Seri B 75.000 idAAA -- Tahap V Tahun 2023 Seri B
Obligasi Berkelanjutan IV SANF Obligasi Berkelanjutan IV SANF
Tahap II Tahun 2023 Seri B 100.000 idAA -- Tahap II Tahun 2023 Seri B
Obligasi Berkelanjutan II Obligasi Berkelanjutan II
Bussan Auto Finance Bussan Auto Finance
Tahap III Tahun 2023 Seri B 54.000 idAAA -- Tahap III Tahun 2023 Seri B
1.589.000 1.300.000
Tanpa Tanpa
Wesel tagih -- peringkat/ 6.338 peringkat/ Trade bills
Diskonto yang belum diamortisasi -- Not rated (92) Not rated Unamortized discount
-- 6.246
Dolar Amerika Serikat United States Dollar
Tanpa Tanpa
Wesel tagih 86.638 peringkat/ 321.784 peringkat/ Trade bills
Diskonto yang belum diamortisasi (585) Not rated (2.908) Not rated Unamortized discount
86.053 318.876
2.324.886 2.318.995
Nilai wajar melalui penghasilan Fair value through
komprehensif lain other comprehensive income
Rupiah Rupiah
Tanpa Tanpa
peringkat/ peringkat/
Obligasi Pemerintah 3.592.620 Not rated 3.647.620 Not rated Government Bonds
Premi yang belum diamortisasi 16.152 22.975 Unamortized premium
(Kerugian) yang
belum direalisasl (11.665) (13.395) Unrealized (losses)
3.597.107 3.657.200
Nilai wajar melalui Fair value through
laba rugi profit or loss
Rupiah Rupiah
Tanpa Tanpa
peringkat/ peringkat/
Reksadana 277.492 Not rated 126.509 Not rated Mutual funds
Total 6.199.485 6.102.704 Total
Cadangan kerugian penurunan nilai (10.393) (8.426) Allowance for impairment losses
Neto 6.189.092 6.094.278 Net
57
Page 661
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Peringkat efek-efek pada 31 Desember 2023 Rating of marketable securities as of
dan 2022 didasarkan atas penilaian dari December 31, 2023 and 2022 are based on
PT Pemeringkat Efek Indonesia. the rating of PT Pemeringkat Efek
Indonesia.
b. Berdasarkan tanggal jatuh tempo b. By maturity date
2023 2022
15 Maret 2024 - 15 April 2032/ 15 Mei 2023 - 15 April 2032/
Obligasi pemerintah March 15, 2024 - April 15, 2032 May 15, 2023 - April 15, 2032 Government bonds
15 April 2024 - 10 Maret 2028/ 7 Juli 2023 - 10 Maret 2028/
Obligasi korporasi April 15, 2024 - March 10, 2028 July 7, 2023 - March 10, 2028 Corporate bonds
4 Januari 2024 - 27 Juni 2024/ 6 Januari 2023 - 26 Juni 2023/
Wesel tagih January 04, 2024 - June 27, 2024 January 06, 2023 - June 26, 2023 Trade bills
8 Januari 2024 - 15 Agustus 2032/ 15 April 2027 - 15 Agustus 2032/
Reksadana January 8, 2024 - August 15, 2032 April 15, 2027 - August 15, 2032 Mutual funds
c. Berdasarkan kolektibilitas c. By collectability
Pada tanggal 31 Desember 2023 dan 2022, All marketable securities as of December 31,
semua efek-efek adalah lancar. 2023 and 2022 are current.
d. Nilai tercatat bruto dan cadangan kerugian d. Gross carrying amount and allowance for
penurunan nilai impairment losses
Mutasi nilai tercatat efek-efek: Movement of carrying amount of marketable
securities:
2023
Stage 1 Stage 2 Stage 3 Total
Nilai tercatat bruto awal Initial gross carrying amount
1 Januari 2023 6.102.704 -- -- 6.102.704 as at January 1, 2023
Aset keuangan baru 479.336 -- -- 479.336 New financial assets
Aset keuangan dihentikan Financial assets derecognized
pengakuannya atau dilunasi or repaid
(kecuali hapus buku) (385.668) -- -- (385.668) (exclude write-off)
Pengukuran kembali 6.276 -- -- 6.276 Remeasurement
Penghapusbukuan -- -- -- -- Written off
Total perubahan nilai bruto Changes in gross carrying amount
tahun berjalan 99.944 -- -- 99.944 for the year
Dampak valuta asing (3.163) -- -- (3.163) Foreign exchange
Nilai tercatat bruto akhir 6.199.485 -- -- 6.199.485 Ending gross carrying amount
2022
Stage 1 Stage 2 Stage 3 Total
Nilai tercatat bruto awal Initial gross carrying amount
1 Januari 2022 7.550.668 -- -- 7.550.668 as at January 1, 2022
Aset keuangan baru 910.285 -- -- 910.285 New financial assets
Aset keuangan dihentikan Financial assets derecognized
pengakuannya atau dilunasi or repaid
(kecuali hapus buku) (1.988.583) -- -- (1.988.583) (exclude write-off)
Pengukuran kembali (356.487) -- -- (356.487) Remeasurement
Penghapusbukuan -- -- -- -- Written off
Total perubahan nilai bruto Changes in gross carrying amount
tahun berjalan (1.434.785) -- -- (1.434.785) for the year
Dampak valuta asing (13.179) -- -- (13.179) Foreign exchange
Nilai tercatat bruto akhir 6.102.704 -- -- 6.102.704 Ending gross carrying amount
58
Page 662
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Mutasi cadangan kerugian penurunan nilai Movements of allowance for impairment
efek-efek: losses on marketable securities:
2023
Stage 1 Stage 2 Stage 3 Total
Saldo awal 8.426 -- -- 8.426 Beginning balance
Aset keuangan baru 2.129 -- -- 2.129 New financial assets
Aset keuangan dihentikan Financial assets derecognized
pengakuannya atau dilunasi or repaid
(kecuali hapus buku) (247) -- -- (247) (exclude write-off)
Pengukuran kembali 85 -- -- 85 Remeasurement
Penghapusbukuan -- -- -- -- Written off
Total perubahan tahun berjalan 1.967 -- -- 1.967 Changes for the year
Dampak valuta asing -- -- -- -- Foreign exchange
Saldo akhir 10.393 -- -- 10.393 Ending balance
2022
Stage 1 Stage 2 Stage 3 Total
Saldo awal 9.380 -- -- 9.380 Beginning balance
Aset keuangan baru 555 -- -- 555 New financial assets
Aset keuangan dihentikan Financial assets derecognized
pengakuannya atau dilunasi or repaid
(kecuali hapus buku) (2.939) -- -- (2.939) (exclude write-off)
Pengukuran kembali 1.383 -- -- 1.383 Remeasurement
Penghapusbukuan -- -- -- -- Written off
Total perubahan tahun berjalan (1.001) -- -- (1.001) Changes for the year
Dampak valuta asing 47 -- -- 47 Foreign exchange
Saldo akhir 8.426 -- -- 8.426 Ending balance
Manajemen berpendapat bahwa jumlah Management believes that the amount of
cadangan kerugian penurunan nilai yang allowance for impairment losses is adequate
dibentuk cukup untuk menutup kemungkinan to cover losses on marketable securities as of
kerugian atas tidak tertagihnya efek-efek December 31, 2023 and 2022.
pada tanggal 31 Desember 2023 dan 2022.
e. Tingkat suku bunga rata-rata setahun e. Average interest rates per annum
2023 2022
Rupiah Rupiah
Obligasi Pemerintah dan Government Bonds and
Obligasi Ritel Indonesia 6,24% 6,39% Indonesia Retail Bonds
Obligasi korporasi 7,00% 7,25% Corporate bonds
Wesel tagih 7,98% 7,62% Trade bills
Dolar Amerika Serikat United States Dollar
Obligasi korporasi -- 4,07% Corporate bonds
Wesel tagih 5,73% 3,43% Trade bills
59
Page 663
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
f. Informasi lain f. Other information
Berikut adalah perubahan nilai wajar atas Movement on fair value of marketable
efek-efek dengan klasifikasi nilai wajar securities classified as fair value through
melalui penghasilan komprehensif lain: other comprehensive income:
2023 2022
Nilai wajar melalui Fair value through
penghasilan komprehensif lain other comprehensive income
Saldo awal (10.448) 88.438 Beginning balance
Perubahan nilai wajar 1.731 (126.777) Changes in fair value
Dampak pajak tangguhan (381) 27.891 Deferred tax impact
Saldo akhir (9.098) (10.448) Ending balance
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, there
tidak terdapat efek-efek yang dijadikan were no marketable securities which are
agunan oleh Bank. pledged as collateral by the Bank.
Pada tanggal 31 Desember 2023 dan 2022, Unamortized premium of securities as of
premi yang belum diamortisasi untuk efek- December 31, 2023 and 2022, amounted to
efek masing-masing sebesar Rp35.400 dan Rp35,400 and Rp43,848, respectively.
Rp43.848.
Informasi mengenai sisa umur jatuh tempo Information related to maturity is disclosed in
diungkapkan pada Catatan 37. Note 37.
9. Tagihan dan Liabilitas Derivatif 9. Derivatives Receivable and Payable
Rincian transaksi derivatif mata uang asing Detail of foreign currency derivative
pada tanggal 31 Desember 2023 dan 2022 transactions as of December 31, 2023 and
adalah sebagai berikut: 2022 are as follows:
2023
Tagihan Liabilitas
Nilai kontrak/ derivatif/ derivatif/
Contract Nilai wajar/ Derivatives Derivatives
amount Fair value receivable payable
Pihak berelasi Related parties
Interest rate swap mata uang asing Foreign currency interest rate swap
Dolar Amerika Serikat United States Dollar
Bank KEB Hana Seoul 769.849 (25.181) -- (25.181) KEB Hana Bank Seoul
Pihak ketiga Third parties
Interest rate swap mata uang asing Foreign currency interest rate swap
Dolar Amerika Serikat United States Dollar
Kilang Pertamina Balikpapan KEB Hana
769.849
Bank Seoul 27.635 27.635 -- Kilang Pertamina Balikpapan
Forward mata uang asing Foreign currency forward
Euro Eropa European Euro
JP Morgan Chase Bank, N.A 30.669 85 85 -- JP Morgan Chase Bank, N.A
(Singapore) (Singapore)
Spot mata uang asing Foreign currency spot
Dolar Amerika Serikat United States Dollar
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 123.176 210 251 (41) (Persero) Tbk
PT Bank OCBC NISP Tbk 92.382 (198) 12 (210) PT Bank OCBC NISP Tbk
60
Page 664
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023
Tagihan Liabilitas
Nilai kontrak/ derivatif/ derivatif/
Contract Nilai wajar/ Derivatives Derivatives
amount Fair value receivable payable
PT Bank Sinarmas Tbk 76.985 65 89 (24) PT Bank Sinarmas Tbk
Hanwha Mining Services Indonesia 61.590 112 112 -- Hanwha Mining Services Indonesia
Deutsche Bank AG 30.794 25 43 (18) Deutsche Bank AG
PT Bank HSBC Indonesia 30.794 106 106 -- PT Bank HSBC Indonesia
PT Bank UOB Indonesia 30.794 (31) 12 (43) PT Bank UOB Indonesia
Bank China Construction Bank China Construction
Bank Indonesia Tbk 15.397 (48) -- (48) Bank Indonesia Tbk
PT Bank CIMB Niaga Tbk 15.397 38 38 -- PT Bank CIMB Niaga Tbk
PT Bank Maybank Indonesia Tbk 15.397 53 53 -- PT Bank Maybank Indonesia Tbk
PT Bank Mizuho Indonesia 15.397 12 12 -- PT Bank Mizuho Indonesia
PT Bank Tabungan Negara PT BankTabungan Negara
(Persero) Tbk 15.397 12 12 -- (Persero) Tbk
Shinhan Bank Indonesia 15.397 (43) -- (43) Shinhan Bank Indonesia
Standard Charterd Bank 15.397 (8) -- (8) Standard Chartered Bank
Bank Woori Saudara Indonesia 15.397 (35) -- (35) Bank Woori Saudara Indonesia
Swap mata uang asing Foreign currency swap
Dolar Amerika Serikat United States Dollar
Citibank N.A., Cabang Jakarta 153.970 185 185 -- Citibank N.A., Jakarta Branch
PT Bank Danamon PT Bank Danamon
Indonesia Tbk 153.970 1.052 1.052 -- Indonesia Tbk
PT Bank HSBC Indonesia 153.970 1.205 1.205 -- PT Bank HSBC Indonesia
Standard Chartered Bank, 107.779 (554) 43 (597) Standard Chartered Bank,
Cabang Jakarta Jakarta Branch
Bank of Tokyo Mitsubishi 76.985 68 68 -- Bank of Tokyo Mitsubishi
PT Bank Mizuho Indonesia 76.985 43 43 -- PT Bank Mizuho Indonesia
PT Bank JTrust Indonesia 30.794 58 58 -- PT Bank JTrust Indonesia
PT Graha Layar Prima Tbk 30.794 797 797 -- PT Graha Layar Prima Tbk
Jumlah 5.663 31.911 (26.248) Total
2022
Tagihan Liabilitas
Nilai kontrak/ derivatif/ derivatif/
Contract Nilai wajar/ Derivatives Derivatives
amount Fair value receivable payable
Pihak
Pihak ketiga Third parties
Forward mata uang asing Foreign currency forward
Dolar Amerika Serikat United States Dollar
PT Bank Sinarmas Tbk 171.245 (1.233) 185 (1.418) PT Bank Sinarmas Tbk
Citibank N.A., New York 108.974 913 975 (62) Citibank N.A., New York
Bank of Tokyo Mitsubishi 77.837 327 327 -- Bank of Tokyo Mitsubishi
Bank of China (Hong Kong) Bank of China (Hong Kong)
Ltd, Cabang Jakarta 77.838 (147) -- (147) Ltd, Jakarta Branch
PT Bank Maybank Indonesia Tbk 46.702 402 402 -- PT Bank Maybank Indonesia Tbk
PT Bank OCBC NISP Tbk 46.701 378 385 (7) PT Bank OCBC NISP Tbk
PT Bank UOB Indonesia 46.704 117 125 (8) PT Bank UOB Indonesia
Bank of America, N.A 46.702 (23) -- (23) Bank of America, N.A
JP Morgan Chase Bank, N.A 36.480 (51) -- (51) JP Morgan Chase Bank, N.A
(Singapore) (Singapore)
Deustche Bank AG 15.567 191 191 -- Deustche Bank AG
Shinhan Bank Indonesia 15.567 (191) -- (191) Shinhan Bank Indonesia
PT Bank Pan Indonesia Tbk 15.567 183 183 -- PT Bank Pan Indonesia Tbk
PT Bank CIMB Niaga Tbk 15.567 (127) -- (127) PT Bank CIMB Niaga Tbk
DBS Bank, Singapura 15.567 72 72 -- DBS Bank, Singapura
PT Bank Permata Tbk 15.567 (63) -- (63) PT Bank Permata Tbk
PT Bank Rakyat Indonesia PT Bank Rakyat Indonesia
(Persero) Tbk 15.567 (7) -- (7) (Persero) Tbk
61
Page 665
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2022
Tagihan Liabilitas
Nilai kontrak/ derivatif/ derivatif/
Contract Nilai wajar/ Derivatives Derivatives
amount Fair value receivable payable
Swap mata uang asing Foreign currency swap
Dolar Amerika Serikat United States Dollar
Standard Charterd Bank, Standard Chartered Bank,
Cabang Jakarta 31.135 241 241 -- Jakarta Branch
PT Graha Layar Prima Tbk 31.135 (1) -- (1) PT Graha Layar Prima Tbk
Total 981 3.086 (2.105) Total
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, all
semua tagihan derivatif diklasifikasikan lancar. derivative receivables are classified as current.
Informasi mengenai sisa umur jatuh tempo Information related to maturity is disclosed in
diungkapkan pada Catatan 37. Note 37.
10. Kredit yang Diberikan 10. Loans
a. Berdasarkan pihak-pihak, jenis, dan mata a. By parties, type, and currency
uang
2023 2022
Pihak ketiga Third parties
Rupiah Rupiah
Modal kerja 12.555.442 11.950.049 Working capital
Investasi 5.100.894 5.123.204 Investment
Konsumsi 1.511.382 1.204.140 Consumption
19.167.718 18.277.393
Dolar Amerika Serikat United States Dollar
Modal kerja 8.432.432 8.301.594 Working capital
Investasi 5.828.367 5.164.710 Investment
Konsumsi -- 467 Consumption
14.260.799 13.466.771
33.428.517 31.744.164
Pihak berelasi (Catatan 29) Related parties (Notes 29)
Rupiah Rupiah
Modal kerja 455.160 459.137 Working capital
Konsumsi 7.256 8.894 Consumption
462.416 468.031
Dolar Amerika Serikat United States Dollar
Investasi 433.118 437.914 Investment
895.534 905.945
Jumlah 34.324.051 32.650.109 Total
Cadangan kerugian
penurunan nilai (984.674) (1.015.413) Allowance for impairment losses
Neto 33.339.377 31.634.696 Net
62
Page 666
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
b. Tingkat suku bunga rata-rata setahun b. Average interest rates per annum
2023 2022
Rupiah 8,21% 8,07% Rupiah
Dolar Amerika Serikat 6,90% 4,32% United States Dollar
c. Berdasarkan kolektibilitas c. By collectability
2023 2022
Individual Individual
Lancar 554.731 663.307 Current
Dalam perhatian khusus 417.157 1.853 Special mention
Kurang lancar 53.391 12.300 Sub-standard
Diragukan 9.423 9.686 Doubtful
Macet 226.200 284.330 Loss
Kolektif Collective
Lancar 32.946.183 31.532.509 Current
Dalam perhatian khusus 116.966 146.124 Special mention
Jumlah 34.324.051 32.650.109 Total
Cadangan kerugian
penurunan nilai (984.674) (1.015.413) Allowance for impairment losses
Neto 33.339.377 31.634.696 Net
d. Berdasarkan sektor ekonomi d. By economic sector
2023 2022
Rupiah Rupiah
Jasa bisnis 6.835.578 6.521.664 Business services
Perdagangan 4.058.554 3.855.559 Trading
Manufaktur 3.682.270 3.762.935 Manufacturing
Transportasi 1.111.398 1.023.158 Transportation
Konstruksi 1.034.160 1.044.872 Construction
Jasa pelayanan sosial 366.499 499.909 Public service
Pertanian 353.742 116.613 Agriculture
Pertambangan 19.115 21.300 Mining
Lain-lain 2.168.818 1.899.414 Others
19.630.134 18.745.424
Dolar Amerika Serikat United States Dollar
Manufaktur 8.603.857 9.054.094 Manufacturing
Jasa bisnis 2.348.909 2.111.162 Business services
Pertambangan 1.080.119 840.332 Mining
Perdagangan 903.654 498.912 Trading
Pertanian 529.960 555.237 Agriculture
Transportasi 289.304 379.850 Transportation
Konstruksi 61.520 102.821 Construction
Jasa pelayanan sosial -- 7.596 Public service
Lain-lain 876.594 354.681 Others
14.693.917 13.904.685
Jumlah 34.324.051 32.650.109 Total
Cadangan kerugian
penurunan nilai (984.674) (1.015.413) Allowance for impairment losses
Neto 33.339.377 31.634.696 Net
63
Page 667
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
e. Nilai tercatat bruto dan cadangan kerugian e. Gross carrying amount and allowance for
penurunan nilai impairment losses
Total kredit dan cadangan kerugian The loans and allowance for impairment
penurunan nilai yang evaluasinya dilakukan losses which impairment evaluation is
secara individual dan kolektif pada tanggal individually and collectively assessed as of
31 Desember 2023 dan 2022 adalah sebagai December 31, 2023 and 2022, are as
berikut: follows:
2023 2022
Individual/ Kolektif/ Individual/ Kolektif/
Individual Collective Individual Collective
Kredit yang diberikan 1.260.903 33.063.148 971.476 31.678.633 Loans
Cadangan kerugian Allowance for impairment
penurunan nilai (594.059) (390.615) (483.734) (531.679) losses
Neto 666.844 32.672.533 487.742 31.146.954 Net
Manajemen berpendapat bahwa jumlah Management believes that the amount of
cadangan kerugian penurunan nilai atas allowance for impairment losses on loans is
kredit yang dibentuk cukup untuk menutup adequate to cover losses on uncollectible
kemungkinan kerugian atas tidak tertagihnya loans.
kredit.
Mutasi nilai tercatat kredit: Movement of carrying amount of loans:
2023
Stage 1 Stage 2 Stage 3 Total
Saldo awal 31.215.338 1.128.455 306.316 32.650.109 Beginning balance
Transfer ke kerugian kredit Transfer to 12 month
ekspektasian 12 bulan expected credit losses
(stage 1) 989.553 (982.270) (7.283) -- (stage 1)
Transfer ke kerugian kredit
ekspektasian sepanjang umurnya Transfer to lifetime expected
- tidak mengalami penurunan credit losses - unimpaired
nilai (stage 2) (35.052) 37.154 (2.102) -- (stage 2)
Transfer ke kerugian kredit Transfer to lifetime expected
ekspektasian yang mengalami credit losses -
penurunan nilai (stage 3) (51.679) (44.087) 95.766 -- impaired (stage 3)
Total saldo awal Total beginning balance
setelah pengalihan 32.118.160 139.252 392.697 32.650.109 after transfer
Pengukuran kembali Remeasurement of
nilai tercatat - neto (1.525.483) 1.414.702 142.863 32.082 carrying amount - net
Aset keuangan baru yang New financial assets originated
diterbitkan atau dibeli 8.864.223 34.919 39.713 8.938.855 or purchased
Aset keuangan yang Financial assets that have been
dihentikan pengakuannya (6.902.439) (108.297) (209.105) (7.219.841) derecognized
Aset keuangan yang
dihapus buku -- -- (77.154) (77.154) Write-off assets
Lain-lain -- -- -- -- Others
Saldo akhir 32.554.461 1.480.576 289.014 34.324.051 Ending balance
64
Page 668
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2022
Stage 1 Stage 2 Stage 3 Total
Saldo awal 27.911.963 1.034.653 358.323 29.304.939 Beginning balance
Transfer ke kerugian kredit Transfer to 12 month
ekspektasian 12 bulan expected credit losses
(stage 1) 72.339 (71.827) (512) -- (stage 1)
Transfer ke kerugian kredit
ekspektasian sepanjang umurnya Transfer to lifetime expected
- tidak mengalami penurunan credit losses - unimpaired
nilai (stage 2) (335.802) 337.946 (2.144) -- (stage 2)
Transfer ke kerugian kredit Transfer to lifetime expected
ekspektasian yang mengalami credit losses -
penurunan nilai (stage 3) (79.823) (61.097) 140.920 -- impaired (stage 3)
Total saldo awal Total beginning balance
setelah pengalihan 27.568.677 1.239.675 496.587 29.304.939 after transfer
Pengukuran kembali Remeasurement of
nilai tercatat - neto (473.861) (74.393) 92.372 (455.882) carrying amount - net
Aset keuangan baru yang New financial assets originated
diterbitkan atau dibeli 8.090.761 352.311 16.893 8.459.965 or purchased
Aset keuangan yang Financial assets that have been
dihentikan pengakuannya (4.016.355) (391.212) (192.226) (4.599.793) derecognized
Aset keuangan yang
dihapus buku -- -- (108.140) (108.140) Write-off assets
Lain-lain 46.116 2.074 830 49.020 Others
Saldo akhir 31.215.338 1.128.455 306.316 32.650.109 Ending balance
Mutasi cadangan kerugian penurunan nilai Movements of allowance for impairment
kredit: losses on loans:
2023
Stage 1 Stage 2 Stage 3 Total
Saldo awal tahun 448.646 409.411 157.356 1.015.413 Beginning balance
Transfer ke: Transfer to:
Kerugian kredit ekspektasian 12 month expected credit
12 bulan (stage 1) 392.116 (388.734) (3.382) -- losses (stage 1)
Kerugian kredit ekspektasian
sepanjang umurnya - tidak Lifetime expected
mengalami penurunan credit losses -
nilai (stage 2) (627) 1.603 (976) -- unimpaired (stage 2)
Kerugian kredit ekspektasian
sepanjang umurnya - Lifetime expected
mengalami penurunan credit losses -
nilai (stage 3) (5.068) (4.780) 9.848 -- impaired (stage 3)
Total saldo awal Total beginning balance
setelah pengalihan 835.067 17.500 162.846 1.015.413 after transfer
Pengukuran kembali cadangan Remeasurement of allowance
kerugian penurunan nilai - neto (501.845) 542.569 168.617 209.341 for impairment losses - net
Aset keuangan baru yang New financial assets originated
diterbitkan atau dibeli 61.671 8.985 28.361 99.017 or purchased
Aset keuangan yang Financial assets that have been
dihentikan pengakuannya (142.837) (13.903) (104.310) (261.050) derecognized
Aset keuangan yang
dihapus buku -- -- (77.154) (77.154) Write-off of financial assets
Lain-lain (893) -- -- (893) Others
Saldo akhir 251.163 555.151 178.360 984.674 Ending balance
65
Page 669
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2022
Stage 1 Stage 2 Stage 3 Total
Saldo awal tahun 413.049 222.113 188.706 823.868 Beginning balance
Transfer ke: Transfer to:
Kerugian kredit ekspektasian 12 month expected credit
12 bulan (stage 1) 6.466 (6.180) (286) -- losses (stage 1)
Kerugian kredit ekspektasian
sepanjang umurnya - tidak Lifetime expected
mengalami penurunan credit losses -
nilai (stage 2) (79.213) 80.298 (1.085) -- unimpaired (stage 2)
Kerugian kredit ekspektasian
sepanjang umurnya - Lifetime expected
mengalami penurunan credit losses -
nilai (stage 3) (7.074) (15.484) 22.558 -- impaired (stage 3)
Total saldo awal Total beginning balance
setelah pengalihan 333.228 280.747 209.893 823.868 after transfer
Pengukuran kembali cadangan Remeasurement of allowance
kerugian penurunan nilai - neto 70.408 77.828 153.044 301.280 for impairment losses - net
Aset keuangan baru yang New financial assets originated
diterbitkan atau dibeli 59.438 198.251 9.046 266.735 or purchased
Aset keuangan yang Financial assets that have been
dihentikan pengakuannya (29.112) (147.415) (106.487) (283.014) derecognized
Aset keuangan yang
dihapus buku -- -- (108.140) (108.140) Write-off of financial assets
Lain-lain 14.684 -- -- 14.684 Others
Saldo akhir 448.646 409.411 157.356 1.015.413 Ending balance
f. Kredit bermasalah f. Non-performing loans
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the
rincian kredit bermasalah (klasifikasi kurang details of non-performing loans (classified as
lancar, diragukan, dan macet) berdasarkan sub-standard, doubtful, and loss) by
sektor ekonomi adalah sebagai berikut: economic sectors are as follows:
2023 2022
Perdagangan 101.499 80.626 Trading
Manufaktur 54.165 57.999 Manufacturing
Jasa bisnis 33.807 63.194 Business services
Transportasi 26.159 1.712 Transportation
Konstruksi 10.051 39.387 Construction
Pertanian 1.712 6.314 Agriculture
Jasa pelayanan sosial -- 1.280 Public service
Lain-lain 61.621 55.804 Others
Jumlah 289.014 306.316 Total
Cadangan kerugian penurunan Allowance for impairment losses
nilai atas kredit bermasalah (178.360) (157.356) on non-performing loans
Neto 110.654 148.960 Net
66
Page 670
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023 2022
Kolektibilitas Collectability
Kurang lancar 53.391 12.300 Sub-standard
Diragukan 9.423 9.686 Doubtful
Macet 226.200 284.330 Loss
289.014 306.316
Cadangan kerugian penurunan Allowance for impairment
nilai atas kredit bermasalah (178.360) (157.356) losses on non-performing loans
Neto 110.654 148.960 Net
Jumlah kredit 34.324.051 32.650.109 Total loans
Rasio kredit bermasalah - bruto 0,86% 0,94% Ratio of non-performing loans - gross
Rasio kredit bermasalah - neto 0,33% 0,46% Ratio of non-performing loans - net
Rasio kredit bermasalah - neto dihitung The non-performing loans - net ratio is
dengan membagi total kredit bermasalah computed by dividing the total non-performing
setelah dikurangi cadangan kerugian loans less allowance for impairment losses to
penurunan nilai dengan total kredit. total loans.
Total minimum cadangan kerugian Total minimum allowance for non-performing
penurunan nilai atas kredit bermasalah loan in accordance with Financial Services
sesuai dengan peraturan Otoritas Jasa Authority regulation as of December 31, 2023
Keuangan pada tanggal 31 Desember 2023 and 2022 are Rp441,990 and Rp469,286,
dan 2022 adalah masing-masing sebesar respectively.
Rp441.990 dan Rp469.286.
g. Berdasarkan jangka waktu kontrak g. By contract period
2023 2022
≤ 1 tahun 14.667.551 13.899.284 ≤ 1 year
> 1 - 2 tahun 801.094 878.104 > 1 - 2 years
> 2 - 5 tahun 9.901.329 8.985.139 > 2 - 5 years
> 5 tahun 8.954.077 8.887.582 > 5 years
Jumlah 34.324.051 32.650.109 Total
Cadangan kerugian
penurunan nilai (984.674) (1.015.413) Allowance for impairment losses
Neto 33.339.377 31.634.696 Net
h. Informasi lain h. Other information
• Kredit sindikasi merupakan kredit yang • The syndicated loans are loans given to
diberikan kepada debitur melalui debtors under syndication agreements
perjanjian pembiayaan bersama dengan with other banks. Total percentage share
bank-bank lain. Jumlah persentase of the Bank as a member in syndicated
bagian Bank sebagai anggota dalam loans as of December 31, 2023 and
kredit sindikasi pada tanggal- tanggal 2022 are 2,33%-12,42% and 2,33%-
31 Desember 2023 dan 2022 adalah 12,09%, respectively.
masing-masing sebesar 2,33%-12,42%
dan 2,33%-12,09%.
• Kredit yang direstrukturisasi pada • Restructured loan as of December 31,
tanggal 31 Desember 2023 dan 2022 2023 and 2022 amounted to
masing-masing sebesar Rp2.879.700 Rp2,879,700 and Rp3,555,197,
dan Rp3.555.197. Berikut adalah kredit respectively. Below are the restructured
yang direstrukturisasi berdasarkan loans based on collectability:
kolektibilitas:
67
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023 2022
Lancar 2.256.136 3.337.440 Current
Dalam perhatian khusus 436.729 53.063 Special mention
Kurang lancar 48.092 6.611 Sub-standard
Diragukan 1.551 5.818 Doubtful
Macet 137.192 152.265 Loss
Jumlah 2.879.700 3.555.197 Total
• Kredit dijamin dengan benda bergerak • Loans are collateralized with fixed and/or
dan/atau tidak bergerak dengan non- fixed assets with fiduciary transfer
pengikatan secara hak tanggungan dan of proprietary rights or mortgages and
hipotik atau akta pemberian hak authorization letters to sell, and other
tanggungan dan surat kuasa memasang collaterals which are generally
hipotik atau surat kuasa untuk menjual, acceptable to the Bank such as savings
atau jaminan lain yang umumnya accounts, current accounts and time
diterima oleh Bank, seperti tabungan, deposits (Note 15).
giro, dan deposito berjangka (Catatan
15).
• Pada tanggal 31 Desember 2023 dan • As of December 31, 2023 and 2022,
2022, tidak terdapat pelanggaran there was no violation or excess of Legal
maupun pelampauan terhadap Batas Lending Limit (LLL).
Maksimum Pemberian Kredit (BMPK).
• Informasi mengenai sisa umur jatuh • Information related to maturity is
tempo diungkapkan pada Catatan 37. disclosed in Note 37.
11. Tagihan dan Liabilitas Akseptasi 11. Acceptances Receivable and Payable
a. Berdasarkan pihak dan mata uang a. By parties and currency
Tagihan Akseptasi Acceptances Receivable
2023 2022
Pihak ketiga Third parties
Dolar Amerika Serikat 1.278.024 1.323.066 United States Dollar
Rupiah 27.039 37.061 Rupiah
Yen 430 442 Yen
Jumlah 1.305.493 1.360.569 Total
Cadangan kerugian Allowance for
penurunan nilai (1.689) (1.679) impairment losses
Neto 1.303.804 1.358.890 Net
Liabilitas Akseptasi Acceptances Payable
2023 2022
Pihak ketiga Third parties
Dolar Amerika Serikat 1.278.024 1.323.066 United States Dollar
Rupiah 27.039 37.061 Rupiah
Yen 430 442 Yen
Jumlah 1.305.493 1.360.569 Total
68
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
b. Berdasarkan jangka waktu kontrak b. By contract period
2023 2022
> 1-3 bulan 90.158 182.641 > 1-3 months
> 3-6 bulan 1.164.326 1.177.928 > 3-6 months
> 6-12 bulan 51.009 -- > 6-12 months
Jumlah 1.305.493 1.360.569 Total
Cadangan kerugian Allowance for
penurunan nilai (1.689) (1.679) impairment losses
Neto 1.303.804 1.358.890 Net
c. Nilai tercatat bruto dan cadangan kerugian c. Gross carrying amount and allowance for
penurunan nilai impairment losses
Mutasi nilai tercatat tagihan akseptasi: Movement of carrying amount of
acceptances receivable:
2023
Stage 1 Stage 2 Stage 3 Total
Nilai tercatat bruto awal Initial gross carrying amount
1 Januari 2022 1.357.097 3.472 -- 1.360.569 as at January 1, 2022
Aset keuangan baru 1.310.660 -- -- 1.310.660 New financial assets
Aset keuangan dihentikan Financial assets derecognized
pengakuannya atau dilunasi or repaid
(kecuali hapus buku) (1.310.886) -- -- (1.310.886) (exclude write-off)
Pengukuran kembali -- (3.472) -- (3.472) Remeasurement
Penghapusbukuan -- -- -- -- Written off
Total perubahan nilai bruto Changes in gross carrying amount
tahun berjalan (226) (3.472) -- (3.698) for the year
Dampak valuta asing (51.378) -- -- (51.378) Foreign exchange
Nilai tercatat bruto akhir 1.305.493 -- -- 1.305.493 Ending gross carrying amount
2022
Stage 1 Stage 2 Stage 3 Total
Nilai tercatat bruto awal Initial gross carrying amount
1 Januari 2021 1.302.659 1.408 -- 1.304.067 as at January 1, 2021
Aset keuangan baru 1.346.088 -- -- 1.346.088 New financial assets
Aset keuangan dihentikan Financial assets derecognized
pengakuannya atau dilunasi or repaid
(kecuali hapus buku) (1.317.987) -- -- (1.317.987) (exclude write-off)
Pengukuran kembali -- -- -- -- Remeasurement
Penghapusbukuan -- -- -- -- Written off
Total perubahan nilai bruto Changes in gross carrying amount
tahun berjalan 28.101 -- -- 28.101 for the year
Dampak valuta asing 26.337 2.064 -- 28.401 Foreign exchange
Nilai tercatat bruto akhir 1.357.097 3.472 -- 1.360.569 Ending gross carrying amount
Mutasi cadangan kerugian penurunan nilai Movements of allowance for impairment
tagihan akseptasi: losses on acceptances receivable:
2023
Stage 1 Stage 2 Stage 3 Total
Saldo awal 1.679 -- -- 1.679 Beginning balance
Aset keuangan baru 1.696 -- -- 1.696 New financial assets
Aset keuangan dihentikan Financial assets derecognized
pengakuannya atau dilunasi or repaid
(kecuali hapus buku) (1.628) -- -- (1.628) (exclude write-off)
Pengukuran kembali -- -- -- -- Remeasurement
Penghapusbukuan -- -- -- -- Written off
Total perubahan tahun berjalan 68 -- -- 68 Changes for the year
Dampak valuta asing (58) -- -- (58) Foreign exchange
Saldo akhir 1.689 -- -- 1.689 Ending balance
69
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2022
Stage 1 Stage 2 Stage 3 Total
Saldo awal 1.309 -- -- 1.309 Beginning balance
Aset keuangan baru 1.661 -- -- 1.661 New financial assets
Aset keuangan dihentikan Financial assets derecognized
pengakuannya atau dilunasi or repaid
(kecuali hapus buku) (1.409) -- -- (1.409) (exclude write-off)
Perpindahan -- -- -- -- Transfer
Pengukuran kembali -- -- -- -- Remeasurement
Penghapusbukuan -- -- -- -- Written off
Total perubahan tahun berjalan 252 -- -- 252 Changes for the year
Dampak valuta asing 118 -- -- 118 Foreign exchange
Saldo akhir 1.679 -- -- 1.679 Ending balance
Manajemen berpendapat bahwa jumlah Management believes that the amount of
cadangan kerugian penurunan nilai yang allowance for impairment losses is adequate
dibentuk cukup untuk menutup kemungkinan to cover losses on acceptances receivable
kerugian atas tidak tertagihnya tagihan as of December 31, 2023 and 2022.
akseptasi pada tanggal 31 Desember 2023
dan 2022.
Informasi mengenai sisa umur jatuh tempo Information related to maturity is disclosed in
diungkapkan pada Catatan 37. Note 37.
12. Investasi dalam Saham 12. Investment in Shares
Rincian investasi dalam saham adalah sebagai Investment in shares consist of the following:
berikut:
2023
Akumulasi bagian
rugi neto asosiasi/
Persentase Accumulated
Jenis usaha/ kepemilikan/ Tahun pendirian/ portion of the
Nama perusahaan/ Nature of Percentage of Year of Total aset/ Biaya perolehan/ net loss of Nilai tercatat/
Name of company business ownership incorporation Total assets Cost associate Carrying value
PT Sinarmas Pembiayaan/
Hana Finance Financing 30% 2015 1.529.537 105.000 1.519 106.519
2022
Akumulasi bagian
rugi neto asosiasi/
Persentase Accumulated
Jenis usaha/ kepemilikan/ Tahun pendirian/ portion of the
Nama perusahaan/ Nature of Percentage of Year of Total aset/ Biaya perolehan/ net loss of Nilai tercatat/
Name of company business ownership incorporation Total assets Cost associate Carrying value
PT Sinarmas Pembiayaan/
Hana Finance Financing 30% 2015 1.407.698 105.000 1.664 106.664
Investasi dalam saham pada tanggal Investment in shares as of December 31, 2023
31 Desember 2023 dan 2022 adalah lancar dan and 2022 are current and not impaired,
tidak ada yang mengalami penurunan nilai therefore no allowance for impairment losses
sehingga cadangan kerugian penurunan nilai were provided.
tidak dibentuk.
70
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
13. Aset Tetap dan Aset Hak-Guna 13. Fixed Assets and Right-of-Use Assets
2023 2022
Aset tetap - neto 320.533 347.542 Fixed assets - net
Aset hak-guna - neto 276.850 295.495 Right-of-use assets - net
Jumlah 597.383 643.037 Total
a. Aset Tetap a. Fixed Assets
2023
Saldo awal/ Saldo akhir/
Beginning Penambahan/ Pengurangan/ Reklasifikasi/ Ending
balance Additions Deductions Reclassifications balance
Biaya perolehan Cost
Tanah 10.867 -- -- -- 10.867 Land
Bangunan 17.095 -- 30 -- 17.065 Buildings
Perangkat lunak dan
perangkat keras 858.039 52.505 9.786 4.552 905.310 Software and hardware
Perlengkapan dan
peralatan kantor 78.703 4.726 6.681 -- 76.748 Office furniture and fixture
Kendaraan bermotor 13.167 876 928 -- 13.115 Motor vehicles
Leasehold
improvement 166.760 -- -- -- 166.760 Leasehold improvement
Aset dalam konstruksi 6.286 80.201 -- (4.552) 81.935 Assets under construction
1.150.917 138.308 17.425 -- 1.271.800
2023
Saldo awal/ Saldo akhir/
Beginning Penambahan/ Pengurangan/ Reklasifikasi/ Ending
balance Additions Deductions Reclassifications balance
Akumulasi penyusutan Accumulated depreciation
Bangunan 7.608 826 30 -- 8.404 Buildings
Perangkat lunak dan
perangkat keras 556.227 153.574 8.851 -- 700.950 Software and hardware
Perlengkapan dan
peralatan kantor 71.151 5.322 6.493 -- 69.980 Office furniture and fixture
Kendaraan bermotor 9.100 1.008 474 -- 9.634 Motor vehicles
Leasehold
improvement 159.289 3.010 -- -- 162.299 Leasehold improvement
803.375 163.740 15.848 -- 951.267
Nilai buku neto 347.542 320.533 Net book value
71
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2022
Saldo awal/ Saldo akhir/
Beginning Penambahan/ Pengurangan/ Reklasifikasi/ Ending
balance Additions Deductions Reclassifications balance
Biaya perolehan Cost
Tanah 10.867 -- -- -- 10.867 Land
Bangunan 17.095 -- -- -- 17.095 Buildings
Perangkat lunak dan
perangkat keras 728.928 117.608 8.593 20.096 858.039 Software and hardware
Perlengkapan dan
peralatan kantor 88.002 295 9.594 -- 78.703 Office furniture and fixture
Kendaraan bermotor 13.299 12 144 -- 13.167 Motor vehicles
Leasehold
improvement 169.323 -- 2.563 -- 166.760 Leasehold improvement
Aset dalam konstruksi 21.137 5.245 -- (20.096) 6.286 Assets under construction
1.048.651 123.160 20.894 -- 1.150.917
Akumulasi penyusutan Accumulated depreciation
Bangunan 5.546 2.062 -- -- 7.608 Buildings
Perangkat lunak dan
perangkat keras 414.659 150.161 8.593 -- 556.227 Software and hardware
Perlengkapan dan
peralatan kantor 76.532 3.982 9.363 -- 71.151 Office furniture and fixture
Kendaraan bermotor 7.931 1.309 140 -- 9.100 Motor vehicles
Leasehold
improvement 144.661 17.191 2.563 -- 159.289 Leasehold improvement
649.329 174.705 20.659 -- 803.375
Nilai buku neto 399.322 347.542 Net book value
Jumlah penyusutan yang dibebankan pada Total depreciation expense charged to other
beban operasional lain sebesar Rp163.740 operating expenses amounted to Rp163,740
dan Rp174.705 masing-masing pada 31 and Rp174,705 as of December 31, 2023 and
Desember 2023 dan 2022 (Catatan 27). 2022, respectively (Note 27).
Pada tahun 2023, Bank melakukan On 2023, the Bank fixed assets has write-off
hapusbuku atas aset tetap dengan nilai buku amounted with book value of Rp1,577.
sebesar Rp1.577.
Bank memiliki tiga bidang tanah yang The Bank owned three parcels of land with
digunakan sebagai kantor cabang dengan Right of Building (Hak Guna Bangunan) for a
hak legal berupa Hak Guna Bangunan yang period of 20 years until year 2031, 2038, and
berjangka waktu 20 tahun dan akan jatuh 2043 where its branch offices are located.
tempo dalam beberapa tahun yaitu 2031, Management believes that the landrights can
2038, dan 2043. Manajemen berkeyakinan be extended upon expiration since all of these
bahwa hak atas tanah tersebut dapat properties were acquired legally and supported
diperpanjang pada saat jatuh tempo karena by sufficient evidence of ownership.
seluruh tanah diperoleh secara sah dan
didukung oleh bukti pemilikan yang
memadai.
Manajemen berpendapat bahwa tidak Management believes that there is no indication
terdapat indikasi terjadinya penurunan nilai of impairment in the value of fixed assets of the
atas aset tetap yang dimiliki Bank pada Bank as of December 31, 2023 and 2022.
tanggal 31 Desember 2023 dan 2022.
Aset tetap kecuali tanah diasuransikan Fixed assets, except lands, are insured against
terhadap risiko kerugian karena kebakaran losses by fire and other risks under certain
dan risiko lainnya berdasarkan suatu paket blanket policies with, among others,
polis tertentu antara lain pada PT Asuransi PT Asuransi Samsung Tugu, PT Asuransi
Samsung Tugu, PT Asuransi Buana Buana Independent, and PT Zurich Asuransi
Independent, dan PT Zurich Asuransi Indonesia Tbk which are not related to the
Indonesia Tbk yang merupakan pihak ketiga Bank. The total insurance coverage amounted
72
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Bank. Jumlah seluruh nilai pertanggungan to Rp363,192 and Rp373,500 as of December
adalah sebesar Rp363.192 dan Rp373.500 31, 2023 and 2022, respectively.
masing-masing pada tanggal 31 Desember
2023 dan 2022.
Manajemen berpendapat bahwa nilai Management believes that the insurance
pertanggungan tersebut cukup untuk coverage is adequate to cover possible losses
menutupi kemungkinan kerugian atas aset on the insured fixed asset.
yang dipertanggungkan.
Rincian aset dalam konstruksi per tanggal Details of assets under construction as of
31 Desember 2023 dan 2022 adalah sebagai December 31, 2023 and 2022 are as follows:
berikut:
2023
Persentase jumlah tercatat Estimasi
terhadap nilai kontrak/ penyelesaian/
Percentage of carrying Estimated
Total amount to contract value completion
Perangkat lunak dan 81.935 10% - 40% 2024 Software and
perangkat keras hardware
2022
Persentase jumlah tercatat Estimasi
terhadap nilai kontrak/ penyelesaian/
Percentage of carrying Estimated
Total amount to contract value completion
Perangkat lunak dan 6.286 15% - 30% 2023-2024 Software and
perangkat keras hardware
Rincian dari keuntungan/(kerugian) atas The details of gain/(loss) on sale of fixed assets
penjualan aset tetap adalah sebagai berikut: are as follows:
2023 2022
Harga jual 277 211 Selling price
Nilai buku -- (79) Book value
Keuntungan penjualan 277 132 Gain on sale
Estimasi nilai wajar tanah dan bangunan Estimated fair values of the Bank’s land and
berdasarkan penilaian internal Bank adalah bulidings based on Bank’s internal appraisal
sebesar Rp39.490 pada tanggal amounted to Rp39,490 as of December 31,
31 Desember 2023 dan 2022 (tidak diaudit) 2023 and 2022 (unaudited) which classified as
yang diklasifikasikan sebagai nilai wajar pada fair value at level 2. For assets other than land
tingkat 2. Selain untuk tanah dan bangunan, and buildings, there is no significant difference
tidak ada perbedaan yang signifikan antara between the estimated fair value and carrying
nilai wajar aset tetap dengan nilai value of fixed assets.
tercatatnya.
73
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
b. Aset Hak-Guna b. Right-of-use Assets
2023
Saldo awal/ Saldo akhir/
Beginning Penambahan/ Pengurangan/ Ending
balance Additions Deductions balance
Biaya perolehan Cost
Bangunan 685.097 58.300 7.105 736.292 Buildings
Kendaraan bermotor 16.204 665 12.319 4.550 Motor vehicles
701.301 58.965 19.424 740.842
Akumulasi penyusutan Accumulated depreciation
Bangunan 390.172 76.711 7.105 459.778 Buildings
Kendaraan bermotor 15.634 899 12.319 4.214 Motor vehicles
405.806 77.610 19.424 463.992
Nilai buku neto 295.495 276.850 Net book value
2022
Saldo awal/ Saldo akhir/
Beginning Penambahan/ Pengurangan/ Ending
balance Additions Deductions balance
Biaya perolehan Cost
Bangunan 709.914 33.380 58.197 685.097 Buildings
Kendaraan bermotor 15.789 1.333 918 16.204 Motor vehicles
725.703 34.713 59.115 701.301
Akumulasi penyusutan Accumulated depreciation
Bangunan 373.076 68.253 51.157 390.172 Buildings
Kendaraan bermotor 15.564 988 918 15.634 Motor vehicles
388.640 69.241 52.075 405.806
Nilai buku neto 337.063 295.495 Net book value
Jumlah penyusutan yang dibebankan pada Total depreciation expense charged to other
beban operasional lain sebesar Rp77.610 operating expenses amounted to Rp77,610 and
dan Rp69.241 masing-masing pada 31 Rp69,241 as of December 31, 2023 and 2022,
Desember 2023 dan 2022 (Catatan 27). respectively (Note 27).
14. Aset Lain-Lain 14. Other Assets
2023 2022
Rupiah Rupiah
Agunan yang diambil alih 467.563 432.111 Foreclosed assets
Bunga yang masih akan diterima 131.689 132.066 Accrued interest receivables
Setoran jaminan 97.483 98.752 Guarantee deposits
Tagihan terkait transaksi ATM 11.879 12.901 Receivable related to ATM transactions
Uang muka 8.422 19.292 Advance payments
Persediaan barang 3.687 4.002 Inventory
Tagihan transaksi letters of credit Letters of credit transactions receivables
(pembiayaan usance paid at sight ) -- 924 (usance paid at sight financing)
Lain-lain 41.759 41.545 Others
762.482 741.593
74
Page 678
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023 2022
Dolar Amerika Serikat United States Dollar
Bunga yang masih akan diterima 57.518 51.514 Accrued interest receivables
Setoran jaminan 77 237 Guarantee deposits
Tagihan transaksi letters of credit Letters of credit transactions receivables
(pembiayaan usance paid at sight ) -- 53.651 (usance paid at sight financing)
Lain-lain 31 19 Others
57.626 105.421
820.108 847.014
Cadangan kerugian
penurunan nilai (11.265) (11.333) Allowance for impairment losses
Jumlah 808.843 835.681 Total
Agunan yang diambil alih merupakan jaminan Foreclosed assets represent loan collaterals in
kredit berupa bangunan dan tanah yang telah the form of buildings and lands that have been
diambil alih oleh Bank. acquired by the Bank.
Termasuk lain-lain pada tanggal 31 Desember Included in December 31, 2023 of others are
2023 merupakan properti terbengkalai sebesar abandoned property amounting to Rp18,115
Rp18.115 dan tagihan lainnya sebesar and other receivables amounting to Rp10,816.
Rp10.816.
Pada tanggal 31 Desember 2023, cadangan As of December 31, 2023, allowance for
kerugian penurunan nilai terdiri atas cadangan impairment losses consist of allowance for
kerugian penurunan nilai atas pembiayaan impairment losses on ussance paid at sight
usance paid at sight (UPAS) sebesar RpNihil, (UPAS) financing amounting RpNil, abandoned
properti terbengkalai sebesar Rp1.487, dan property amounting Rp1,487, and other
tagihan lainnya sebesar Rp9.779 (2022: masing- receivables amounting Rp9,779 (2022: Rp67,
masing sebesar Rp67, Rp1.487, dan Rp9.779). Rp1,487, and Rp9,779, respectively).
Mutasi nilai tercatat pembiayaan usance paid at Movement of carrying amount of usance paid at
sight (UPAS): sight (UPAS) financing:
2023
Stage 1 Stage 2 Stage 3 Total
Nilai tercatat bruto awal Initial gross carrying amount
1 Januari 2023 54.575 -- -- 54.575 as at January 1, 2023
Aset keuangan baru -- -- -- -- New financial assets
Aset keuangan dihentikan Financial assets derecognized
pengakuannya atau dilunasi or repaid
(kecuali hapus buku) (54.575) -- -- (54.575) (exclude write-off)
Pengukuran kembali -- -- -- -- Remeasurement
Penghapusbukuan -- -- -- -- Written off
Total perubahan nilai bruto Changes in gross carrying amount
tahun berjalan (54.575) -- -- (54.575) for the year
Dampak valuta asing -- -- -- -- Foreign exchange
Nilai tercatat bruto akhir -- -- -- -- Ending gross carrying amount
75
Page 679
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2022
Stage 1 Stage 2 Stage 3 Total
Nilai tercatat bruto awal Initial gross carrying amount
1 Januari 2022 52.398 -- -- 52.398 as at January 1, 2022
Aset keuangan baru 53.925 -- -- 53.925 New financial assets
Aset keuangan dihentikan Financial assets derecognized
pengakuannya atau dilunasi or repaid
(kecuali hapus buku) (52.748) -- -- (52.748) (exclude write-off)
Pengukuran kembali -- -- -- -- Remeasurement
Penghapusbukuan -- -- -- -- Written off
Total perubahan nilai bruto Changes in gross carrying amount
tahun berjalan 1.177 -- -- 1.177 for the year
Dampak valuta asing 1.000 -- -- 1.000 Foreign exchange
Nilai tercatat bruto akhir 54.575 -- -- 54.575 Ending gross carrying amount
Mutasi cadangan kerugian penurunan nilai Movements of allowance for impairment losses
pembiayaan usance paid at sight (UPAS): of usance paid at sight (UPAS) financing:
2023
Stage 1 Stage 2 Stage 3 Total
Saldo awal 67 -- -- 67 Beginning balance
Aset keuangan baru -- -- -- -- New financial assets
Aset keuangan dihentikan Financial assets derecognized
pengakuannya atau dilunasi or repaid
(kecuali hapus buku) (66) -- -- (66) (exclude write-off)
Pengukuran kembali -- -- -- -- Remeasurement
Penghapusbukuan -- -- -- -- Written off
Total perubahan tahun berjalan (66) -- -- (66) Changes for the year
Dampak valuta asing (1) -- -- (1) Foreign exchange
Saldo akhir -- -- -- -- Ending balance
2022
Stage 1 Stage 2 Stage 3 Total
Saldo awal 53 -- -- 53 Beginning balance
Aset keuangan baru 70 -- -- 70 New financial assets
Aset keuangan dihentikan Financial assets derecognized
pengakuannya atau dilunasi or repaid
(kecuali hapus buku) (55) -- -- (55) (exclude write-off)
Pengukuran kembali -- -- -- -- Remeasurement
Penghapusbukuan -- -- -- -- Written off
Total perubahan tahun berjalan 15 -- -- 15 Changes for the year
Dampak valuta asing (1) -- -- (1) Foreign exchange
Saldo akhir 67 -- -- 67 Ending balance
Manajemen berpendapat bahwa jumlah Management believes that the amount of
cadangan kerugian penurunan nilai yang allowance for impairment losses is adequate to
dibentuk cukup untuk menutup kemungkinan cover impairment losses on UPAS financing,
kerugian atas penurunan nilai pembiayaan abandoned property, and other receivables.
UPAS, properti terbengkalai, dan tagihan
lainnya.
76
Page 680
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
15. Simpanan Nasabah 15. Deposits from Customers
a. Berdasarkan pihak-pihak, jenis, dan mata a. By parties, types, and currencies
uang
2023 2022
Pihak berelasi (Catatan 29) Related parties (Note 29)
Rupiah Rupiah
Giro 26.018 58.963 Current accounts
Tabungan 9.974 8.408 Savings accounts
Deposito berjangka 161.596 14.963 Time deposits
197.588 82.334
Dolar Amerika Serikat United States Dollar
Giro 43.457 46.197 Current accounts
Deposito berjangka 119.056 439 Time deposits
162.513 46.636
Dolar Australia Australian Dollar
Giro -- 140 Current accounts
360.101 129.110
Pihak ketiga Third parties
Rupiah Rupiah
Giro 4.413.718 5.780.435 Current accounts
Tabungan 1.418.986 1.439.000 Savings accounts
Deposito berjangka 11.285.949 9.788.559 Time deposits
17.118.653 17.007.994
Dolar Amerika Serikat United States Dollar
Giro 3.552.378 4.490.909 Current accounts
Tabungan 717 897 Savings accounts
Deposito berjangka 5.149.606 5.210.650 Time deposits
8.702.701 9.702.456
Euro Eropa European Euro
Giro 44.916 38.031 Current accounts
Dolar Australia Australian Dollar
Giro 5 1.112 Current accounts
Yen Jepang Japanese Yen
Giro 1.102 2.014 Current accounts
Dolar Singapura Singapore Dollar
Giro 1.615 11.826 Current accounts
25.868.992 26.763.433
Jumlah 26.229.093 26.892.543 Total
b. Tingkat suku bunga rata-rata setahun b. Average interest rates per annum
2023 2022
Giro Current accounts
Rupiah 1,41% 1,37% Rupiah
Dolar Amerika Serikat 0,45% 0,10% United States Dollar
Euro Eropa 0,00% 0,00% European Euro
Dolar Australia 0,00% 0,00% Australian Dollar
Pound Sterling Inggris 0,00% 0,00% Great Britain Pound Sterling
Yen Jepang 0,00% 0,00% Japanese Yen
Dolar Singapura 0,00% 0,00% Singapore Dollar
Tabungan Savings accounts
Rupiah 1,61% 1,80% Rupiah
Dolar Amerika Serikat 1,12% 2,26% United States Dollar
Deposito berjangka Time deposits
Rupiah 4,61% 3,19% Rupiah
Dolar Amerika Serikat 3,93% 1,08% United States Dollar
77
Page 681
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
c. Berdasarkan periode kontrak c. By contract period
Klasifikasi deposito berjangka berdasarkan Time deposits based on contract period are
jangka waktu kontrak adalah sebagai berikut: as follows:
2023 2022
Rupiah Rupiah
1 bulan 1.831.065 933.136 1 month
3 bulan 1.554.063 1.321.193 3 months
6 bulan 1.747.243 1.486.063 6 months
12 bulan 1.872.692 1.835.563 12 months
>12 bulan 4.442.482 4.227.567 >12 months
11.447.545 9.803.522
Dolar Amerika Serikat United States Dollar
1 bulan 1.149.526 1.220.562 1 month
3 bulan 1.064.862 747.285 3 months
6 bulan 587.693 933.874 6 months
12 bulan 1.047.995 439.015 12 months
>12 bulan 1.418.586 1.870.353 >12 months
5.268.662 5.211.089
Jumlah 16.716.207 15.014.611 Total
Giro yang diblokir atau dijadikan sebagai Current accounts blocked or pledged
jaminan kredit, letters of credit, dan bank as collaterals for loans, letters of credit, and
garansi masing-masing sebesar Rp888.354 bank guarantees amounted to Rp888,354
dan Rp616.394 pada tanggal 31 Desember and Rp616,394 as of December 31, 2023
2023 dan 2022 (Catatan 10). and 2022, respectively (Note 10).
Tabungan yang diblokir atau dijadikan Saving accounts blocked or pledged
jaminan kredit masing-masing sebesar as collaterals for loans amounted to
Rp59.239 dan Rp32.371 pada tanggal Rp59,239 and Rp32,271 as of
31 Desember 2023 dan 2022 (Catatan 10). December 31, 2023 and 2022, respectively
(Note 10).
Deposito berjangka yang diblokir atau Time deposits blocked or pledged as
dijadikan jaminan kredit, letters of credit, dan collaterals for loans, letters of credit, and
bank garansi masing-masing sebesar bank guarantees amounted to Rp2,363,617
Rp2.363.617 dan Rp2.188.054 pada tanggal and Rp2,188,054 as of December 31, 2023
31 Desember 2023 dan 2022 (Catatan 10). and 2022, respectively (Note 10).
Informasi mengenai sisa umur jatuh tempo Information related to maturity is
diungkapkan pada Catatan 37. disclosed in Note 37.
16. Simpanan dari Bank Lain 16. Deposits from Other Banks
a. Berdasarkan jenis, mata uang, dan pihak- a. By types, currencies, and parties
pihak
2023 2022
Pihak berelasi (Catatan 29) Related party (Notes 29)
Rupiah Rupiah
Giro 7.028 14.087 Current accounts
Dolar Amerika Serikat United States Dollar
Interbank call money 4.619.100 5.137.275 Interbank call money
Giro 90.550 186.150 Current accounts
4.709.650 5.323.425
4.716.678 5.337.512
78
Page 682
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023 2022
Pihak ketiga Third parties
Rupiah Rupiah
Giro 28.686 73.589 Current accounts
Deposito berjangka 1.400 -- Time deposits
30.086 73.589
Dolar Amerika Serikat United States Dollar
Giro 205 45 Current accounts
30.291 73.634
Jumlah 4.746.969 5.411.146 Total
b. Tingkat suku bunga rata-rata setahun b. Average interest rates per annum
2023 2022
Rupiah Rupiah
Giro 0,83% 0,74% Current accounts
Interbank call money 5,60% 2,83% Interbank call money
Deposito berjangka 0,25% 0,21% Time deposits
Negotiable certificate of deposit 0,00% 0,00% Negotiable certificate of deposits
Dolar Amerika Serikat United States Dollar
Giro 0,00% 0,00% Current accounts
Interbank call money 5,88% 1,89% Interbank call money
c. Berdasarkan periode kontrak c. By contract period
2023 2022
Rupiah Rupiah
≤ 1 bulan 37.114 87.676 ≤ 1 month
37.114 87.676
Dolar Amerika Serikat United States Dollar
≤ 1 bulan 90.755 186.195 ≤ 1 month
> 6 - 12 bulan 4.619.100 5.137.275 > 6 - 12 months
4.709.855 5.323.470
Jumlah 4.746.969 5.411.146 Total
Informasi mengenai sisa umur jatuh tempo Information related to maturity is disclosed in
diungkapkan pada Catatan 37. Note 37.
79
Page 683
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
17. Pinjaman yang Diterima 17. Borrowings
2023 2022
Pihak ketiga Third parties
Rupiah Rupiah
PT Bank Central Asia Tbk 500.000 500.000 PT Bank Central Asia Tbk
PT Bank Mega Tbk -- 924 PT Bank Mega Tbk
500.000 500.924
Dolar Amerika Serikat United States Dollar
PT Bank Rakyat Indonesia (Persero) Tbk 769.850 -- PT Bank Rakyat Indonesia (Persero) Tbk
PT Bank Negara Indonesia (Persero) Tbk 692.865 -- PT Bank Negara Indonesia (Persero) Tbk
PT Bank UOB Indonesia 615.880 -- PT Bank UOB Indonesia
Citibank N.A., Cabang Jakarta -- 47.615 Citibank N.A., Jakarta Branch
PT Bank Mega Tbk -- 6.036 PT Bank Mega Tbk
2.078.595 53.651
Jumlah 2.578.595 554.575 Total
PT Bank Central Asia Tbk PT Bank Central Asia Tbk
Pada 17 Oktober 2022, Bank memperoleh On October 17, 2022 The Bank obtains loan
fasilitas pinjaman sebesar Rp500.000 dengan facility with outstanding balances of Rp500,000
tingkat suku bunga sebesar 0,85% dan jatuh with interest rate at 0.85% per annum and had
tempo dalam 2 tahun. Tidak ada agunan dan been matured in 2 years. There is no collateral
persyaratan yang harus dipenuhi. Tidak ada and covenant that need to be fulfilled. No
pembayaran pokok dan pencairan baru yang principal payments and new disbursment has
dilakukan selama 2023. been made during 2023.
Sepanjang 2022, jumlah penerimaan dan During 2022, the total receipt of funds and
pembayaran fasilitas tersebut masing-masing payments are Rp500,000 and RpNil,
adalah sebesar Rp500.000 dan RpNihil. respectively.
PT Bank Negara Indonesia (Persero) Tbk PT Bank Negara Indonesia (Persero) Tbk
Pada tahun 2023, Bank memperoleh fasilitas In 2023, the Bank obtains loan facility with
pinjaman dalam mata uang Dolar Amerika outstanding balances of USD15,000,000 (full
Serikat sebesar USD15,000,000 (nilai penuh) amount) (equivalent Rp230,955) with interest
(setara Rp230.955) dengan bunga 5,82%. Tidak rate at 5.82% per annum. There is no collateral
ada agunan dan persyaratan yang harus and covenant that need to be fulfilled.
dipenuhi.
Pada tahun 2023, Bank juga memperoleh In 2023, the Bank also obtains several bankers’
beberapa fasilitas bankers’ acceptance dalam acceptance facilities with outstanding balances
mata uang Dolar Amerika Serikat sebesar of USD30,000,000 (full amount) (equivalent
USD30,000,000 (nilai penuh) (setara Rp461,910) with interest rate at 5.81% per
Rp461.910) dengan bunga 5,81%. Tidak ada annum. There is no collateral and covenant that
agunan dan persyaratan yang harus dipenuhi. need to be fulfilled.
Dengan demikian, jumlah penerimaan dan Therefore, the total receipts and payments for
pembayaran fasilitas sepanjang tahun 2023 2023 amounted to USD45,000,000 (full
masing-masing sebesar USD45,000,000 (nilai amount) (equivalent Rp692.865) and RpNil,
penuh) (setara Rp692.865) dan RpNihil. respectively.
PT Bank Rakyat Indonesia (Persero) Tbk PT Bank Rakyat Indonesia (Persero) Tbk
Pada tahun 2023, Bank memperoleh beberapa In 2023, the Bank obtains several bankers’
fasilitas bankers’ acceptance dalam mata uang acceptance facilities with outstanding balances
Dolar Amerika Serikat sebesar USD50,000,000 of USD50,000,000 (full amount) (equivalent
(nilai penuh) (setara Rp769.850) dengan bunga Rp769,850) with interest rate at 5.65%-5.79%
5,65%-5,79%. Tidak ada agunan dan per annum. There is no collateral and covenant
persyaratan yang harus dipenuhi. that need to be fulfilled.
80
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Dengan demikian, jumlah penerimaan dan Therefore, the total receipts and payments for
pembayaran fasilitas tersebut sepanjang tahun this facility for 2023 amounted to
2023 masing-masing sebesar USD50,000,000 USD50,000,000 (full amount) (equivalent
(nilai penuh) (setara Rp769.850) dan RpNihil. Rp769,850) and RpNil, respectively.
PT Bank UOB Indonesia PT Bank UOB Indonesia
Pada tahun 2023, Bank memperoleh fasilitas In 2023, the Bank obtains loan facility with
pinjaman dalam mata uang Dolar Amerika outstanding balances of USD40,000,000 (full
Serikat sebesar USD40,000,000 (nilai penuh) amount) (equivalent Rp615,880) with interest
(setara Rp615.880) dengan bunga 6,11%. Tidak rate at 6.11% per annum. There is no collateral
ada agunan dan persyaratan yang harus and covenant that need to be fulfilled.
dipenuhi.
Dengan demikian, jumlah penerimaan dan Therefore, the total receipts and payments for
pembayaran fasilitas tersebut sepanjang tahun this facility for 2023 amounted to
2023 masing-masing sebesar USD40,000,000 USD40,000,000 (full amount) (equivalent
(nilai penuh) (setara Rp615.880) dan RpNihil. Rp615,880) and RpNil, respectively.
PT Bank Mega Tbk PT Bank Mega Tbk
Pada tahun 2022, Bank memperoleh beberapa In 2022, the Bank obtains several bankers’
fasilitas bankers’ acceptance dalam mata uang acceptance facilities with outstanding balances
Dolar Amerika Serikat sebesar Rp924 dan of Rp924 and USD387.714 (full amount)
USD387,714 (nilai penuh) (setara Rp6.036) (equivalent Rp6,036) with interest rate at 8,50%
dengan bunga masing-masing sebesar 8,50% and 1,33% per annum, respectively. There is no
dan 1,30% per tahun. Tidak ada agunan dan collateral and covenant that need to be fulfilled.
persyaratan yang harus dipenuhi. Pada tahun In 2023, the Bank has fully repaid these
2023, Bank telah melakukan pelunasan atas facilities.
fasilitas ini.
Dengan demikian, pada 2023, jumlah Therefore, during 2023, the total receipts of
penerimaan fasilitas tersebut sebesar RpNihil. these facilities amounted RpNil. Total payments
Jumlah pembayaran fasilitas tersebut masing- for these facilities amounted to Rp924 and
masing sebesar Rp924 dan USD387,714 (nilai USD387.714 (full amount) (equivalent
penuh) (setara Rp6.051). Rp6,051), respectively.
Jumlah penerimaan fasilitas tersebut pada 2022 The total receipts for these facilities for 2022
masing-masing sebesar Rp924 dan amounted to Rp924 and USD387.714 (full
USD387,714 (nilai penuh) (setara dengan amount) (equivalent Rp6,036), respectively.
Rp6.036). Jumlah pembayaran fasilitas tersebut Total payments for these facilities for 2022
pada 2022 sebesar USD790,931 (nilai penuh) amounted to USD790.931 (full amount)
(setara Rp11.337). (equivalent Rp11,337).
Citibank N.A., Cabang Jakarta Citibank N.A., Jakarta Branch
Pada tahun 2022, Bank memperoleh beberapa In 2022, the Bank obtains several bankers’
fasilitas bankers’ acceptance dalam mata uang acceptance facilities in United States Dollar with
Dolar Amerika Serikat sebesar USD3,058,629 outstanding balances of USD3.058.629 (full
(nilai penuh) (setara Rp47.615) dengan bunga amount) (equivalent Rp47,615) with interest
sebesar 1,33% per tahun. Tidak ada agunan rate at 1.33% per annum. There is no collateral
dan persyaratan yang harus dipenuhi. Pada and covenant that need to be fulfilled. In 2023,
tahun 2023, Bank telah melakukan pelunasan the Bank has fully repaid these facilities.
atas fasilitas ini.
Jumlah penerimaan dan pembayaran fasilitas Therefore, the total receipts and payments for
tersebut pada 2023 masing-masing sebesar this facility for 2023 amounted to RpNil and
RpNihil dan USD3,058,629 (nilai penuh) (setara USD3,058,629 (full amount) (equivalent
Rp46.292). Rp46,292), respectively.
81
Page 685
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Jumlah penerimaan dan pembayaran fasilitas Therefore, the total receipts and payments for
tersebut pada 2022 masing-masing sebesar this facility for 2022 amounted to USD3.058.629
USD3,058,629 (nilai penuh) (setara Rp47.615) (full amount) (equivalent Rp47,615) and RpNil,
dan RpNihil. respectively.
18. Surat Berharga yang Diterbitkan 18. Securities Issued
2023 2022
Rupiah Rupiah
Obligasi Subordinasi -- 244.000 Subordinated Bonds
-- 244.000
Dolar Amerika Serikat United States Dollar
Obligasi Subordinasi -- 739.456 Subordinated Bonds
-- 983.456
Dikurangi: Less:
Beban emisi yang
belum diamortisasi -- (847) Unamortized issuance cost
-- 982.609
Obligasi Subordinasi Subordinated Bonds
31 Desember/ December 31, 2022
Suku bunga/ Peringkat/ Jatuh tempo/ Jangka waktu/
Interest rate Rating Maturity Tenor Total
Obligasi Subordinasi IDR
Bank KEB Hana I Tahun 2016/
Subordinated Bonds IDR 21 Desember/
Bank KEB Hana I Year 2016 9,95% AA (idn) December 21, 2023 84 bulan/months 244.000
Obligasi Subordinasi USD
Bank KEB Hana I Tahun 2016/
Subordinated Bonds USD 21 Desember/
Bank KEB Hana I Year 2016 6,05% AA (idn) December 21, 2023 84 bulan/months 739.456
Pada tanggal 21 Desember 2016, Bank On December 21, 2016, the Bank issued
menerbitkan Obligasi Subordinasi IDR Bank Subordinated Bonds IDR Bank KEB Hana I
KEB Hana I Tahun 2016 dengan tingkat bunga Year 2016 that bears fixed interest rate at
tetap sebesar 9,95% per tahun dengan nilai 9.95% per annum with a nominal value of
nominal sebesar Rp244.000 dan Obligasi Rp244,000 and Subordinated Bonds USD Bank
Subordinasi USD Bank KEB Hana I Tahun 2016 KEB Hana I Year 2016 that bears fixed interest
dengan tingkat bunga tetap sebesar 6,05% per rate at 6.05% per annum with a nominal value
tahun dengan nilai nominal sebesar of USD47.500.000 (full amount).
USD47,500,000 (nilai penuh).
Wali Amanat dari obligasi subordinasi ini adalah The arranger for the subordinated bonds is
PT Bank Rakyat Indonesia (Persero) Tbk. PT Bank Rakyat Indonesia (Persero) Tbk.
Per tanggal 31 Desember 2022, peringkat As of December 31, 2022, the rating of the
obligasi subordinasi IDR dan USD adalah subordinated bonds IDR and USD are AA(idn)
AA(idn) dari PT Fitch Ratings Indonesia. from PT Fitch Ratings Indonesia
Obligasi subordinasi ini tidak dijamin dengan The bonds are not guaranteed with specific
suatu agunan khusus. collateral.
82
Page 686
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, there is
obligasi subordinasi Bank yang dimiliki oleh Bank’s subordinated bond held by related party
pihak berelasi masing-masing adalah sebesar with nominal amount of RpNil and Rp622,700,
RpNil dan Rp622.700 (Catatan 29). respectively(Note 29).
Bunga obligasi subordinasi dibayarkan setiap The interest of the subordinated bonds is paid
triwulan. Pembayaran bunga obligasi on a quarterly basis. The first interest payment
subordinasi pertama dilakukan pada tanggal is paid on March 21, 2017, while the last
21 Maret 2017, sedangkan pembayaran bunga payment of subordinated bonds interest and
obligasi subordinasi terakhir sekaligus jatuh due date of the subordinated bonds has paid on
tempo telah dilakukan pada saat jatuh tempo maturity date, which due on December 21,
obligasi subordinasi pada tanggal 21 Desember 2023.
2023.
Pada tanggal 31 Desember 2023, obligasi As of December 31, 2023, the subordinated
subordinasi telah jatuh tempo dan Bank telah bonds have matured and the Bank has fully
melakukan pelunasan pokok dan bunga secara repaid the principal and interest.
penuh.
Untuk keperluan perhitungan rasio Kewajiban For the purpose of calculating the Capital
Penyediaan Modal Minimum (KPMM), obligasi Adequacy Ratio (CAR), the subordinated bonds
subordinasi di atas diperhitungkan sebagai are included as supplementary capital after the
modal pelengkap setelah Bank menerima surat Bank received approval letter from Financial
persetujuan dari Otoritas Jasa Keuangan Services Authority No. S-138/PB.31/2016 dated
No. S-138/PB.31/2016 tanggal 30 Desember December 30, 2016.
2016.
19. Utang Pajak 19. Taxes Payable
2023 2022
Pajak penghasilan badan (Catatan 28) 19.202 103.537 Corporate income tax (Note 28)
Pajak penghasilan: Income taxes:
Pasal 4(2) 12.635 9.346 Article 4(2)
Pasal 21 12.369 10.116 Article 21
Pasal 23/26 648 1.524 Article 23/26
Pajak Pertambahan Nilai 421 297 Value Added Tax
Jumlah 45.275 124.820 Total
20. Liabilitas Imbalan Pasca-Kerja 20. Post-Employment Benefits Obligation
Liabiliatas imbalan pasca-kerja terdiri atas: Post-employment benefits obligation consist of:
2023 2022
Imbalan pasca-kerja karyawan 109.941 88.142 Post-employment benefit
Remunerasi manajemen 8.525 8.017 Remuneration of management
Jumlah 118.466 96.159 Total
Bank menghitung imbalan pasca-kerja imbalan The Bank calculates post-employment benefits
pasti untuk karyawan sesuai dengan of defined benefit for its qualified employees in
Undang- Undang Nomor 11 tahun 2020 tentang accordance with Law No. 11 Year 2020
Cipta Kerja sebagaimana telah diamendemen regarding Job Creation as amended by Perpu
dengan Perpu No.2/2022 dan UU No.6/2023 No.2/2022 and Law No.6/2023 or the Bank’s
83
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
atau Perjanjian Kerja Bersama (“PKB”) atau Collective Labour Agreement (the “CLA”) or
Peraturan Perusahaan (“PP”), mana yang lebih Company Regulation (“CR”), whichever is
tinggi. Karena UUCK atau PKB atau PP higher. Since the JCL or the CLA or the CR
menentukan rumus tertentu untuk menghitung sets the formula for determining the minimum
jumlah minimal imbalan pensiun, pada amount of benefits, in substance pension plans
dasarnya, program pensiun berdasarkan UUCK under the JCL or the CLA or the CR represent
atau PKB atau PP adalah program imbalan defined benefit plans.
pasti.
Bank juga memberikan paket tunjangan jangka The Bank also grants other long-term benefit
panjang lainnya yang terdiri dari cuti panjang plan consisting of long leave pay to qualified
kepada karyawan yang memenuhi syarat. employees.
Beban imbalan kerja yang diakui di laporan laba Amounts recognized in the statement of profit or
rugi dan penghasilan komprehensif lain adalah loss and other comprehensive income in respect
sebagai berikut: of the defined benefit plan are as follows:
2023
Program Imbalan
Pasca-kerja/ Program cuti besar/
Post-employment (Long leave/other
benefit program long-term benefit) Total
Biaya jasa kini 17.925 3.058 20.983 Current service cost
Biaya bunga 5.099 502 5.601 Interest cost
Laba/(rugi) aktuaria Gains/(losses) actuarial
pada kewajiban -- (1.577) (1.577) on liabilities
Komponen dari beban Component of benefit expense
imbalan pasti yang diakui recognized in
dalam laba-rugi (Catatan 26) 23.024 1.983 25.007 profit or loss (Note 26)
Pengukuran kembali Remeasurement of the defined
kewajiban imbalan pasti benefit obligation
yang timbul dari perubahan: rising from the changes of:
Penyesuaian pengalaman (64) -- (64) Experience adjustment
Asumsi keuangan 3.487 -- 3.487 Financial assumption
Komponen dari beban
imbalan pasti yang diakui Component of benefit expense
dalam penghasilan recognized in other
komprehensif lainnya 3.423 -- 3.423 comprehensive income
2022
Program Imbalan
Pasca-kerja/ Program cuti besar/
Post-employment (Long leave/other
benefit program long-term benefit) Total
Biaya jasa kini 15.813 2.851 18.664 Current service cost
Biaya bunga 4.033 368 4.401 Interest cost
Dampak penerapan IFRIC (6.143) -- (6.143) Effect on IFRIC Implementation
Laba/(rugi) aktuaria Gains/(losses) actuarial
pada kewajiban -- (1.417) (1.417) on liabilities
Komponen dari beban Component of benefit expense
imbalan pasti yang diakui recognized in
dalam laba-rugi 13.703 1.802 15.505 profit or loss
Pengukuran kembali Remeasurement of the defined
kewajiban imbalan pasti benefit obligation
yang timbul dari perubahan: rising from the changes of:
Penyesuaian pengalaman (3.037) -- (3.037) Experience adjustment
Asumsi keuangan (1.562) -- (1.562) Financial assumption
Komponen dari beban
imbalan pasti yang diakui Component of benefit expense
dalam penghasilan recognized in other
komprehensif lainnya (4.599) -- (4.599) comprehensive income
Mutasi nilai kini liabilitas pada laporan posisi Movements in the present value of liability
keuangan adalah sebagai berikut: recognized in the statement of financial position
are as follows:
84
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023
Program Imbalan
Pasca-kerja/ Program cuti besar/
Post-employment (Long leave/other
benefit program long-term benefit) Total
Nilai kini Beginning balance present value
kewajiban awal 76.407 11.735 88.142 of obligation
Biaya jasa kini 17.925 3.058 20.983 Current service cost
Biaya bunga 5.099 502 5.601 Interest cost
Pembayaran manfaat (5.712) (919) (6.631) Benefits paid
Laba/(rugi) aktuaria Gains (losses) actuarial
pada kewajiban 3.423 (1.577) 1.846 on liabilities
Nilai kini Ending present value of
kewajiban akhir 97.142 12.799 109.941 obligation
2022
Program Imbalan
Pasca-kerja/ Program cuti besar/
Post-employment (Long leave/other
benefit program long-term benefit) Total
Nilai kini Beginning balance present value
kewajiban awal 72.727 11.847 84.574 of obligation
Biaya jasa kini 15.813 2.851 18.664 Current service cost
Biaya bunga 4.033 368 4.401 Interest cost
Dampak penerapan IFRIC (6.143) -- (6.143) Effect on IFRIC implementation
Pembayaran manfaat (5.424) (1.914) (7.338) Benefits paid
Laba/(rugi) aktuaria Gains (losses) actuarial
pada kewajiban (4.599) (1.417) (6.016) on liabilities
Nilai kini Ending present value of
kewajiban akhir 76.407 11.735 88.142 obligation
Jatuh tempo dari liabilitas imbalan pasca-kerja The maturity of the post-employment benefits
pada tanggal 31 Desember 2023 dan 2022 obligation as of December 31, 2023 and 2022
adalah sebagai berikut (tidak didiskonto) (tidak are as follows (undiscounted) (unaudited):
diaudit):
2023 2022
Dalam 1 tahun ke depan 4.543 4.340 Within the next 1 year
Dalam 1- 5 tahun 38.012 26.236 Within 1 - 5 years
Dalam 5 - 10 tahun 84.492 74.816 Within 5 - 10 years
Di atas 10 tahun 643.531 595.812 Above 10 years
Saldo akhir 770.578 701.204 Ending Balance
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 dan 2022, the
rata-rata durasi dari kewajiban imbalan average duration of the post-employment
pasca-kerja adalah 9 tahun dan 9,2 tahun benefits obligation is 9 and 9.2 years
(tidak diaudit). (unaudited), respectively.
Perhitungan liabilitas imbalan pasca-kerja Bank Post-employment benefits obligations of the
pada tanggal 31 Desember 2023 dan 2022 Bank as of December 31, 2023 and 2022 are
dihitung oleh aktuari independen Kantor calculated by an independent actuary Kantor
Konsultan Aktuaria Halim dan Rekan dalam Konsultan Aktuaria Halim dan Rekan in their
laporannya tertanggal 29 Februari 2024 dan reports dated February 29, 2024 and February
10 Februari 2023. Asumsi-asumsi utama yang 10, 2023. The key assumptions used in the
digunakan dalam perhitungan aktuaris untuk actuarial calculations for the years ended
tahun-tahun yang berakhir pada tanggal December 31, 2023 and 2022 are as follows:
31 Desember 2023 dan 2022 adalah sebagai
berikut:
85
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023 2022
Asumsi ekonomi Economic assumptions
Tingkat diskonto per tahun - Annual discount rate -
imbalan pasca kerja 6,70% 7,20% post-employment benefit
Tingkat diskonto per tahun - Annual discount rate -
cuti panjang 6,50% 6,50% long leave
Tingkat kenaikan penghasilan Annual basic
dasar per tahun 7,00% 7,00% salary growth rate
Asumsi demografi Demographic assumptions
Tingkat kematian TMI 2019 TMI 2019 Mortality rate
5% dari TMI 2019/ 5% dari TMI 2019/
Tingkat kecacatan 5% of TMI 2019 5% of TMI 2019 Disability rate
12,5% sampai dengan 12,5% sampai dengan
umur 25 tahun, kemudian umur 25 tahun, kemudian
menurun hingga 0% di menurun hingga 0% di
umur 55 tahun/12.5% until umur 55 tahun/12.5% until
age 25 years old, then age 25 years old, then
decreasing linearly into 0% decreasing linearly into 0%
Tingkat pengunduran diri at age 55 years old at age 55 years old Resignation rate
100% usia pensiun 100% usia pensiun
normal/normal normal/normal
Tingkat pensiun normal retirement age retirement age Normal retirement rate
Usia pensiun normal 55 tahun/years 55 tahun/years Normal retirement age
Tabel berikut menunjukkan sensitivitas atas The following table demonstrates the sensitivity
kemungkinan perubahan tingkat diskonto dan to a reasonably possible change in discount
kenaikan tingkat penghasilan, dengan variabel rates and salary increase rate, with all other
lain dianggap tetap, terhadap kewajiban variables held constant, of the post-employment
imbalan pasca-kerja pada tanggal 31 Desember benefits obligation as of December 31, 2023
2023 dan 2022 (tidak diaudit): and 2022 (unaudited):
2023 2022
Program imbalan Post-employment
pasca-kerja benefit program
Kenaikan tingkat diskonto 100 Increase in discount rate
basis poin (7.664) (6.159) by 100 basis points
Penurunan tingkat diskonto 100 Decrease in discount rate
basis poin 8.688 6.998 by 100 basis points
Kenaikan tingkat penghasilan 100 Increase in salary increase rate
basis poin 10.054 8.122 by 100 basis points
Penurunan tingkat penghasilan 100 Decrease in salary increase rate
basis poin (8.973) (7.224) by 100 basis points
Long leave
Program cuti panjang (Other benefit) program
Kenaikan tingkat diskonto 100 Increase in discount rate
basis poin (244) (214) by 100 basis points
Penurunan tingkat diskonto 100 Decrease in discount rate
basis poin 260 227 by 100 basis points
Kenaikan tingkat penghasilan 100 Increase in salary increase rate
basis poin 389 343 by 100 basis points
Penurunan tingkat penghasilan 100 Decrease in salary increase rate
basis poin (371) (335) by 100 basis points
86
Page 690
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
21. Liabilitas Lain-Lain 21. Other Liabilities
2023 2022
Rupiah Rupiah
Liabilitas sewa 304.953 328.524 Lease liabilities
Bunga yang masih harus dibayar 61.075 49.020 Accrued interest payables
Bonus dan tunjangan 42.053 39.203 Bonus and allowance
Setoran jaminan 9.968 11.274 Guarantee deposits
Kerjasama dengan pihak ketiga 54.580 5.715 Cooperation with third parties
Lain-lain 27.728 32.706 Others
500.357 466.442
Dolar Amerika Serikat United States Dollar
Bunga yang masih harus dibayar 60.451 49.066 Accrued interest payables
Setoran jaminan -- 2.865 Guarantee deposits
Lain-lain 25 25 Others
60.476 51.956
Jumlah 560.833 518.398 Total
Kerjasama dengan pihak ketiga terutama Cooperation with third parties mainly consists of
mencakup akrual untuk jasa profesional dan accrual for professionals fees and branch
ekspansi cabang. expansion.
Setoran jaminan merupakan setoran jaminan Guarantee deposits represent deposits for
atas transaksi letters of credit, bank garansi, letters of credit transactions, bank guarantee,
dan sewa safe deposit box. and safe deposits box rental
Lain-lain terutama mencakup cadangan iuran Others mainly consist of accruals for
premi penjaminan pemerintah atas simpanan government’s guarantee of the Bank’s deposits
Bank, pencadangan biaya pengawasan premium, regulator monitoring fees, and other
regulator, dan kewajiban kepada pihak ketiga third parties liabilities.
lainnya.
Liabilitas sewa Lease liabilities
2023 2022
Saldo awal 328.524 355.207 Beginning balance
Penambahan 29.579 (515) Addition
Pembayaran (77.132) (52.750) Payments
Beban bunga 23.982 26.582 Interest expense
Saldo akhir 304.953 328.524 Ending balance
22. Modal Saham 22. Capital Stock
Susunan pemegang saham Bank pada tanggal- The Bank’s shareholders as of December 31,
tanggal 31 Desember 2023 dan 2022 adalah 2023 and 2022 are as follows:
sebagai berikut:
87
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023
Total modal
Total Persentase ditempatkan dan
saham/ kepemilikan/ disetor penuh/
Number of Percentage Total issued and
Pemegang Saham shares of ownership fully paid capital Shareholders
KEB Hana Bank, Korea 2.180.624.663 69,010% 2.180.624 KEB Hana Bank, Korea
LINE Financial Corporation 632.018.513 20,000% 632.019 LINE Financial Corporation
International Finance Corporation 315.509.753 9,980% 315.510 International Finance Corporation
Biantoro Setijo 14.536.259 0,460% 14.537 Biantoro Setijo
Ludijanto Setijo 9.492.750 0,300% 9.493 Ludijanto Setijo
Lilana Gani 3.955.313 0,125% 3.955 Lilana Gani
Lilik Setijo 3.955.312 0,125% 3.955 Lilik Setijo
Jumlah 3.160.092.563 100,000% 3.160.093 Total
2022
Total modal
Total Persentase ditempatkan dan
saham/ kepemilikan/ disetor penuh/
Number of Percentage Total issued and
Pemegang Saham shares of ownership fully paid capital Shareholders
KEB Hana Bank, Korea 2.180.624.663 69,010% 2.180.624 KEB Hana Bank, Korea
LINE Financial LINE Financial
Plus Corporation 632.018.513 20,000% 632.019 Plus Corporation
International Finance Corporation 315.509.753 9,980% 315.510 International Finance Corporation
Biantoro Setijo 14.536.259 0,460% 14.537 Biantoro Setijo
Ludijanto Setijo 9.492.750 0,300% 9.493 Ludijanto Setijo
Lilana Gani 3.955.313 0,125% 3.955 Lilana Gani
Lilik Setijo 3.955.312 0,125% 3.955 Lilik Setijo
Jumlah 3.160.092.563 100,000% 3.160.093 Total
Berdasarkan akta notaris No. 6 tanggal 12 Juli Based on notarial deed No. 6 dated July 12,
2013 dari Refizal, S.H., M.Hum., sehubungan 2013 of Refizal, S.H., M.Hum., in connection
dengan penggabungan usaha Bank, modal with the merger of the Bank, the authorized
dasar Bank berubah menjadi Rp4.600.000 dan capital of the Bank became Rp4,600,000 and
modal ditempatkan dan disetor penuh menjadi the issued and fully paid capital became
Rp1.150.000 sejak tanggal efektif Rp1,150,000 since the effective date of the
penggabungan usaha. merger.
Berdasarkan Rapat Umum Pemegang Saham Based on the Extraordinary General Meeting of
Luar Biasa tanggal 25 Maret 2014, yang Shareholders on March 25, 2014, as stated in
dinyatakan dengan akta notaris No. 1 dari notarial deed No. 1 of Mellia, SH, M.KN, the
Mellia, S.H., M.KN, pemegang saham shareholders approved the repurchase of
menyetujui pembelian kembali 5.792.550 5,792,550 shares of PT Clemont Finance
saham milik PT Clemont Finance Indonesia Indonesia at a total cost of Rp48,500 and
dengan total harga pembelian sebesar 17,037,250 shares of Bambang Setijo at a total
Rp48.500 dan 17.037.250 saham milik cost of Rp110,500.
Bambang Setijo dengan total harga pembelian
sebesar Rp110.500.
Bank menyajikan nilai saham yang diperoleh The Bank presented the buy-back shares
kembali tersebut di atas sebesar Rp159.000 amounting to Rp159,000 as discussed above
pada akun “Saham treasuri” sebagai bagian dari as “Treasury shares” account as part of equity
ekuitas di dalam laporan posisi keuangan. in the statements of financial position.
Berdasarkan akta notaris No. 23 tanggal 18 Juni Based on notarial deed No. 23 dated June 18,
2015 dari Refizal, S.H., M.Hum., para 2015 from Refizal, S.H., M.Hum., the
pemegang saham menyetujui peningkatan shareholders approved the increase of the
modal ditempatkan dan disetor penuh dari issued and fully paid capital of Rp1,150,000
Rp1.150.000 menjadi sebesar Rp2.450.000. became Rp2,450,000.
88
Page 692
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Dikarenakan penggabungan antara Korea Due to the merger between Korea Exchange
Exchange Bank, Korea dan Hana Bank, Korea Bank, Korea and Hana Bank, Korea both of
yang keduanya merupakan Pemegang Saham which are shareholders of the Bank, there were
Bank, maka terjadi perubahan susunan changes in the composition of Shareholders of
Pemegang Saham Bank sebagaimana the Bank as stated in Deed of Resolution No.
tercantum dalam Akta Pernyataan Keputusan 1405 dated October 21, 2015 which was
Rapat No. 1405 tanggal 21 Oktober 2015 yang approved by the Ministry of Laws and Human
telah mendapatkan persetujuan dari Rights of the Republic of Indonesia No. AHU-
Kementerian Hukum dan Hak Asasi Manusia AH.01.03-094774 dated October 26, 2015.
Republik Indonesia No. AHU-AH.01.03-094774
tanggal 26 Oktober 2015.
Berdasarkan Rapat Umum Pemegang Saham Based on the Extraordinary General Meeting of
Luar Biasa tanggal 10 Mei 2017, yang Shareholders on May 10, 2017, as stated in
dinyatakan dengan akta notaris No. 5 dari notarial deed No. 5 of Mellia, S.H., M.KN, the
Mellia, S.H., M.KN, pemegang saham shareholders approved the sale of 22,829,800
menyetujui penjualan saham treasuri sebesar treasury shares at a total cost of Rp159,000 to
22.829.800 saham dengan total harga KEB Hana Bank, Korea.
penjualan sebesar Rp159.000 kepada KEB
Hana Bank, Korea.
Berdasarkan akta notaris No. 2 tanggal Based on notarial deed No. 2 dated January 7,
7 Januari 2019 dari Mellia, S.H., M.Kn., para 2019 from Mellia, S.H., M.Kn., the shareholders
pemegang saham menyetujui penerbitan approved the issuance of 710,092,563 new
710.092.563 saham baru dari modal dasar shares from the authorized capital with price of
dengan harga sebesar Rp3.046,60 per saham. Rp3,046.60 per share.
Bank telah menerima dana untuk penerbitan The Bank received fund from issuance of new
saham baru pada bulan Mei 2019 dan shares in May 2019 and the Articles of
Anggaran Dasar Bank telah diubah melalui akta Association of the Bank have been amended
notaris No. 18 tanggal 27 Mei 2019 dari through the notarial deed No. 18 dated May 27,
Mellia, S.H., M.Kn. 2019 of Mellia, S.H., M.Kn.
Berdasarkan Rapat Umum Pemegang Saham H Based on the Extraordinary General Meeting of
Luar Biasa (RUPSLB) tanggal 14 Januari 2022 Shareholders on January 14, 2022, as stated in
yang dinyatakan dengan akta notaris No. 54 notarial deed No. 54 of Hannywati Gunawan.
dari Hannywati Gunawan, S.H. tanggal S.H. on January 17, 2022, the shareholders
17 Januari 2022, pemegang saham menyetujui approved the changes of the Bank’s share
perubahan komposisi kepemilikan saham yang ownership caused by share inheritance. This
disebabkan oleh waris saham. Perubahan ini change has been accepted and recorded by the
telah diterima dan dicatat oleh Sistem Legal Entity Administration System of the
Administrasi Badan Hukum Kementerian Hukum Ministry of Law and Human Rights No.AHU-
dan Hak Asasi Manusia No.AHU-AH.01.03- AH.01.03-0036337 dated 18 January 2022.
0036337 tertanggal 18 Januari 2022. Hal ini This does not change the Bank’s capital stock
tidak menyebabkan perubahan modal saham and additional paid-in capital.
dan agio saham Bank.
89
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
23. Pendapatan Bunga 23. Interest Income
2023 2022
Rupiah Rupiah
Kredit 1.501.183 1.476.234 Loans
Efek-efek 461.211 429.992 Marketable securities
Penempatan pada Bank Placements with Bank
Indonesia dan bank lain 86.485 27.387 Indonesia and other banks
Giro pada Bank Indonesia 12.388 8.923 Current accounts with Bank Indonesia
Giro pada bank lain 27 7 Current accounts with other banks
Aset lain-lain 21 1.648 Other assets
2.061.315 1.944.191
Dolar Amerika Serikat United States Dollar
Kredit 954.434 538.517 Loans
Penempatan pada Bank Placements with Bank
Indonesia dan bank lain 21.455 19.978 Indonesia and other banks
Efek-efek 13 2.071 Marketable securities
Giro pada bank lain 5.763 1.039 Current accounts with other banks
Aset lain-lain -- 259 Other assets
981.665 561.864
Yuan China China Yuan
Giro pada bank lain 13 9 Current accounts with other banks
Dolar Singapura Singapore Dollar
Giro pada bank lain 41 29 Current accounts with other banks
Jumlah 3.043.034 2.506.093 Total
Untuk tahun-tahun yang berakhir pada tanggal For the years ended December 31, 2023 and
31 Desember 2023 dan 2022, pendapatan 2022, interest income recognized from impaired
bunga yang diakui dari aset keuangan yang financial assets amounted to Nil, respectively.
mengalami penurunan nilai masing-masing
sebesar Nihil.
24. Beban Bunga 24. Interest Expense
2023 2022
Rupiah Rupiah
Simpanan nasabah Deposits from customers
Deposito berjangka 495.850 304.986 Time deposits
Giro 72.851 73.647 Current accounts
Tabungan 22.885 26.831 Savings accounts
Surat berharga yang diterbitkan 23.979 24.665 Securities issued
Liabilitas sewa 23.982 26.584 Lease liabilities
Pinjaman yang diterima 36.889 6.628 Borrowings
Simpanan dari bank lain 29.889 5.862 Deposits from other banks
Efek yang dijual dengan Securities sold under
janji dibeli kembali 1.999 -- repurchase agreement
708.324 469.203
Dolar Amerika Serikat United States Dollar
Simpanan nasabah Deposits from customers
Deposito berjangka 186.276 54.222 Time deposits
Giro 18.789 4.712 Current accounts
Tabungan 12 548 Savings accounts
Simpanan dari bank lain 264.381 82.593 Deposits from other banks
Surat berharga yang diterbitkan 42.995 43.126 Securities issued
Pinjaman yang diterima 42.372 1.305 Borrowings
554.825 186.506
Jumlah 1.263.149 655.709 Total
90
Page 694
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
25. Beban Kerugian Penurunan Nilai Aset 25. Provision for Impairment Losses on Financial
Keuangan dan Non-Keuangan and Non-Financial Assets
2023 2022
Aset keuangan Financial assets
Kredit 47.308 285.001 Loans
Giro pada bank lain (440) 363 Current accounts with other banks
Tagihan akseptasi (68) 252 Acceptances receivable
Penempatan pada Placements with other banks
Bank Indonesia dan bank lain (159) 202 and Bank Indonesia
Pembiayaan UPAS -- 15 UPAS financing
Efek-efek 1.967 (1.001) Marketable securities
Komitmen dan kontinjensi 5.416 (163) Commitment and contingencies
Tagihan lainnya -- (702) Other receivables
54.024 283.967
Aset non-keuangan Non-financial asset
Agunan yang diambil alih -- 16.978 Foreclosed assets
Properti terbengkalai -- 1.487 Abandoned property
-- 18.465
Jumlah 54.024 302.432 Total
26. Beban Tenaga Kerja 26. Personnel Expenses
2023 2022
Gaji 319.998 281.148 Salaries
Bonus dan tunjangan 136.339 109.176 Bonus and benefits
Imbalan pasca-kerja (Catatan 20) 25.007 15.505 Post-employment benefits (Note 20)
Lain-lain 22.577 39.575 Others
Jumlah 503.921 445.404 Total
27. Beban Umum dan Administrasi 27. General and Administrative Expenses
2023 2022
Penyusutan (Catatan 13) 241.350 243.946 Depreciation (Note 13)
Perbaikan dan pemeliharaan 149.642 52.388 Repairs and maintenance
Iklan dan promosi 147.461 132.563 Advertisement and promotion
Honorarium tenaga ahli 103.214 101.668 Professional fees
Barang cetak dan keperluan kantor 58.337 56.179 Printing and office supplies
Komunikasi 34.536 36.266 Communication
Biaya pengawasan regulator 21.700 21.995 Regulator monitoring fees
Sewa 12.727 9.687 Rental
Asuransi 1.590 1.609 Insurance
Lain-lain 15.996 18.071 Others
Jumlah 786.553 674.372 Total
28. Pajak Penghasilan 28. Income Tax
2023 2022
Pajak kini Current tax
Tahun ini 144.321 225.513 Current year
Tahun lalu 154 13.035 Prior year
Pajak tangguhan 18.877 (97.665) Deferred tax
Jumlah 163.352 140.883 Total
91
Page 695
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Perhitungan pajak penghasilan dan utang pajak Income tax and current income tax payable are
kini adalah sebagai berikut: computed as follows:
2023 2022
Laba sebelum beban pajak Income before tax expense
menurut laporan laba rugi dan per statement of profit or loss
penghasilan komprehensif lain 616.561 598.477 and other comprehensive income
Perbedaan waktu Timing differences
Penyisihan kerugian Provision for
penurunan nilai atas aset impairment losses on
keuangan (39.351) 320.281 financial assets
Imbalan pasca-kerja 18.900 11.833 Post-employment benefits
Penyusutan aset tetap 257 81.132 Depreciation of fixed assets
Aset hak guna 77.244 -- Right of use assets
Liabilitas sewa (59.788) -- Lease liability
Provisi lainnya 48.299 30.688 Other provision
45.561 443.934
Perbedaan tetap Permanent differences
Kenikmatan karyawan -- 133 Employee welfare
Penghasilan dari investasi Income from mutual fund
reksadana yang tidak investment exempted
dikenakan pajak (4.551) (8.552) from tax
Lain-lain (1.569) (8.934) Others
(6.119) (17.353)
Laba kena pajak 656.003 1.025.058 Taxable income
Beban pajak penghasilan 144.321 225.513 Income tax expense
Dikurangi: Pajak penghasilan Less: Prepayments of
dibayar di muka Pasal 25 (125.119) (121.976) income taxes Article 25
Jumlah utang pajak 19.202 103.537 Total tax payable
Laba kena pajak hasil rekonsiliasi digunakan Taxable income from the reconciliation is used
untuk menyiapkan Surat Pemberitahuan Pajak as basis for preparing annual corporate income
(SPT) untuk tahun yang berakhir pada tanggal tax (SPT) return for the year ended
31 Desember 2023. December 31, 2023.
Pajak tangguhan Deferred tax
Rincian aset dan liabilitas pajak tangguhan- The details of the Bank’s net deferred tax
neto Bank adalah sebagai berikut: assets and liabilities are as follows:
2023
Dikreditkan
(dibebankan) ke
laba rugi Dibebankan
Penyesuaian tahun berjalan/ ke ekuitas
pajak tangguhan/ Credited tahun berjalan/
Saldo awal/ Adjustment (charged) to Credited Saldo akhir/
Beginning on deferred profit or loss to equity Ending
balance tax for the year for the year balance
Cadangan kerugian penurunan Allowance for impairment
nilai aset keuangan 127.370 -- (8.657) -- 118.713 losses on financial assets
Kewajiban imbalan Post-employment
pasca-kerja 21.156 -- 4.158 753 26.067 benefits obligation
Penyusutan aset tetap (3.133) -- 56 -- (3.077) Depreciation of fixed assets
Keuntungan yang Unrealized gain from
belum direalisasi atas efek - efek marketable securities
yang diukur pada nilai wajar measured at fair value
melalui penghasilan through other
komprehensif lain 2.947 -- -- (381) 2.566 comprehensive income
Provisi lainnya 7.006 -- 10.626 -- 17.632 Other provision
Aset Hak Guna (51.912) (25.989) 16.994 -- (60.907) Right of Use Assets
Liabilitas Sewa 83.154 (2.912) (13.153) -- 67.089 Lease Liability
Aset Pajak Tangguhan 186.588 (28.901) 10.024 372 168.083 Deferred Tax Assets
92
Page 696
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2022
Dikreditkan Dikreditkan
(dibebankan) ke (dibebankan) ke
Dampak laba rugi ekuitas
perubahan tahun berjalan/ tahun berjalan/
tarif pajak/ Credited Credited
Saldo awal/ Effect of (charged) to (charged) to Saldo akhir/
Beginning changes in profit or loss equity Ending
balance tax rate for the year for the year balance
Cadangan kerugian penurunan Allowance for impairment
nilai aset keuangan 56.908 -- 70.462 -- 127.370 losses on financial assets
Kewajiban imbalan Post-employment
pasca-kerja 19.565 -- 2.603 (1.012) 21.156 benefits obligation
Penyusutan aset tetap 10.260 -- 17.849 -- 28.109 Depreciation of fixed assets
Keuntungan yang Unrealized gain from
belum direalisasi atas efek - efek marketable securities
yang diukur pada nilai wajar measured at fair value
melalui penghasilan through other
komprehensif lain (24.944) -- -- 27.891 2.947 comprehensive income
Provisi lainnya 255 -- 6.751 -- 7.006 Other provision
Aset pajak tangguhan 62.044 -- 97.665 26.879 186.588 Deferred tax assets
Rekonsiliasi antara beban pajak dan hasil Reconciliation between the total tax expense
perkalian laba akuntansi sebelum pajak dengan and the amounts computed by the effective tax
tarif pajak yang berlaku adalah sebagai berikut: rates to income before tax are as follows:
2023 2022
Laba sebelum beban pajak Income before tax expense
menurut laporan laba rugi 616.561 598.477 per statement of profit or loss
Beban pajak berdasarkan
tarif pajak yang berlaku 135.643 131.665 Tax expense at applicable tax rates
Pengaruh pajak atas perbedaan
yang tidak dapat diperhitungkan Tax effect of non deductible
menurut fiskal (1.346) (3.817) expenses
Koreksi pajak penghasilan Correction on prior year
tahun lalu 29.055 13.035 tax income
Jumlah beban pajak 163.352 140.883 Total tax expense
Administrasi Administration
Berdasarkan Undang-undang Perpajakan yang Under the prevailing Taxation Laws of
berlaku di Indonesia, Bank melaporkan dan Indonesia, the Bank submits and pays taxes on
menyetorkan pajak berdasarkan prinsip self- the basis of self- assessment. The Directorate
assessment. Direktorat Jenderal Pajak dapat General of Tax may assess or amend taxes
menetapkan dan mengubah liabilitas pajak within five years from the date the tax becomes
dalam batas waktu lima tahun sejak tanggal due
terutangnya pajak.
Perubahan tarif pajak Change of tax rates
Pada tanggal 19 Juni 2020, pemerintah On June 19, 2020, the government issued Law
menerbitkan Undang-Undang Republik of the Republic of Indonesia No.2 year 2020
Indonesia No.2 Tahun 2020 tentang Kebijakan concerning Policy on State Finances and
Keuangan Negara dan Stabilitas Sistem Financial System Stability for Handling the
Keuangan untuk Penanganan Pandemi Covid- Covid-19 Pandemic which stipulates change in
19 yang menetapkan, antara lain, perubahan the corporate income tax rate from 25% to 22%
tarif pajak penghasilan badan dari semula 25% for the 2020-2021 fiscal year.
menjadi 22% untuk tahun pajak 2020-2021.
93
Page 697
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pada tanggal 29 Oktober 2021, pemerintah On October 29, 2021, the government issued
menerbitkan Undang-undang Republik Law of the Republic of Indonesia No. 7 year
Indonesia No.7 tahun 2021 tentang 2021 concerning Harmonization of Tax
Harmonisasi Peraturan Perpajakan yang Regulations which stipulates, among other
menetapkan, antara lain, tarif pajak penghasilan things, the income tax rate for domestic
wajib pajak badan dalam negeri dan bentuk corporate taxpayers and permanent
usaha tetap sebesar 22% mulai tahun pajak establishments is 22% from the fiscal year 2022
2022 dan seterusnya. Sesuai dengan peraturan onwards. In accordance with the regulation, the
tersebut, Bank telah menghitung pajak Bank has calculated the corporate income tax
penghasilan badan untuk tahun yang berakhir for the year ended December 31, 2023 using a
pada tanggal 31 Desember 2023 menggunakan tax rate of 22%.
tarif pajak 22%.
Aset dan liabilitas pajak tangguhan pada Deferred tax assets and liabilities as at
tanggal 31 Desember 2023 juga telah dihitung December 31, 2023 have also been calculated
dengan menggunakan tarif pajak yang using the new tax rates which are expected to
diekspektasikan akan berlaku di periode ketika be applicable in the period in which the deferred
aset pajak tangguhan akan direalisasi atau tax assets will be realized or deferred tax
liabilitas pajak tangguhan akan diselesaikan. liabilities will be settled.
Pemeriksaan pajak Tax assessment
Pada tanggal 31 Oktober dan 1 November On 31 October and 1 November 2013, the
2023, Kantor Pelayanan Pajak Madya Jakarta Medium Taxpayers Office South Jakarta I
Selatan I menerbitkan beberapa Surat issued various assessment letters of Tax
Ketetapan Pajak Kurang Bayar (”SKPKB”) dan Underpayment Letter (“SKPKB”) and Tax
Surat Tagihan Pajak (STP) sehubungan dengan Collection Letter (“STP”) relating to tax audit of
pemeriksaan pajak tahun fiskal 2008 masing- fiscal years 2018 amounting to Rp 1,631 and
masing sebesar Rp 1.631 dan Rp. 94. Rp 94, respectively.
Pada tanggal 27 November 2023, Bank telah The Bank fully paid those SKPKB and STP
melunasi SKPKB dan STP tersebut dan underpayments on 27 November 2023 and
mengakuinya sebagai beban pajak di dalam recorded it as tax expense in profit and loss.
laba rugi.
29. Saldo dan Transaksi dengan Pihak-Pihak 29. Balances and Transactions with Related
Berelasi Parties
a. Sifat berelasi a. Nature of relationship
Tabel di bawah ini menunjukkan rincian pihak- The table below details the related parties of
pihak berelasi dengan Bank beserta sifat dari the Bank along with the nature of relationship of
saldo dan transaksi yang dilakukan oleh Bank: balances and transactions with the Bank:
Pihak berelasi/ Sifat dari hubungan/ Sifat dari transaksi/
Related parties Nature of relationship Nature of transaction
KEB Hana Bank, Korea Entitas induk/Parent company Simpanan dari bank lain/Deposits from other banks
Surat berharga yang diterbitkan/Securities issued
KEB Hana Bank, Deutschland Memiliki pemegang saham akhir yang sama/ Giro pada bank lain/Current account with
Having the same ultimate shareholder other banks
PT Sinarmas Hana Finance Memiliki pemegang saham akhir yang sama/ Investasi dalam saham/Investment in
Having the same ultimate shareholder shares , Kredit/Loans , Simpanan
nasabah/Deposits from customers
PT Hamko Propertindo Ananta Memiliki pemegang saham akhir yang sama/ Kredit/Loans , Simpanan nasabah/Deposits from customers,
Having the same ultimate shareholder Aset lain-lain/Other assets, Utang sewa/Lease liabilities, Beban
umum dan administrasi/General and administrative expense,
Beban bunga/Interest expense
PT Next Transformtech Memiliki pemegang saham akhir yang sama/ Simpanan nasabah/Deposits from customers,
Indonesia Having the same ultimate shareholder Pendapatan non-operasional/Non-operating income
Direksi, Dewan Komisaris, dan Manajemen dan karyawan kunci/Key Kredit/Loans , Simpanan nasabah/Deposits from customers
Pejabat Eksekutif/Board of management and employees
Directors, Board of Commissioners,
and Executive Officers
94
Page 698
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
b. Saldo dan transaksi dengan pihak-pihak b. Balances and transactions with related
berelasi parties
Saldo dan transaksi dengan pihak yang berelasi Balances and transactions with related parties
dan persentasenya terhadap total aset dan and the percentages to total assets and
liabilitas Bank adalah sebagai berikut: liabilities of the Bank are as follows:
2023 2022
Giro pada Current accounts
bank lain (Catatan 6) with other banks (Note 6)
KEB Hana Bank, Deutschland 8.745 3.556 KEB Hana Bank, Deutschland
Persentase terhadap total aset 0,02% 0,01% Percentage to total assets
Kredit (Catatan 10) Loans (Note 10)
PT Hamko Propertindo Ananta 433.118 437.914 PT Hamko Propertindo Ananta
PT Sinarmas Hana Finance 455.160 459.137 PT Sinarmas Hana Finance
Manajemen kunci 7.256 8.894 Key management
Total 895.534 905.945 Total
Persentase terhadap total aset 1,91% 1,94% Percentage to total assets
Investasi dalam saham Investment in shares
(Catatan 12) (Note 12)
PT Sinarmas Hana Finance 106.519 106.664 PT Sinarmas Hana Finance
Persentase terhadap total aset 0,23% 0,23% Percentage to total assets
Aset lain-lain (Catatan 14) Other assets (Note 14)
PT Hamko Propertindo Ananta 79.800 79.800 PT Hamko Propertindo Ananta
Persentase terhadap total aset 0,17% 0,17% Percentage to total assets
Simpanan nasabah Deposits from customers
(Catatan 15) (Note 15)
Deposito berjangka 280.652 15.402 Time deposits
Tabungan 9.974 8.408 Saving accounts
Giro 69.475 105.300 Current deposits
Total 360.101 129.110 Total
Persentase terhadap total liabilitas 1,00% 0,36% Percentage to total liabilities
Simpanan dari bank lain Deposits from other banks
(Catatan 16) (Note 16)
KEB Hana Bank, Korea 4.716.678 5.337.512 KEB Hana Bank, Korea
Persentase terhadap total liabilitas 13,17% 14,79% Percentage to total liabilities
Surat berharga yang diterbitkan Securities issued
(Catatan 18) (Note 18)
KEB Hana Bank, Korea -- 622.700 KEB Hana Bank, Korea
Persentase terhadap total liabilitas 0,00% 1,73% Percentage to total liabilities
Liabilitas lain-lain (Catatan 21) Other liabilities (Note 21)
PT Hamko Propertindo Ananta 152.766 178.542 PT Hamko Propertindo Ananta
Persentase terhadap total liabilitas 0,43% 0,50% Percentage to total liabilities
Pendapatan non operasional Non-operating income
PT Next Transformtech Indonesia 1.188 1.311 PT Next Transformtech Indonesia
95
Page 699
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
c. Transaksi dengan manajemen kunci c. Transactions with key management personnel
2023 2022
Aset Assets
Kredit 7.256 8.894 Loans
Persentase terhadap total aset 0,02% 0,01% Percentage to total assets
Liabilitas Liabilities
Simpanan dari nasabah 35.235 13.027 Deposits from customers
Persentase terhadap total liabilitas 0,10% 0,04% Percentage to total liabilities
d. Kompensasi manajemen kunci d. Compensation of key management personnel
2023 2022
Imbalan kerja jangka pendek 109.941 88.142 Short-term employee benefits
Imbalan pasca-kerja 6.631 5.192 Post-employment benefits
Total 116.572 93.334 Total
Persentase terhadap total Percentage to total personnel
beban tenaga kerja 23,13% 20,95% expenses
Dewan Komisaris, Direksi, Kepala Divisi, dan The Bank considers the members of the Boards
Kepala Cabang merupakan personil of Commissioners and Directors, Division
manajemen kunci Bank. Heads, and Branch Heads as its key
management personnels.
30. Komitmen dan Kontinjensi 30. Commitments and Contingencies
Bank memiliki tagihan dan liabilitas komitmen The Bank has commitments and contingencies
dan kontinjensi sebagai berikut: receivables and payables as follows:
2023 2022
KOMITMEN COMMITMENTS
Liabilitas komitmen Commitment liabilities
Pihak berelasi Related parties
Rupiah Rupiah
Fasilitas kredit kepada nasabah Unused loan facilities
yang belum digunakan 44.869 20.872 granted to customers
Pihak ketiga Third parties
Rupiah Rupiah
Fasilitas kredit kepada nasabah Unused loan facilities
yang belum digunakan 3.463.784 3.998.651 granted to customers
Fasilitas kredit kepada bank Unused loan facilities
yang belum digunakan 4.000 89.000 granted to bank
L/C yang tidak dapat dibatalkan Outstanding irrevocable
dan masih berjalan 79.591 98.185 letters of credit
Dolar Amerika Serikat United States Dollar
Fasilitas kredit kepada nasabah Unused loan facilities
yang belum digunakan 4.186.224 1.901.172 granted to customers
L/C yang tidak dapat dibatalkan Outstanding irrevocable
dan masih berjalan 346.571 441.137 letters of credit
96
Page 700
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023 2022
Yen Jepang Japanese Yen
L/C yang tidak dapat dibatalkan Outstanding irrevocable
dan masih berjalan -- 795 letters of credit
8.080.170 6.528.940
Jumlah liabilitas komitmen (8.125.039) (6.549.812) Total commitment liabilities
KONTINJENSI CONTINGENCIES
Tagihan kontinjensi Contingent receivable
Pihak ketiga Third parties
Dolar Amerika Serikat United States Dollar
Garansi dari bank lain 501.299 506.851 Guarantees from other banks
Liabilitas kontinjensi Contingent liabilities
Pihak ketiga Third parties
Rupiah Rupiah
Bank garansi yang diterbitkan 592.718 684.703 Bank guarantees issued
Dolar Amerika Serikat United States Dollar
Bank garansi yang diterbitkan 217.528 158.536 Bank guarantees issued
Jumlah 810.246 843.239 Total
Liabilitas kontinjensi - neto (308.947) (336.388) Contingent liabilities - net
Liabilitas komitmen Commitments and contingent
dan kontinjensi - neto (8.433.986) (6.886.200) liabilities - net
Mutasi cadangan kerugian penurunan nilai Movements of allowance for impairment losses
komitmen dan kontinjensi: on commitments and contingencies:
2023
Stage 1 Stage 2 Stage 3 Total
Saldo awal 4.497 -- -- 4.497 Beginning balance
Aset keuangan baru 7.530 -- -- 7.530 New financial assets
Aset keuangan dihentikan Financial assets derecognized
pengakuannya atau dilunasi or repaid
(kecuali hapus buku) (2.114) -- -- (2.114) (exclude write-off)
Pengukuran kembali -- -- -- -- Remeasurement
Penghapusbukuan -- -- -- -- Written off
Total perubahan tahun berjalan 5.416 -- -- 5.416 Changes for the year
Dampak valuta asing 47 -- -- 47 Foreign exchange
Saldo akhir 9.960 -- -- 9.960 Ending balance
2022
Stage 1 Stage 2 Stage 3 Total
Saldo awal 4.552 -- -- 4.552 Beginning balance
Aset keuangan baru 2.568 -- -- 2.568 New financial assets
Aset keuangan dihentikan Financial assets derecognized
pengakuannya atau dilunasi or repaid
(kecuali hapus buku) (2.731) -- -- (2.731) (exclude write-off)
Pengukuran kembali -- -- -- -- Remeasurement
Penghapusbukuan -- -- -- -- Written off
Total perubahan tahun berjalan (163) -- -- (163) Changes for the year
Dampak valuta asing 108 -- -- 108 Foreign exchange
Saldo akhir 4.497 -- -- 4.497 Ending balance
Manajemen berpendapat bahwa jumlah Management believes that the amount of
cadangan kerugian penurunan nilai yang allowance for impairment losses is adequate to
dibentuk cukup untuk menutup kemungkinan cover losses on commitments and
kerugian atas komitmen dan kontinjensi pada contingencies as of December 31, 2023 and
tanggal 31 Desember 2023 dan 2022. 2022.
97
Page 701
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31. Aset dan Liabilitas Moneter dalam Mata 31. Monetary Assets and Liabilities Denominated
Uang Asing in Foreign Currencies
Posisi aset (sebelum dikurangi dengan Assets position (before deducting the allowance
cadangan kerugian penurunan nilai) dan for impairment losses) and liabilities
liabilitas moneter dalam mata uang asing denominated in foreign currencies are as
adalah sebagai berikut: follows:
2023 2022
Mata uang asing Ekuivalen Rupiah Mata uang asing Ekuivalen Rupiah
(nilai penuh)/ (dalam jutaan)/ (nilai penuh)/ (dalam jutaan)/
Foreign currency Rupiah equivalent Foreign currency Rupiah equivalent
(full amount) (in millions) (full amount) (in millions)
ASET ASSETS
Kas Cash
Dolar Amerika Serikat 2.363.572 36.392 2.291.650 35.675 United States Dollar
Won Korea 456.580.000 5.424 488.670.000 6.035 Korean Won
41.816 41.710
Current accounts
Giro pada Bank Indonesia with Bank Indonesia
Dolar Amerika Serikat 40.983.960 631.030 40.233.960 626.342 United States Dollar
Giro pada bank lain Current accounts with other banks
Dolar Amerika Serikat 7.257.100 111.738 36.339.745 565.719 United States Dollar
Euro Eropa 863.641 14.715 214.444 3.556 European Euro
Dolar Singapura 301.260 3.518 1.205.322 13.973 Singapore Dollar
Dolar Australia 88.778 934 246.456 2.603 Australian Dollar
Yen Jepang 28.707.559 3.126 31.542.212 3.716 Japanese Yen
Yuan China 458.765 995 233.894 523 China Yuan
Dolar Hong Kong 623.484 1.229 510.652 1.020 Hong Kong Dollar
Pound Sterling Inggris 51.918 1.019 82.358 1.547 Great Britain Pound Sterling
137.274 592.657
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain and other banks
Dolar Amerika Serikat 82.000.000 1.262.554 44.299.984 689.640 United States Dollar
Efek-efek Marketable securities
Dolar Amerika Serikat 5.588.938 86.053 20.483.470 318.876 United States Dollar
Tagihan derivatif Derivatives receivable
Dolar Amerika Serikat 2.067.030 31.826 198.238 3.086 United States Dollar
Euro Eropa 4.999 85 -- -- European Euro
Kredit Loans
Dolar Amerika Serikat 954.336.383 14.693.917 893.186.755 13.904.685 United States Dollar
Tagihan akseptasi Acceptances receivable
Dolar Amerika Serikat 83.004.741 1.278.024 84.988.998 1.323.066 United States Dollar
Yen Jepang 3.946.500 430 3.750.000 442 Japan Yen
Aset lain-lain Other assets
Dolar Amerika Serikat 3.742.689 57.626 6.771.800 105.421 United States Dollar
Jumlah aset 18.220.635 17.605.925 Total assets
LIABILITAS LIABILITIES
Liabilitas segera Liabilities due immediately
Dolar Amerika Serikat 7.920.237 121.948 5.495.867 85.557 United States Dollar
Euro Eropa 1.905 32 510 8 European Euro
Pound Sterling Inggris 51.907 1.019 82.332 1.547 Great Britain Pound Sterling
Dolar Hong Kong 623.484 1.229 510.652 1.020 Hong Kong Dollar
Yuan China 458.765 995 233.894 523 China Yuan
Dolar Singapura 162.938 1.903 185.254 2.148 Singapore Dollar
Yen Jepang 18.578.528 2.023 14.441.921 1.701 Japan Yen
Won Korea 456.580.000 5.424 488.670.000 6.035 Korean Won
Dolar Australia 88.328 929 127.851 1.350 Australian Dollar
135.502 99.889
Giro Demand deposits
Dolar Amerika Serikat 233.541.386 3.595.837 291.447.289 4.537.106 United States Dollar
Euro Eropa 2.636.173 44.916 2.293.523 38.031 European Euro
Dolar Singapura 138.321 1.615 1.020.068 11.826 Singapore Dollar
Dolar Australia 450 5 118.605 1.252 Australian Dollar
Yen Jepang 10.123.924 1.102 17.095.663 2.014 Japan Yen
Pound Sterling Inggris 11 -- 26 -- Great Britain Pound Sterling
3.643.475 4.590.229
98
Page 702
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023 2022
Mata uang asing Ekuivalen Rupiah Mata uang asing Ekuivalen Rupiah
(nilai penuh)/ (dalam jutaan)/ (nilai penuh)/ (dalam jutaan)/
Foreign currency Rupiah equivalent Foreign currency Rupiah equivalent
(full amount) (in millions) (full amount) (in millions)
Tabungan Savings accounts
Dolar Amerika Serikat 46.573 717 57.631 897 United States Dollar
Deposito berjangka Time deposits
Dolar Amerika Serikat 342.187.627 5.268.662 334.741.529 5.211.089 United States Dollar
Simpanan dari bank lain Deposits from other banks
Dolar Amerika Serikat 305.894.315 4.709.855 341.960.531 5.323.470 United States Dollar
Liabilitas derivatif Derivatives payable
Dolar Amerika Serikat 1.664.432 25.627 131.914 2.053 United States Dollar
Euro Eropa -- -- 3.098 51 European Euro
Pinjaman yang diterima Borrowings
Dolar Amerika Serikat 135.000.000 2.078.595 3.225.118 53.651 United States Dollar
Liabilitas akseptasi Acceptances payable
Dolar Amerika Serikat 83.004.780 1.278.025 84.988.998 1.323.066 United States Dollar
Yen Jepang 3.946.500 430 3.750.000 442 Japanese Yen
Surat berharga yang diterbitkan Securities issued
Dolar Amerika Serikat -- -- 47.500.000 739.456 United States Dollar
Liabilitas lain-lain Other liabilities
Dolar Amerika Serikat 3.927.857 60.476 3.337.392 51.956 United States Dollar
Jumlah liabilitas 17.201.364 17.396.199 Total liabilities
32. Jaminan Pemerintah terhadap Liabilitas 32. Government’s Guarantee of Banks’
Pembayaran Bank Umum Obligations
Pada 13 Januari 2009, Pemerintah menetapkan On January 13, 2009, the Government declared
Undang-Undang Republik Indonesia No. 7 the Law of the Republic of Indonesia No. 7 year
Tahun 2009 tentang Lembaga Penjaminan 2009 regarding Indonesia Deposit Insurance.
Simpanan.
Sebelumnya, berdasarkan Peraturan Previously, in accordance with Government
Pemerintah Republik Indonesia No. 66 tahun Regulation No. 66 tahun 2008 dated October
2008 tanggal 13 Oktober 2008, besaran nilai 13, 2008, the Indonesia Deposit Insurance
simpanan yang dijamin Lembaga Penjamin Corporation’s guarantee onbank deposits of
Simpanan untuk setiap nasabah pada satu bank each customers in one bank which was
yang semula maksimal Rp100 diubah menjadi previously set at a maximum of Rp100, was
maksimal Rp2.000. changed to a maximum of Rp2,000.
Berdasarkan Salinan Peraturan Lembaga Based on Indonesia Deposit Insurance
Penjamin Simpanan No. 2/PLPS/2010 pada Corporation Regulation No. 2/PLPS/2010 dated
tanggal 25 November 2010 tentang Program November 25, 2010 regarding Deposit
Penjaminan Simpanan, Lembaga Penjamin Guarantee Program, the Indonesia Deposit
Simpanan menjamin simpanan yang meliputi Insurance Corporation will guarantee deposits
giro, deposito berjangka, sertifikat deposito, including current accounts, time deposits,
tabungan, dan atau bentuk lain yang certificate of deposits, savings deposit, and
dipersamakan dengan itu yang merupakan other forms of deposits, in form of deposit from
simpanan yang berasal dari masyarakat public including deposits from other banks.
mencakup pula yang berasal dari bank lain.
Suku bunga simpanan LPS pada tanggal Q The interest rate of LPS as of December 31,
31 Desember 2023 dan 2022 masing-masing 2023 and 2022 is 4.25% and 3.75%,
adalah sebesar 4,25% dan 3,75% untuk respectively, for deposits denominated in
simpanan dalam mata uang Rupiah dan Rupiah, and 2.25% and 1.75%, respectively, for
masing-masing sebesar 2,25% dan 1,75% deposits denominated in foreign currencies.
untuk simpanan dalam mata uang asing.
99
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
33. Nilai Wajar atas Aset dan Liabilitas Keuangan 33. Fair Value of Financial Assets and Liabilities
Tabel di bawah ini menunjukkan nilai tercatat The following table summarizes the carrying
dan nilai wajar dari aset dan liabilitas keuangan amounts and fair values of financial assets and
berdasarkan kategori pada tanggal liabilities according to their categories as of
31 Desember 2023 dan 2022: December 31, 2023 and 2022:
31 Desember/December 31, 2023
Aset pada nilai
wajar melalui
penghasilan
Aset pada nilai komprehensi
wajar melalui lain/Fair Biaya
laba rugi/ value through perolehan Total
Fair value other diamortisasi/ nilai tercatat/
through comprehensive Amortized Carrying Nilai wajar/
profit or loss income costs amount Fair value
Aset keuangan/Financial assets
Kas/Cash -- -- 172.058 172.058 172.058
Giro pada Bank Indonesia/
Current accounts with Bank Indonesia -- -- 1.601.540 1.601.540 1.601.540
Giro pada bank lain/
Current accounts with other banks -- -- 395.080 395.080 395.080
Penempatan pada Bank Indonesia
dan bank lain/Placement with
Bank Indonesia and other banks -- -- 2.138.987 2.138.987 2.138.987
Efek-efek/Marketable securities 277.492 3.597.108 2.314.493 6.189.093 6.211.139
Tagihan derivatif/Derivative receivables 31.911 -- -- 31.911 31.911
Kredit yang diberikan/Loans -- -- 33.339.377 33.339.377 33.339.377
Tagihan akseptasi/Acceptance receivables -- -- 1.303.804 1.303.804 1.303.804
Aset lain-lain/Other assets *) -- -- 299.684 299.684 299.684
Jumlah 309.403 3.597.108 41.565.023 45.471.534 45.493.580
*) Termasuk di dalam aset lain-lain merupakan bunga yang masih akan diterima, setoran jaminan, tagihan transaksi ATM, dan tagihan lainnya/
Included in other assets are accrued interest receivable, guarantee deposits, receivables related to ATM transaction, and other receivables
31 Desember/December 31, 2023
Liabilitas pada Liabilitas
biaya perolehan pada nilai Total
diamortisasi/ wajar/ nilai tercatat/
Liabilities at Liabilities Carrying Nilai wajar/
amortized costs at fair value amount Fair value
Liabilitas keuangan/Financial liabilities
Liabilitas segera/Liabilities due immediately 182.424 -- 182.424 182.424
Simpanan nasabah/Deposits from customers 26.229.093 -- 26.229.093 26.229.093
Simpanan dari bank lain/Deposits from other banks 4.746.969 -- 4.746.969 4.746.969
Liabilitas derivatif/Derivative payable -- 26.248 26.248 26.248
Liabilitas akseptasi/Acceptance payable 1.305.493 -- 1.305.493 1.305.493
Pinjaman yang diterima/Borrowings 2.578.595 -- 2.578.595 2.578.595
Surat berharga yang diterbitkan/
Marketable securities issued -- -- -- --
Liabilitas lain-lain/Other liabilities *) 444.550 -- 444.550 444.550
Jumlah 35.487.124 26.248 35.513.372 35.513.372
*) Termasuk di dalam liabilitas lain-lain merupakan bunga masih harus dibayar, liabilitas sewa, setoran jaminan, dan kewajiban kepada pihak ketiga lainnya/
Included in other liabilities are accrued interest payables, lease liabilities, guarantee deposits, and other third parties liabilities
100
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/December 31, 2022
Aset pada nilai
wajar melalui
penghasilan
Aset pada nilai komprehensi
wajar melalui lain/Fair Biaya
laba rugi/ value through perolehan Total
Fair value other diamortisasi/ nilai tercatat/
through comprehensive Amortized Carrying Nilai wajar/
profit or loss income costs amount Fair value
Aser keuangan/Financial assets
Kas/Cash -- -- 183.737 183.737 183.737
Giro pada Bank Indonesia/
Current accounts with Bank Indonesia -- -- 1.692.309 1.692.309 1.692.309
Giro pada bank lain/
Current accounts with other banks -- -- 770.505 770.505 770.505
Penempatan pada Bank Indonesia
dan bank lain/Placement with
Bank Indonesia and other banks -- -- 3.158.744 3.158.744 3.158.744
Efek-efek/Marketable securities 126.509 3.657.200 2.310.569 6.094.278 6.132.439
Tagihan derivatif/Derivative receivables 3.086 -- 3.086 3.086
Kredit yang diberikan/Loans -- -- 31.634.696 31.634.696 31.634.696
Tagihan akseptasi/Acceptance receivables -- -- 1.358.890 1.358.890 1.358.890
Aset lain-lain/Other assets *) -- -- 350.930 350.930 350.930
Jumlah 129.595 3.657.200 41.460.380 45.247.175 45.285.336
*) Termasuk di dalam aset lain-lain merupakan bunga yang masih akan diterima, setoran jaminan, tagihan transaksi ATM, pembiayaan UPAS, dan tagihan lainnya/
Included in other assets are accrued interest receivable, guarantee deposits, receivables related to ATM transaction, UPAS financing, and other receivables
31 Desember/December 31, 2022
Liabilitas pada Liabilitas
biaya perolehan pada nilai Total
diamortisasi/ wajar/ nilai tercatat/
Liabilities at Liabilities Carrying Nilai wajar/
amortized costs at fair value amount Fair value
Liabilitas keuangan/Financial liabilities
Liabilitas segera/Liabilities due immediately 124.414 -- 124.414 124.414
Simpanan nasabah/Deposits from customers 26.892.543 -- 26.892.543 26.892.543
Simpanan dari bank lain/Deposits from other banks 5.411.146 -- 5.411.146 5.411.146
Liabilitas derivatif/Derivative payable -- 2.105 2.105 2.105
Liabilitas akseptasi/Acceptance payable 1.360.569 -- 1.360.569 1.360.569
Pinjaman yang diterima/Borrowings 554.575 -- 554.575 554.575
Surat berharga yang diterbitkan/
Marketable securities issued 982.609 -- 982.609 993.825
Liabilitas lain-lain/Other liabilities *) 445.422 -- 445.422 445.422
Jumlah 35.771.278 2.105 35.773.383 35.784.599
*) Termasuk di dalam liabilitas lain-lain merupakan bunga masih harus dibayar, liabilitas sewa, setoran jaminan, dan kewajiban kepada pihak ketiga lainnya/
Included in other liabilities are accrued interest payables, lease liabilities, guarantee deposits, and other third parties liabilities
Nilai wajar efek-efek dimiliki biaya perolehan The fair values of amotized cost marketable
diamortisasi ditentukan berdasarkan harga securities issued were determined on the basis
kuotasi pasar yang berlaku pada tanggal of quoted market price as of December 31,
31 Desember 2023 dan 2022. 2023 and 2022.
Nilai wajar dari kredit, pinjaman yang diterima, The fair value of loans, borrowings, and
dan surat berharga yang diterbitkan dihitung securities issued is calculated using discounted
menggunakan arus kas yang didiskonto cash flows using market rate.
berdasarkan suku bunga pasar.
Bank menggunakan hierarki berikut untuk The Bank adopts the following hierarchy for
menentukan dan mengungkapkan nilai wajar determining and disclosing the fair value of
dari instrumen keuangan: financial instruments:
a. Tingkat 1: dikutip dari kuotasi harga a. Level 1: derived from quoted prices
(unadjusted) di pasar aktif untuk aset atau (unadjusted) in active markets for
liabilitas keuangan yang identik; identical financial assets or liabilities;
101
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
b. Tingkat 2: yang melibatkan input selain dari b. Level 2: those involving inputs other than
kuotasi harga pasar yang termasuk dalam quoted prices included within Level 1 that
tingkat 1 yang dapat diobservasi untuk aset are observable for the asset or liability,
dan liabilitas, baik secara langsung (seperti either directly (i.e. as prices) or indirectly
harga) maupun tidak langsung (diperoleh (i.e. derived from prices);
dari harga);
c. Tingkat 3: diperoleh dari teknik valuasi c. Level 3: derived from valuation techniques
yang di dalamnya terdapat input untuk aset that include with inputs for the asset or
dan liabilitas yang tidak berdasarkan pada liability that are not based on observable
data yang dapat di observasi di pasar market data (unobservable inputs).
(input yang tidak dapat diobservasi).
Tabel berikut menunjukkan suatu analisis The following table shows an analysis of
instrumen keuangan yang diukur pada nilai financial instruments measured at fair value and
wajar dan yang nilai wajarnya diungkapkan for which fair values are disclosed by level of
berdasarkan tingkatan hierarki pada tanggal hierarchy as of December 31, 2023 and 2022.
31 Desember 2023 dan 2022.
2023
Pengukuran nilai wajar pada tanggal
pelaporan menggunakan/
Fair value measurement as at reporting date using
Nilai tercatat/ Tingkat/ Tingkat/ Tingkat/
Carrying value Level 1 Level 2 Level 3
Aset keuangan Financial assets
Nilai wajar melalui laba rugi Fair value through profit or loss
Tagihan derivatif 31.911 -- 31.911 -- Derivative receivables
Efek-efek 277.492 277.492 -- -- Marketable securities
Nilai wajar melalui Fair value through
penghasilan komprehensif lain other comprehensive income
Efek-efek 3.597.107 3.597.107 -- -- Marketable securities
Biaya perolehan diamortisasi Amortized cost
Kas 172.058 172.058 -- -- Cash
Giro pada Bank Indonesia 1.601.540 1.601.540 -- -- Current account with Bank Indonesia
Giro pada bank lain 395.080 395.080 -- -- Current account with other bank
Penempatan pada Bank Indonesia Placement with Bank Indonesia
dan bank lain 2.138.987 2.138.987 -- -- and other bank
Efek-efek 2.314.493 2.314.493 -- -- Marketable securities
Kredit 33.339.377 -- -- 33.339.377 Loans
Aset lain-lain *) 299.684 299.684 -- -- Other assets *)
Liabilitas keuangan Financial liabilities
Nilai wajar melalui laba rugi Fair value through profit or loss
Liabilitas derivatif 26.248 -- 26.248 -- Derivative payables
Biaya perolehan diamortisasi Amortized cost
Liabilitas segera 182.424 182.424 -- -- Liabilities due immediately
Simpanan nasabah 26.229.093 26.229.093 -- -- Deposits from customer
Simpanan dari bank lain 4.746.969 4.746.969 -- -- Deposits from other banks
Liabilitas akseptasi 1.305.493 1.305.493 -- -- Acceptance payables
Pinjaman yang diterima 2.578.595 2.578.595 -- -- Borrowings
Liabilitas lain-lain **) 444.550 444.550 -- -- Other liabilities
*) Termasuk di dalam aset lain-lain merupakan bunga yang masih akan diterima, setoran jaminan, tagihan transaksi ATM, dan tagihan lainnya/
Included in other assets are accrued interest receivables, guarantee deposits, receivables related to ATM transaction, and other receivables
**) Termasuk di dalam liabilitas lain-lain merupakan bunga yang masih harus dibayar, liabilitas sewa, setoran jaminan, dan kewajiban kepada pihak ketiga lainnya/
Included in other liabilities are accrued interest payables, lease liabilities, guarantee deposits, and other third parties liabilities
102
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2022
Pengukuran nilai wajar pada tanggal
pelaporan menggunakan/
Fair value measurement as at reporting date using
Nilai tercatat/ Tingkat/ Tingkat/ Tingkat/
Carrying value Level 1 Level 2 Level 3
Aset keuangan Financial assets
Nilai wajar melalui laba rugi Fair value through profit or loss
Tagihan derivatif 3.086 -- 3.086 -- Derivative receivables
Efek-efek 126.509 126.509 -- -- Marketable securities
Nilai wajar melalui Fair value through
penghasilan komprehensif lain other comprehensive income
Efek-efek 3.657.200 3.657.200 -- -- Marketable securities
Biaya perolehan diamortisasi Amortized cost
Kas 183.737 183.737 -- -- Cash
Giro pada Bank Indonesia 1.692.309 1.692.309 -- -- Current account with Bank Indonesia
Giro pada bank lain 770.505 770.505 -- -- Current account with other bank
Penempatan pada Bank Indonesia Placement with Bank Indonesia
dan bank lain 3.158.744 3.158.744 -- -- and other bank
Efek-efek 2.310.569 2.310.569 -- -- Marketable securities
Kredit 31.634.696 -- -- 31.634.696 Loans
Aset lain-lain *) 350.930 350.930 -- -- Other assets *)
Liabilitas keuangan Financial liabilities
Nilai wajar melalui laba rugi Fair value through profit or loss
Liabilitas derivatif 2.105 -- 2.105 -- Derivative payables
Biaya perolehan diamortisasi Amortized cost
Liabilitas segera 124.414 124.414 -- -- Liabilities due immediately
Simpanan nasabah 26.892.543 26.892.543 -- -- Deposits from customer
Simpanan dari bank lain 5.411.146 5.411.146 -- -- Deposits from other banks
Liabilitas akseptasi 1.360.569 1.360.569 -- -- Acceptance payables
Pinjaman yang diterima 554.575 554.575 -- -- Borrowings
Surat berharga yang diterbitkan 982.609 993.825 -- -- Marketable securities issued
Liabilitas lain-lain **) 445.422 445.422 -- -- Other liabilities
*) Termasuk di dalam aset lain-lain merupakan bunga yang masih akan diterima, setoran jaminan, tagihan transaksi ATM, pembiayaan UPAS, dan tagihan lainnya/
Included in other assets are accrued interest receivables, guarantee deposits, receivables related to ATM transaction, UPAS financing, and other receivables
**) Termasuk di dalam liabilitas lain-lain merupakan bunga yang masih harus dibayar, liabilitas sewa, setoran jaminan, dan kewajiban kepada pihak ketiga lainnya/
Included in other liabilities are accrued interest payables, lease liabilities, guarantee deposits, and other third parties liabilities
Selama tahun yang berakhir pada tanggal 31 During the years ended December 31, 2023
Desember 2023 dan 2022, tidak ada transfer and 2022, there were no transfer between level
antara level 1 dan level 2 pengukuran nilai wajar 1 and level 2 fair value measurements and no
dan tidak ada transfer ke dan keluar dari level 3 transfer into and out of level 3 fair value
pengukuran nilai wajar. hierarchy.
34. Pengelolaan Permodalan 34. Capital Management
Posisi rasio Kewajiban Penyediaan Modal The Bank’s Capital Adequacy Ratio (CAR) as of
Minimum (KPMM) Bank pada tanggal 31 December 31, 2023 and 2022, are as follows:
Desember 2023 dan 2022 adalah sebagai
berikut:
2023 2022
Modal inti (Tier 1) Core capital (CET 1)
- Modal inti utama (CET 1) 10.491.003 9.944.686 Primarycore capital (CET 1) -
- Modal inti tambahan (AT - 1) -- -- Supplementary - core capital (AT -1) -
Total Modal Inti 10.491.003 9.944.686 Total Core Capital
Modal pelengkap (Tier 2) 362.785 357.776 Supplementary capital (Tier 2)
Total modal 10.853.788 10.302.462 Total capital
Aset tertimbang menurut risiko: Risk weighted asset:
Untuk risiko kredit 36.341.717 34.881.140 For credit risk
Untuk risiko operasional 1.854.798 3.855.250 For operational risk
Untuk risiko pasar 86.114 53.771 For market risk
38.282.629 38.790.161
103
Page 707
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023 2022
Rasio CAR CAR Ratio
Rasio CET 1 27,40% 25,64% CET 1 Ratio
Rasio Tier 1 27,40% 25,64% Tier 1 Ratio
Rasio Tier 2 0,95% 0,92% Tier 2 Ratio
Rasio total 28,35% 26,56% Total ratio
CAR minimum berdasarkan Minimum CAR based
profil risiko 9,00% - 10,00% 9,00% - 10,00% on risk profile
35. Aktivitas Fiduciary 35. Fiduciary Activities
Bank menyediakan jasa kustodian, agen The Bank provides custodial, securities agency,
sekuritas, trustee, pengelolaan investasi trustee, investment management discretionary,
discretionary, dan reksadana kepada pihak and mutual fund services to third parties.
ketiga. Aset yang terdapat dalam aktivitas Assets that are held in fiduciary activities are
fiduciary tidak termasuk dalam laporan not included in these financial statements. Total
keuangan ini. Jumlah komisi yang diterima dari fees received from these services for the years
pemberian jasa ini untuk tahun-tahun yang ended December 31, 2023 and 2022 was
berakhir pada tanggal 31 Desember 2023 dan Rp11,770 and Rp8,946, respectively.
2022 adalah Rp11.770 dan Rp8.946.
36. Informasi Tambahan 36. Additional Information
a. Rasio aset produktif yang diklasifikasikan a. The ratio of earning assets classified as non-
sebagai aset bermasalah terhadap total performing to total earning assets as of
aset produktif pada tanggal 31 Desember December 31, 2023 and 2022 are 0.65%
2023 dan 2022 masing-masing adalah and 0.69%, respectively.
sebesar 0,65% dan 0,69%.
b. Rasio kredit terhadap jumlah simpanan b. The ratio of loans to total deposits as of
pada tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022 are 128.27%
masing-masing adalah sebesar 128,27% and 120.66%, respectively.
dan 120,66%.
c. Rasio jumlah cadangan kerugian penurunan c. The ratio of the allowance for impairment
nilai aset produktif yang dibentuk oleh Bank losses on earning assets provided by the
pada tanggal 31 Desember 2023 dan 2022, Bank on December 31, 2023 and 2022,
terhadap jumlah minimum cadangan compared to the minimum allowance for
kerugian penurunan nilai aset produktif impairment losses of productive assets in
sesuai dengan ketentuan Bank Indonesia accordance with Bank Indonesia regulation
masing-masing sebesar 206,24% dan are 206.24% and 198.15%, respectively.
198,15%.
d. Rasio kredit usaha mikro dan kecil terhadap d. The ratio of micro and small business loans
jumlah kredit yang diberikan Bank pada to total loans of the Bank as of
tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022 are 2.06%
adalah sebesar 2,06% dan 0,69%. and 0.69%, respectively.
37. Manajemen Risiko 37. Risk Management
Manajemen Bank menyadari sepenuhnya The Bank’s Management is fully aware that risk
bahwa risiko adalah bagian dari sifat bisnis is an intrinsic aspect of the banking business.
bank. Oleh karena itu, dalam setiap Therefore, for all decisions made and in all
pengambilan keputusan maupun proses banking activity process, the Bank always
aktivitas perbankan, Bank senantiasa berpijak maintains its position on risk-based policies.
pada kebijakan yang berbasis risiko.
104
Page 708
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Seluruh kebijakan risiko Bank mengikuti dan All risk policies maintained by the Bank are
patuh pada Peraturan Otoritas Jasa Keuangan consistent and comply with Otoritas Jasa
(POJK) sebagai ketentuan baku agar dapat Keuangan (OJK) Regulations (POJK), as a
menjalankan aktivitas bisnis yang optimal, standard provision in order to carry out optimal
namun tetap memegang prinsip kehati-hatian business, while maintaining the prudential
bank. Kebijakan risiko ditetapkan sesuai risk principles of tha bank. Risk policies are
appetite Bank dengan mempertimbangkan established based on the Bank’s risk appetite
terhadap kompleksitas, kekuatan, kemampuan, after considering the Bank’s complexity,
dan kapasitas permodalan yang dimiliki Bank. strength, capability, and capacity of capital.
Profil Risiko Risk Profile
Mengacu pada POJK No. 18/POJK.03/2016 Referring to POJK No. 18/POJK.03/2016 and
dan SE OJK No.34/SEOJK.03/2016 tentang SE OJK No. 34/SEOJK.03/2016 regarding the
Penerapan Manajemen Risiko Bagi Bank Risk Management for Commercial Banks, Bank
Umum, Bank menyampaikan laporan profil submits on a quarterly basis a risk profile report
risiko ke Otoritas Jasa Keuangan per triwulan to Otoritas Jasa Keuangan, which contains
yang memuat tentang eksposur risiko kredit, exposure to credit risk, market risk, liquidity risk,
risiko pasar, risiko likuiditas, risiko operasional, operational risk, legal risk, strategic risk,
risiko hukum, risiko strategis, risiko kepatuhan compliance risk, and reputational risk. In
dan risiko reputasi. Di samping itu, berdasarkan addition, based on POJK No. 04/POJK.03/2016
POJK No. 04/POJK.03/2016 tentang Penilaian regarding Bank’s soundness level, the Bank
Tingkat Kesehatan Bank Umum, Bank submits a report covering 4 aspects, namely the
menyampaikan laporan yang meliputi 4 aspek, assessment on risk profile indicator covered the
yaitu penilaian terhadap indikator profil risiko assessment on the inherent risk and quality of
meliputi penilaian terhadap risiko inheren dan risk management implementation in the
kualitas penerapan manajemen risiko dalam operational activities of the Bank, Bank’s
aktivitas operasional Bank, penilaian tata kelola corporate governance assessment, Bank’s
perusahaan Bank, penilaian rentabilitas Bank, profitability assessment, and Bank’s capital
dan penilaian permodalan Bank. assessment.
Berdasarkan self assessment yang dilakukan Based on the Bank’s self assessment, the
oleh Bank, peringkat komposit profil risiko Bank Bank’s composite risk profile rating at the end
posisi akhir tahun 2023 berada pada peringkat of 2023 is low to moderate, which is reflected in
low to moderate, yang tercermin dari tingkat the low to moderate inherent risk level and
risiko inheren low to moderate dan tingkat satisfactory level of quality of risk management
kualitas penerapan manajemen risiko dengan implementation. Inherent risks include business
peringkat satisfactory. Adapun risiko bawaan strategy, business characteristics, complexity of
meliputi strategi bisnis, karakteristik bisnis, products and activities of the Bank, the industry
kompleksitas produk dan aktivitas Bank, industri in which the Bank conducts business, as well
dimana Bank melakukan kegiatan usaha, serta as macroeconomic conditions. While quality of
kondisi makro ekonomi. Sedangkan kualitas risk management implementation covers risk
penerapan manajemen risiko meliputi tata governance, risk management framework, risk
kelola risiko, kerangka manajemen risiko, management process, the adequacy of human
proses manajemen risiko, kecukupan sumber resources and management information
daya manusia, dan kecukupan sistem informasi systems, as well as the adequacy of the risk
manajemen, serta kecukupan sistem management system. The Bank continues to
pengendalian risiko. Bank senantiasa improve on risk management practice.
melakukan perbaikan pada kualitas penerapan
manajemen risiko.
Risiko Kredit Credit Risk
Risiko kredit merupakan risiko akibat kegagalan Credit risk is a risk due to the failure of the
debitur dan/atau pihak lain dalam memenuhi debtor and/or other party in fulfilling the
kewajiban kepada Bank. Risiko ini dapat timbul obligation to the Bank. This risk may arise from
dari aktivitas pemberian kredit, penempatan lending activities, placement on marketable
pada efek-efek dan kepada bank lain serta securities and to other banks and trading
aktivitas perdagangan. Risiko kredit juga dapat activities. Credit risk can also be derived from
105
Page 709
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
berasal dari transaksi komitmen dan kontinjensi commitments and contingent transactions to
kepada nasabah, counterparty risk, kegagalan customers, counterparty risk, settlement risk
settlement dan country risk. Upaya pengelolaan and country risk. Efforts to manage credit risk in
risiko kredit dalam hal ini termasuk penetapan this case include the establishment of credit
limit pemberian kredit berdasarkan profil risiko limits based on the risk profile of the debtor,
debitur, segmentasi pasar, serta kelayakan market segmentation, and the feasibility of the
industri tersebut. Pelaksanaan evaluasi risiko ini industry. The implementation of this risk
berpedoman pada peraturan tertulis Bank yang evaluation is guided by the Bank's written rules
memfasilitasi proses mitigasi risiko. that facilitate the risk mitigation process.
Penerapan manajemen risiko kredit tidak hanya Credit risk management implementation is not
ditujukan untuk menempatkan Bank sebagai only intended to position the Bank as a bank
bank yang patuh terhadap regulasi, tetapi that complies with regulations, but also a
merupakan suatu tuntutan manajemen untuk management requirement to implement a
menerapkan sistem pengelolaan risiko kredit proper credit risk management system in
yang baik dan sesuai dengan praktik di accordance with sound banking practices.
perbankan. Penerapan manajemen risiko yang Credit risk management is implemented not
dilakukan tidak hanya bertujuan untuk only to prevent credit quality deterioration but
mencegah terjadinya penurunan kualitas kredit, also to support the Bank’s business activity.
tetapi juga diharapkan mampu mendorong
kegiatan bisnis Bank.
Bank memiliki satuan kerja manajemen risiko The Bank has a risk management division that
yang bertanggung jawab mengelola risiko kredit is responsible for managing credit risk through
melalui kebijakan kredit, kebijakan manajemen credit policy, risk management policy, and
risiko, dan penetapan batas-batas yang determining the limits required for credit risk
diperlukan dalam rangka pengelolaan risiko management. The division also performs
kredit. Satuan kerja ini juga melakukan regular monitoring of the loan portfolio. Analysis
pemantauan secara berkala terhadap portofolio of the loan portfolio is performed to monitor
kredit Bank. Analisis terhadap portofolio kredit credit growth based on segmentation and the
dilakukan untuk memonitor pertumbuhan kredit risk profile of non-performing loan debtors.
berdasarkan segmentasi serta profil risiko
debitur yang memiliki kredit bermasalah.
Selain itu, Bank juga menerapkan kebijakan In addition, the Bank also applies credit
persetujuan kredit yang meliputi jumlah kredit approval policies that include the maximum
yang dapat diberikan, wewenang untuk loan that can be granted, the authority to
menentukan batas kredit, tanggung jawab dari approve credit line, the responsibilities of credit
petugas kredit, proses persetujuan kredit, akad officers, the credit approval process, loan
kredit, dan persetujuan untuk penyaluran kredit. agreements, and approval for extending of
Dalam mekanismenya, persetujuan kredit di credit. In its mechanism, the Bank’s credit
Bank harus melewati beberapa tahap, yaitu approval must go through several stages, such
proposal kredit, penilaian kredit, termasuk as credit proposal, credit evaluation, including
penilaian agunan (jika diperlukan), dan valuation of collaterals (if required), and credit
persetujuan kredit yang melibatkan Komite approval involving the Credit Committee with
Kredit dengan mempertimbangkan masukan consideration to input from the Credit Reviewer
dari satuan kerja Credit Reviewer. unit.
Bank memiliki unit kerja Loan Review bersama Bank has Loan Review work unit together with
dengan Unit Bisnis dan Credit Reviewer yang Business Units and Credit Reviewer to conduct
melakukan pemantauan kredit pasca pencairan post-disbursement monitoring of credit and the
dan Bank juga memiliki Komite Loan Review Bank also has a Loan Review Committee
yang bertugas untuk memastikan terlaksananya tasked with ensuring the implementation of Call
call report untuk memantau portofolio kredit dan Reports to monitor loan portfolios and evaluate
evaluasi debitur dengan kategori watch list debtors under the category watch list accounts
account untuk meminimalkan potensi risiko to minimize potential bank credit risk in the
kredit bank dikemudian hari. Komite Loan future. Loan Review Committee recommends
106
Page 710
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Review merekomendasikan action plan untuk an action plan to be implemented by business
dilaksanakan oleh unit bisnis terhadap pinjaman units for loans that are indicated to be
yang terindikasi bermasalah. problematic.
Dukungan terhadap penerapan manajemen Support for the implementation of risk
risiko juga diberikan oleh para pemegang management has also been given by the
saham Bank dalam bentuk alih pengetahuan Bank’s shareholders in the form of knowledge
agar Bank dapat meningkatkan kemampuannya transfer, so that the Bank can strengthen its
dalam pengkajian risiko kredit, terutama untuk capability in credit risk assessment, especially
memastikan kualitas kredit yang baik. to determine the quality of such credit. The
Keberadaan satuan kerja Credit Reviewer existence of the Credit Reviewer unit is critical
dalam hal ini menjadi sangat vital mengingat in this regard considering the potential risk that
potensi risiko yang timbul dari bisnis jasa yang may arise from the business services that the
dijalankan Bank. Bank mengaplikasikan Bank provides. The Bank applies a market
pendekatan target pasar berdasarkan industri target approach based on specific industries.
secara spesifik. Plafon kredit debitur ditentukan Credit ceilings are determined based on the
berdasarkan profil nasabah atau sektor industri borrower’s profile and economic sector in order
untuk mengelola permodalan Bank. to manage the Bank’s capital.
i. Analisis eksposur maksimum risiko kredit i. An analysis of the maximum exposure to
mempertimbangkan dampak keuangan credit risk considering the financial effect of
agunan dan peningkatan kredit lainnya collateral and other credit enhancement
Nilai tercatat aset keuangan Bank, kecuali The carrying value of the Bank’s financial
kredit, merupakan eksposur maksimum risiko assets, except for loans, represents the
kredit. maximum exposure to credit risk.
Kredit dijamin dengan agunan (misalnya aset Loans are secured by collateral (e.g. fixed
tetap, piutang, kendaraan, persediaan, assets, receivables, vehicles, inventories,
mesin, dan lain-lain). Bank menggunakan machineries, et cetera). The Bank uses the
nilai wajar agunan sebagai dasar arus kas fair value of collateral as a basis of future
masa depan untuk tujuan penurunan jika cash flows for impairment purposes if loans
kredit bersifat collateral dependent dan are collateral dependent and foreclosure of
penyitaan agunan kemungkinan besar terjadi collateral is most likely to occur based on the
berdasarkan perjanjian. agreement.
Oleh karena itu, nilai tercatat kredit pada Hence, the carrying value of loans as of
tanggal 31 Desember 2023 dan 2022 tidak December 31, 2023 and 2022 does not
mewakili eksposur maksimum risiko kredit. represent maximum exposure to credit risk.
Untuk memenuhi kebutuhan finansial To meet the financial needs of customers, the
nasabah, Bank melaksanakan komitmen Bank enters into various irrevocable
yang tidak dapat dibatalkan dan berbagai commitments and contingent liabilities. Even
liabilitas kontinjensi. Walaupun liabilitas ini though these obligations may not be
tidak dapat diakui dalam laporan posisi recognized on the statement of financial
keuangan, hal ini memiliki risiko kredit yang position, it contains credit risk and are
merupakan bagian dari keseluruhan risiko therefore part of the overall risk of the Bank.
Bank. Salah satu alternatif Bank dalam One of the alternatives for the Bank to
melakukan mitigasi risiko kredit dengan cara mitigate credit risk is to transfer a part of its
mengalihkan sebagian kewajibannya kepada obligations to the insurance company and
perusahaan asuransi maupun meminta require adequate collateral upon default.
agunan yang memadai apabila terjadi
default.
Jumlah dan tipe agunan yang dipersyaratkan The amount and type of collateral required
bergantung pada penilaian dari risiko kredit depends on the assessment of the credit risk
pihak lawan. Pedoman diimplementasikan of the counterparties. Guidelines are
107
Page 711
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
mengenai penerimaan tipe agunan dan implemented regarding the acceptability of
parameter penilaian. Tipe utama agunan types of collateral and valuation parameters.
yang diperoleh adalah sebagai berikut: The main types of collateral obtained are as
follows:
• Manajemen memantau nilai pasar dari • • Management monitors the market value of
jaminan, permintaan tambahan agunan collateral, requests additional collateral in
yang sesuai dengan perjanjian yang accordance with the underlying agreement
mendasari dan memantau nilai pasar dari and monitors the market value of collateral
agunan yang diperoleh selama obtained during its review of the adequacy
pemantauan kecukupan cadangan of the allowance for impairment losses.
kerugian penurunan nilai.
• Adalah kebijakan Bank untuk menjual • It is the Bank’s policy to dispose of
properti yang diambil alih dengan cara foreclosed properties in a systematic
yang sistematis. Dana yang diperoleh manner. The proceeds are used to reduce
digunakan untuk mengurangi atau or repay the outstanding claim. In general,
membayar kembali klaim jumlah the Bank does not occupy repossessed
terhutang. Secara umum, Bank tidak properties for business use.
menggunakan properti yang diambil alih
untuk tujuan bisnis.
ii. Analisis risiko konsentrasi kredit ii. Concentration of credit risk analysis
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the
pengungkapan risiko kredit maksimum disclosure on the maximum credit risk by:
memperhitungkan agunan yang dimiliki
adalah sebagai berikut:
Konsentrasi risiko kredit berdasarkan jenis Concentration of credit risk by type of loan
kredit
2023 2022
Modal kerja 21.443.034 62,47% 20.710.780 63,43% Working capital
Investasi 11.362.379 33,10% 10.725.828 32,85% Investment
Konsumsi 1.518.638 4,43% 1.213.501 3,72% Consumption
34.324.051 100% 32.650.109 100%
Cadangan kerugian Allowance for impairment
penurunan nilai (984.674) (1.015.413) losses
Nilai tercatat 33.339.377 31.634.696 Carrying value
Konsentrasi risiko kredit berdasarkan sektor Concentration of credit risk by economic sector
ekonomi kredit of loans
2023 2022
Manufaktur 12.286.127 35,80% 12.817.029 39,26% Manufacturing
Jasa bisnis 9.184.487 26,76% 8.632.826 26,44% Business services
Perdagangan 4.962.208 14,46% 4.354.471 13,34% Trading
Transportasi 1.400.702 4,08% 1.403.008 4,30% Transportation
Konstruksi 1.095.680 3,19% 1.147.693 3,52% Construction
Jasa pelayanan sosial 366.499 1,07% 507.505 1,55% Public services
Pertambangan 1.099.234 3,20% 861.632 2,64% Mining
Pertanian 883.702 2,57% 671.850 2,06% Agriculture
Lain-lain 3.045.412 8,87% 2.254.095 6,89% Others
34.324.051 100% 32.650.109 100%
Cadangan kerugian Allowance for impairment
penurunan nilai (984.674) (1.015.413) losses
Nilai tercatat 33.339.377 31.634.696 Carrying value
108
Page 712
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Konsentrasi risiko kredit aset keuangan dan Concentration of financial assets and
komitmen dan kontinjensi berdasarkan jenis commitment and contingencies credit risk by
debitur type of debtors
2023
Giro pada
BI dan Penempatan
bank lain/ pada BI dan
Current bank lain/ Tagihan Tagihan Komitmen dan
accounts Placements Efek-efek/ derivatif/ akseptasi/ kontinjensi/ Aset lain-lain/
with BI and with BI and Marketable Derivatives Acceptances Commitments Other
other banks other banks Securities receivable Kredit/Loans receivable and contingencies assets Total %
Bank Indonesia 1.601.540 2.062.438 -- -- -- -- -- -- 3.663.978 6,63%
Pemerintah/Government -- -- 4.246.940 -- -- -- -- -- 4.246.940 7,69%
Bank-bank/Banks 395.592 76.653 -- 4.276 680.063 -- 4.000 -- 1.160.584 2,10%
Entitas Sektor Publik/
Public Sector Entities -- -- -- -- 1.614.771 -- 247.620 -- 1.862.391 3,37%
Korporasi/Corporate -- -- 1.952.545 27.635 25.864.103 1.305.493 8.284.162 309.162 37.743.100 68,32%
Ritel/Retail -- -- -- -- 6.165.114 -- 399.503 -- 6.564.617 11,88%
1.997.132 2.139.091 6.199.485 31.911 34.324.051 1.305.493 8.935.285 309.162 55.241.610 100%
Cadangan kerugian
penurunan nilai/
Allowance for
impairment losses (1.018.597)
Nilai tercatat/Carrying value 54.223.013
2022
Giro pada
BI dan Penempatan
bank lain/ pada BI dan
Current bank lain/ Tagihan Tagihan Komitmen dan
accounts Placements Efek-efek/ derivatif/ akseptasi/ kontinjensi/ Aset lain-lain/
with BI and with BI and Marketable Derivatives Acceptances Commitments Other
other banks other banks Securities receivable Kredit/Loans receivable and contingencies assets Total %
Bank Indonesia 1.692.309 2.936.404 -- -- -- -- -- -- 4.628.713 8,65%
Pemerintah/Government -- -- 4.351.073 -- -- -- -- -- 4.351.073 8,13%
Bank-bank/Banks 771.457 222.615 -- 3.086 202.501 -- 89.000 -- 1.288.659 2,41%
Entitas Sektor Publik/
Public Sector Entities -- -- -- -- 1.102.760 -- 169.622 -- 1.272.382 2,38%
Korporasi/Corporate -- -- 1.751.631 -- 25.664.368 1.360.569 6.802.408 360.776 35.939.752 67,19%
Ritel/Retail -- -- -- -- 5.680.480 -- 332.023 -- 6.012.503 11,24%
2.463.766 3.159.019 6.102.704 3.086 32.650.109 1.360.569 7.393.053 360.776 53.493.082 100%
Cadangan kerugian
penurunan nilai/
Allowance for
impairment losses (1.041.088)
Nilai tercatat/Carrying value 52.451.994
(i) Evaluasi penurunan nilai secara individual (i) Individually assessed provisions
Bank menentukan cadangan kerugian The Bank determines theallowances for
penurunan nilai secara individual untuk impairment losses for each individually
masing-masing kredit yang signifikan. Hal-hal significant loans on an individual basis. Items
yang dipertimbangkan dalam menentukan considered when determining allowance for
jumlah cadangan kerugian penurunan nilai impairment losses include the sustainability of
antara lain mencakup keberlanjutan rencana the debtors’ business plan, its ability to
bisnis debitur, kemampuan debitur untuk improve performance once a financial
memperbaiki kinerja saat menghadapi difficulty has arisen, projected receipts and
kesulitan keuangan, proyeksi penerimaan the expected payout should bankruptcy
dan ekspektasi pengeluaran saat terjadi ensue, the availability of other financial
kepailitan, ketersediaan dukungan keuangan support, the realizable value of collaterals,
lainnya, nilai agunan yang dapat and the timing of expected cash flows.
direalisasikan, dan ekspektasi waktu Allowance for impairment losses are
diperolehnya arus kas. Cadangan kerugian evaluated at each reporting date, unless
penurunan nilai dievaluasi setiap tanggal foreseen circumstances require more careful
pelaporan, kecuali terdapat beberapa kondisi attention.
yang mengharuskan adanya perhatian lebih.
(ii) Evaluasi penurunan nilai secara kolektif (ii) Collectively assessed provisions
Evaluasi cadangan kerugian penurunan nilai Allowance for impairment losses are
secara kolektif dilakukan atas kredit yang assessed collectively for losses on loans that
tidak signifikan secara individual. Metodologi are not individually significant. The
evaluasi penyisihan secara kolektif telah methodology of collectively assessed
diungkapkan pada Catatan 2f. allowance has been disclosed in Note 2f.
109
Page 713
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Informasi mengenai aset keuangan yang Information about impaired and not impaired
mengalami penurunan nilai dan tidak financial assets:
mengalami penurunan nilai:
(i) Giro pada Bank Indonesia dan bank lain (i) Current accounts with Bank Indonesia and
other banks
Per 31 Desember 2023 dan 2022, aset As of December 31, 2023 and 2022, these
keuangan ini tidak mengalami penurunan financial assets are not impaired individually
nilai secara individual maupun kolektif. as well as collectively:
(ii) Penempatan pada Bank Indonesia dan bank (ii) Placements with Bank Indonesia and other
lain banks
Per 31 Desember 2023 dan 2022, aset As of December 31, 2023 and 2022, these
keuangan ini tidak mengalami penurunan financial assets are not impaired individually
nilai secara individual maupun kolektif. as well as collectively.
(iii) Efek-efek (iii) Marketable Securities
Per 31 Desember 2023 dan 2022, aset As of December 31, 2023 and 2022, these
keuangan ini tidak mengalami penurunan financial assets are not impaired individually
nilai secara individual maupun kolektif. as well as collectively.
(iv) Tagihan derivatif (iv) Derivatives receivable
Per 31 Desember 2023 dan 2022, aset As of December 31, 2023 and 2022, these
keuangan ini tidak mengalami penurunan financial assets are not impaired individually
nilai secara individual maupun kolektif. as well as collectively.
(v) Tagihan akseptasi (v) Acceptances receivable
Per 31 Desember 2023 dan 2022, aset As of December 31, 2023 and 2022, these
keuangan ini tidak mengalami penurunan financial assets are not impaired individually
nilai secara individual maupun kolektif. as well as collectively.
(vi) Aset lain-lain (vi) Other assets
Per 31 Desember 2023 dan 2022, aset lain- As of December 31, 2023 and 2022,
lain yang mengalami penurunan nilai secara individually impaired other assets amounting
individual masing-masing sebesar Rp9.778 to Rp9,778 and Rp9,778, respectively.
dan Rp9.778.
(vii) Kredit (vii) Loans
Per 31 Desember 2023 dan 2022, aset As of December 31, 2023 and 2022, these
keuangan ini mengalami penurunan nilai financial assets are impaired individually as
secara individual maupun kolektif. well as collectively.
Ikhtisar kredit pada tanggal 31 Desember 2023 Loans, as of December 31, 2023 and 2022 are
dan 2022 adalah sebagai berikut: summarized as follows:
2023
Tidak mengalami Mengalami
penurunan nilai/ penurunan nilai/
Not impaired impaired Total
Manufaktur 11.895.798 390.329 12.286.127 Manufacturing
Jasa bisnis 9.150.681 33.806 9.184.487 Business services
Perdagangan 4.860.709 101.499 4.962.208 Trading
Transportasi 1.374.542 26.159 1.400.701 Transportation
Konstruksi 1.085.629 10.051 1.095.680 Construction
Jasa pelayanan sosial 366.500 -- 366.500 Social services
Pertambangan 1.099.234 -- 1.099.234 Mining
Pertanian 881.990 1.712 883.702 Agriculture
Lain-lain 2.983.790 61.622 3.045.412 Others
Jumlah 33.698.873 625.178 34.324.051 Total
Cadangan kerugian Allowance for
penurunan nilai (573.185) (411.489) (984.674) impairment losses
Neto 33.125.688 213.689 33.339.377 Net
110
Page 714
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2022
Tidak mengalami Mengalami
penurunan nilai/ penurunan nilai/
Not impaired impaired Total
Manufaktur 12.421.345 395.684 12.817.029 Manufacturing
Jasa bisnis 8.609.855 22.971 8.632.826 Business services
Perdagangan 4.218.308 136.163 4.354.471 Trading
Transportasi 1.403.008 -- 1.403.008 Transportation
Konstruksi 1.117.306 30.387 1.147.693 Construction
Jasa pelayanan sosial 507.505 -- 507.505 Social services
Pertambangan 861.632 -- 861.632 Mining
Pertanian 670.138 1.712 671.850 Agriculture
Lain-lain 2.197.011 57.084 2.254.095 Others
Jumlah 32.006.108 644.001 32.650.109 Total
Cadangan kerugian Allowance for
penurunan nilai (531.679) (483.734) (1.015.413) impairment losses
Neto 31.474.429 160.267 31.634.696 Net
Tabel di bawah menunjukkan kualitas kredit per The table below shows credit quality per class
jenis aset keuangan yang belum jatuh tempo of financial assets (gross of allowance for
dan tidak mengalami penurunan nilai (di luar impairment losses) that are neither past due nor
cadangan kerugian penurunan nilai): impaired:
2023
Belum jatuh Telah jatuh
tempo atau tempo tetapi
tidak tidak
mengalami mengalami
penurunan penurunan
nilai/Neither nilai/Past due Mengalami
past due but not penurunan nilai/
nor impaired impaired impaired Total
Giro pada Current accounts with Bank
Bank Indonesia 1.601.540 -- -- 1.601.540 Indonesia
Giro pada Current accounts with other
bank lain 395.592 -- -- 395.592 banks
Penempatan pada Bank Placements with Bank
Indonesia dan bank lain 2.139.091 -- -- 2.139.091 Indonesia and other banks
Efek-efek 6.199.485 -- -- 6.199.485 Marketable securities
Tagihan derivatif 31.911 -- -- 31.911 Derivatives receivables
Kredit 33.164.750 534.123 625.178 34.324.051 Loans
Tagihan akseptasi 1.305.493 -- -- 1.305.493 Acceptances receivable
Aset lain-lain *) 299.684 -- 9.778 309.462 Other assets*)
45.137.546 534.123 634.956 46.306.625
Cadangan kerugian
penurunan nilai (1.008.637) Allowance for impairment losses
45.297.988
*) Termasuk di dalam aset lain-lain merupakan bunga yang masih akan diterima, setoran jaminan, tagihan transaksi ATM, pembiayaan UPAS, dan tagihan lainnya/
Included in other assets are accrued interest receivable, guarantee deposits, receivables related to ATM transaction, UPAS financing, and other receivables
111
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PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2022
Belum jatuh Telah jatuh
tempo atau tempo tetapi
tidak tidak
mengalami mengalami
penurunan penurunan
nilai/Neither nilai/Past due Mengalami
past due but not penurunan nilai/
nor impaired impaired impaired Total
Giro pada Current accounts with Bank
Bank Indonesia 1.692.309 -- -- 1.692.309 Indonesia
Giro pada Current accounts with other
bank lain 771.457 -- -- 771.457 banks
Penempatan pada Bank Placements with Bank
Indonesia dan bank lain 3.159.019 -- -- 3.159.019 Indonesia and other banks
Efek-efek 6.102.704 -- -- 6.102.704 Marketable securities
Tagihan derivatif 3.086 -- -- 3.086 Derivatives receivables
Kredit 31.858.131 147.977 644.001 32.650.109 Loans
Tagihan akseptasi 1.360.569 -- -- 1.360.569 Acceptances receivable
Aset lain-lain *) 350.930 -- 9.846 360.776 Other assets*)
45.298.205 147.977 653.847 46.100.029
Cadangan kerugian
penurunan nilai (1.036.591) Allowance for impairment losses
45.063.438
*) Termasuk di dalam aset lain-lain merupakan bunga yang masih akan diterima, setoran jaminan, tagihan transaksi ATM, pembiayaan UPAS, dan tagihan lainnya/
Included in other assets are accrued interest receivable, guarantee deposits, receivables related to ATM transaction, UPAS financing, and other receivables
Analisis umur kredit yang telah jatuh tempo An aging analysis of loans that are past due but
tetapi tidak mengalami penurunan nilai pada not impaired as of December 31, 2023 and
tanggal 31 Desember 2023 dan 2022 adalah: 2022 is set out below:
2023
Modal kerja/ Investasi/ Konsumsi/
Working capital Investment Consumer Total
1 - 30 hari 403.229 20.080 51.994 475.303 1 - 30 days
31 - 60 hari 6.845 2.585 20.315 29.745 31 - 60 days
61 - 90 hari 2.725 2.054 24.295 29.074 61 - 90 days
412.799 24.719 96.604 534.122
2022
Modal kerja/ Investasi/ Konsumsi/
Working capital Investment Consumer Total
1 - 30 hari 8.339 3.079 25.946 37.364 1 - 30 days
31 - 60 hari 17.230 2.860 19.925 40.015 31 - 60 days
61 - 90 hari 35.070 5.848 29.680 70.598 61 - 90 days
60.639 11.787 75.551 147.977
Seiring dinamika di bisnis jasa perbankan, Bank As the banking service industry is constantly
juga telah memiliki satuan kerja Special Asset changing, the Bank has established an Special
Management agar penanganan kredit Asset Management unit so that problematic
bermasalah dapat lebih terarah, terutama dalam loans can be handled in a more directed way,
hal pengelolaan kredit yang bermasalah. especially in managing non-performing loans.
Penanganan kredit bermasalah terbagi atas 2 Handling of non- performing loans is divided
(dua) kategori, yang dapat ditagih kembali dan into 2 (two) categories, collectible and
yang tidak dapat ditagih kembali. Bagi kredit uncollectible. Collectible non- performing loans
bermasalah yang masih dapat ditagih kembali are managed through credit restructuring or
ditangani dengan mengajukan restrukturisasi asset settlement, while for the uncollectible
utang atau penyelesaian aset. Sementara itu, non-performing loan, the Bank uses a cash
bagi kredit bermasalah yang tidak dapat ditagih settlement approach or legal channels.
kembali, Bank menggunakan pendekatan cash
settlement atau jalur hukum.
112
Page 716
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Risiko Operasional Operational Risk
Risiko operasional adalah risiko akibat Operational risk is risk that is due to
ketidakcukupan dan/atau tidak berfungsinya insufficiency and/or malfunctioning of the
proses internal, kesalahan manusia, kegagalan internal process, human error, system failure,
sistem, dan/atau adanya kejadian-kejadian and/or the existence of external events that
eksternal yang mempengaruhi operasional affect the operations of the Bank.
Bank.
Pengelolaan risiko operasional merupakan Operational risk management is an integral part
bagian integral dari manajemen risiko Bank. of the Bank’s risk management. In general,
Secara umum pengelolaan risiko operasional operational risk management is intended to
ditujukan untuk mencegah dan memitigasi risiko prevent and mitigate the risk in order to
guna meminimalkan dampak kerugian risiko minimize the impact of operational risk losses.
operasional.
Bank mengantisipasi risiko operasional dengan The Bank anticipated operational risk by
mempersiapkan peletakan model pengelolaan preparing the establishment of risk
risiko melalui penerapan sistem pengevaluasian management model through implementation of
tingkat risiko operasional Bank guna operational risk level evaluation of the Bank in
mendukung penciptaan nilai bagi para order to support value creation for the
pemegang saham. Penerapan yang teratur dan shareholders. The regular and comprehensive
komprehensif dilakukan guna memastikan agar implementation is applied to make sure that all
semua risiko operasional terpantau dan risk shall be monitored and controlled in a
terkendali secara tepat waktu. Penerapan punctual manner. The implementation of
analisis dampak usaha dan rencana business impact analysis and business
kelangsungan usaha yang diikuti pembangunan continuity plan, together with the development
infrastruktur teknologi informasi yang memadai of adequate information technology
guna mengantisipasi risiko teknologi diterapkan infrastructure is implemented to support the
untuk menunjang bisnis Bank. Bank’s business.
Beberapa hal yang dilakukan dalam mengelola Several things are done in managing
risiko operasional yang dihadapi Bank operational risks faced by the Bank among
diantaranya adalah pemantauan atas system others are monitoring of system downtime for
downtime, baik ATM maupun core banking Loss both ATM and core banking, Loss Event
Event Database (LED), rasio perputaran Database (LED), turnover ratio, ratio of training
karyawan, rasio biaya pelatihan terhadap total costs to total HR costs, and management of the
biaya karyawan, dan pengelolaan rencana business continuity plan. The Risk Management
kesinambungan bisnis. Satuan Kerja Unit has also developed a methodology related
Manajemen Risiko juga telah mengembangkan to risk and control self assessment (RCSA).
metodologi yang terkait dengan risk and control This method aims to identify and assess
self assessment (RCSA). Metode ini bertujuan operational risk in work activities in the branch
untuk melakukan identifkasi dan penilaian and headquarter. Until December 31, 2023,
mengenai risiko operasional yang muncul dalam Risk Management Unit has also developed
aktivitas kerja di cabang maupun di kantor policies regarding the operational risk loss
pusat. Hingga 31 Desember 2023, Satuan Kerja incident, where all working unit are required to
Manajemen Risiko juga telah menetapkan report any incident which led to the operational
kebijakan mengenai pelaporan insiden kerugian risk loss both financially and non- financially.
risiko operasional, dimana semua unit kerja
diwajibkan untuk melaporkan setiap insiden
yang menyebabkan kerugian risiko operasional
baik secara finansial maupun non finansial.
113
Page 717
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Risiko Hukum Legal Risk
Bank memantau potensi risiko hukum yang The Bank has monitored the potential legal risk
mungkin dapat timbul akibat kelemahan aspek which may arise from weakness in juridical
yuridis dan/atau adanya tuntutan hukum dari aspect and/or existence of lawsuits from third
pihak ketiga melalui pengembangan party(ies), by developing standard legal
standardisasi dokumen legal untuk aktivitas documents for banking business activities.
bisnis perbankan.
Dalam pengelolaan risiko hukum, Bank In managing legal risk, the Bank identifies and
melakukan pengidentifikasian serta monitors legal risks inherent in all functional
pemantauan risiko hukum yang melekat pada activities of the Bank, especially those
seluruh aktivitas fungsional Bank, terutama involving third parties, which have the potential
yang melibatkan pihak ketiga, yang berpotensi to cause legal interest or lawsuits. The Legal
menimbulkan benturan kepentingan maupun Work Unit also periodically reviews
tuntutan hukum. Satuan Kerja Legal juga agreements with third parties to avoid legal
secara berkala melakukan tinjauan terhadap risks.
perjanjian kerjasama dengan pihak ketiga untuk
menghindari terjadinya risiko hukum.
Selama tahun 2023, Bank juga menghadapi During 2023, The Bank also faces legal cases
kasus hukum dan di antara kasus tersebut, and among these cases, the Bank has
Bank telah berhasil menyelesaikan kasus succeeded in resolving a significant legal case.
hukum yang cukup signifikan. Sampai dengan Until December 31, 2023, the Bank believes
31 Desember 2023, Bank meyakini bahwa tidak that there is no need to reserves provision for
diperlukannya pembentukan cadangan atas these legal cases. In addition, Management
kasus-kasus hukum tersebut. Selain itu, believes that the amount of capital of the bank
manajemen meyakini bahwa modal Bank is adequate to anticipate the worst probability
memadai untuk mengantisipasi kemungkinan that may arise from the legal risk.
terburuk yang timbul dari adanya risiko hukum
tersebut.
Risiko Stratejik Strategic Risk
Dalam mengelola risiko stratejik, Bank In managing the strategic risk, the Bank is
berpedoman pada prinsip kehati-hatian dengan guided by prudent principles by implementing
menerapkan analisis stratejik yang mendalam deep strategic analysis to monitor business
untuk memantau perkembangan usaha dan development and the economic climate in order
iklim ekonomi guna membantu manajemen to assist the management in making
membuat keputusan yang tepat. Bank juga appropriate business decisions. The Bank also
memantau dan melakukan evaluasi menyeluruh fully monitors and evaluates its working
terhadap program kerja, serta rencana aksi program and strategic corporate action plan
korporasi strategis yang dikaitkan dengan which is linked to the Bank’s targets, potential
target, potensi pencapaian, serta visi dan misi achievements, and vision and mission.
Bank. Pengukuran risiko stratejik dan parameter Strategic risk measurement and parameter are
pengukurannya dilakukan berdasarkan kinerja based on the Bank's performance, which
Bank, yaitu dengan membandingkan hasil compares the achievements against the
aktual dengan target yang ditetapkan. Selain itu, targets. In addition, the Bank’s performance is
kinerja Bank juga diperbandingkan dengan peer also compared with its peer group.
group-nya.
Risiko Reputasi Reputational Risk
Bank mengidentifikasi potensi risiko reputasi The Bank has identified the potential reputation
akibat pemberitaan yang tidak berimbang, risk that could arise from imbalanced news
sehingga menimbulkan opini negatif di reports that may result in negative public
masyarakat terhadap Bank. Perbaikan yang opinion towards the Bank. One improvement
dilakukan Bank dalam menangani ekposur made by the Bank in handling good reputation
risiko reputasi baik hingga Desember 2023 risk exposure until December 2023 was a
merupakan langkah pembenahan fundamental fundamental restructuring towards a better
114
Page 718
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
ke arah yang lebih baik agar reputasi Bank direction to maintain a good reputation.
tetap terjaga dengan baik. Eksposur terhadap Exposure to unfavorable working conditions
situasi kerja yang tidak kondusif berpotensi could reduce customers trust in the Bank’s
menurunkan kepercayaan nasabah terhadap professionalism and personnel, thereby
profesionalisme Bank dan sumber daya reducing the Bank’s income.
manusia didalamnya, sehingga berdampak
pada penurunan pendapatan Bank.
Bank memitigasi risiko reputasi antara lain The Bank mitigates reputation risk through
melalui komunikasi intensif kepada satuan kerja among other matters, intensive communication
Corporate Secretary yang memfasilitasi to the Corporate Secretary unit, which facilitates
kemudahan dalam akses informasi dan easier access to information and delegates the
menugaskan satuan kerja Service Quality untuk Service Quality unit to ensure the improvement
memastikan peningkatan layanan Bank. of corporate service. Application of Service
Penerapan Service Level Agreement juga Level Agreements is also done to handle
dilakukan untuk menangani keluhan nasabah customer complaints related to the Bank’s
terkait layanan Bank melalui hotline pelayanan services through a customer service hotline and
nasabah dan surat elektronik ke situs Bank. email to the Bank’s website. Until December 31,
Hingga 31 Desember 2023, tidak terdapat 2023, there is no significant negative publicity
pemberitaan negatif yang signifikan terhadap for the Bank.
Bank.
Risiko Kepatuhan Compliance Risk
Bank terus memantau potensi risiko kepatuhan The Bank always monitors the potential
yang dapat timbul dari kegagalan Bank compliance risk which may arise from the
mematuhi peraturan yang berlaku, di antaranya Bank’s failure to comply with prevailing
terkait dengan pemenuhan rasio Kewajiban regulations related to, among other matters,
Penyediaan Modal Minimum (KPMM), rasio Capital Adequacy Ratio (CAR), required Non-
kewajiban yang dipersyaratkan seperti kredit Performing Loan (NPL) ratio, Legal Lending
yang bermasalah, Batas Maksimum Pemberian Limit (LLL), minimum Reserve Requirement
Kredit (BMPK), Giro Wajib Minimum (GWM), (RR), Net Open Position (NOP), Liquidity
Posisi Devisa Neto (PDN), Liquidity Coverage Coverage Ratio (LCR), Net Stable Funding
Ratio (LCR), Net Stable Funding Ratio (NSFR), Ratio (NSFR), and others. Non-compliance with
dan lainnya. Ketidakpatuhan terhadap these regulations could incur fines or warnings
peraturan-peraturan ini berisiko dikenakannya from the monetary authority, which would affect
denda atau teguran dari pihak otoritas di bidang the Bank’s compliance level.
moneter, sehingga berdampak pada tingkat
kepatuhan Bank.
Bank telah menunjuk Direktur Kepatuhan yang The Bank has appointed a Compliance Director
dibantu oleh Satuan Kerja Kepatuhan untuk assisted by the Compliance Unit, to identify
mengidentifikasi potensi dan mencegah potential breaches and prevent any violations in
pelanggaran dalam proses kegiatan usaha yang business activity process that could potentially
berisiko mengganggu keuangan maupun damage the Bank’s financial condition and
reputasi Bank. Kajian menyeluruh terhadap reputation. Comprehensive reviews of
aspek kepatuhan diterapkan secara sistematis compliance aspects are applied systematically
dalam tiap proses dan aktivitas yang ada di to all processes and activities within the Bank.
Bank. Melalui Satuan Kerja Kepatuhan, Bank Through the Compliance unit, the Bank has
juga telah menerapkan peraturan dan ketentuan also implemented rules and regulations
yang terkait dengan pencucian uang dan concerning money laundering and prevention of
pencegahan pendanaan terorisme. Sampai terrorism financing. Until December 31, 2023,
dengan 31 Desember 2023, Satuan Kerja Compliance Unit had disseminated all issued
Kepatuhan juga sudah secara aktif melakukan regulations from regulator.
diseminasi terhadap semua jenis peraturan
yang telah dikeluarkan oleh regulator.
115
Page 719
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Risiko Pasar Market Risk
Bank mengidentifikasi risiko pasar sebagai The Bank identifies market risk as the risk on
risiko pada posisi neraca dan rekening balance sheet positions and administrative
administratif, termasuk transaksi derivatif, akibat accounts, including derivative transactions, due
perubahan secara keseluruhan dari kondisi to overall changes in market conditions,
pasar, termasuk risiko perubahan harga option. including the risk of changes in option prices.
Pengelolaan risiko pasar terdiri dari proses Market risk management consists of the
identifikasi, pengukuran, dan pemantauan processes of identification, measurement, and
berbagai faktor risiko pasar. Bank memiliki monitoring of various market risk factors. The
kebijakan dan batasan yang terkait dengan Bank has policies and limits related to market
pengelolaan risiko pasar, serta memiliki unit risk management, including an independent unit
independen dalam melakukan pemantauan for monitoring treasury transactions. The Bank
transaksi treasuri. Bank juga melakukan analisis also conducts analysis to measure its ability to
untuk mengukur kemampuan Bank dalam cope with unfavorable market conditions.
menghadapi kondisi pasar yang tidak
menguntungkan.
Manajemen portofolio Bank juga dilakukan The Bank also manages its portfolio by dealing
dalam menghadapi pergerakan suku bunga with market interest rate fluctuation, even
pasar, walaupun komposisi risiko ini terbilang though the composition of this risk is relatively
masih kecil secara perhitungan agregat profil small compared to the aggregate risk profile.
risiko. Pemantauan pergerakan risiko suku Monitoring of market interest rate movement is
bunga pasar dilakukan secara khusus oleh carried out specifically by the Asset and Liability
Asset and Liability Committee (ALCO) yang Committee (ALCO), which has the authority to
memiliki wewenang untuk membuat make necessary adjustments to deposit and
penyesuaian yang diperlukan atas suku bunga loan interest rates. The Bank determines its
simpanan dan suku bunga kredit. Bank loan interest rate based on Cost of Fund (COF)
menetapkan suku bunga pinjaman berdasarkan plus additional allowance and overhead cost.
tingkat Cost of Fund (COF) ditambah dengan The amount of COF is reviewed on a monthly
sejumlah marjin. Besarnya COF dikaji tiap bulan basis by ALCO and the Treasury Unit.
oleh ALCO dan Satuan Kerja Treasuri.
Risiko pasar dalam hal ini dibagi menjadi dua Market risk is divided into two parts:
bagian:
i. Risiko Nilai Tukar i. Exchange Rate Risk
Risiko nilai tukar adalah risiko akibat Exchange rate risk is the risk due to changes
perubahan nilai posisi trading book dan in the value of trading book and banking book
banking book yang disebabkan oleh positions caused by changes in foreign
perubahan nilai tukar valuta asing atau exchange rates or changes in gold prices.
perubahan harga emas.
Bank mengelola paparan terhadap pengaruh The Bank manages exposure to effects of
fluktuasi nilai tukar mata uang asing dengan fluctuations in foreign currency exchange
mempertahankan eksposur risiko mata uang rates by maintaining foreign currency
asing dalam pedoman peraturan yang ada exposure within the existing regulatory
(yakni menjaga Posisi Devisa Neto sesuai guidelines (i.e maintaining the Net Open
dengan peraturan Bank Indonesia). Position based on Bank Indonesia
regulations).
2023
Perubahan persentase
nilai tukar mata uang
asing/Percentage
change in foreign Pengaruh ke laba rugi/
currency rate Impact to profit or loss
Dolar Amerika Serikat ±1,00% ±118,25 United States Dollar
±5,00% ±591,28
116
Page 720
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2022
Perubahan persentase
nilai tukar mata uang
asing/Percentage
change in foreign Pengaruh ke laba rugi/
currency rate Impact to profit or loss
Dolar Amerika Serikat ±1,00% ±450,39 United States Dollar
±5,00% ±2.251,95
Sensitivitas atas laba rugi merupakan The sensitivity of the profit or loss is the
dampak yang diestimasi atas perubahan estimated effect of the assumed change in
yang diasumsikan atas perubahan nilai tukar foreign currency exchange rates on income,
berdasarkan aset dan liabilitas keuangan based on foreign currency denominated
dalam mata uang asing. assets and liabilities.
Berdasarkan Peraturan Bank Indonesia Based on Bank Indonesia Regulation No.
No. 5/13/PBI/2003 tanggal 17 Juli 2003 dan 5/13/PBI/2003 dated July 17, 2003 and its
perubahannya: Peraturan Bank Indonesia amendments: Bank Indonesia Regulations
No. 6/20/PBI/2004 tanggal 15 Juli 2004, No. 6/20/PBI/2004 dated July 15, 2004, No.
No.7/37/PBI/2005 tanggal 30 September 7/37/PBI/2005 dated September 30, 2005,
2005, No. 12/10/PBI/2010 tanggal 1 Juli No. 12/10/PBI/2010 dated July 1, 2010, and
2010, dan No. 17/5/PBI/2015 tanggal 29 Mei No. 17/5/PBI/2015 dated May 29, 2015, the
2015, bank-bank diwajibkan untuk banks are required to maintain their net
memelihara posisi devisa netonya setinggi- foreign exchange position/net open position
tingginya 20% dari modal. Berdasarkan at amaximum of 20% of its capital. Under
pedoman Bank Indonesia, “posisi devisa Bank Indonesia guidelines, “net open
neto” merupakan penjumlahan dari nilai position” means the sum of the absolute
absolut atas selisih bersih aset dan liabilitas value of the net differences between asset
untuk setiap mata uang asing dan selisih and liability balances for each foreign
bersih tagihan dan liabilitas, berupa currency, and the net differences between
komitmen dan kontinjensi di rekening claims and liabilities, in the form of both
administratif, untuk setiap mata uang, yang commitments and contingencies in
semuanya dinyatakan dalam Rupiah. administrative accounts, for each foreign
currency, which are stated in Rupiah.
Berikut ini adalah Posisi Devisa Neto (PDN) Following is the Bank’s Net Open Position
Bank: (NOP):
2023
Aset dan tagihan Liabilitas dan
komitmen dan liabilitas
kontinjensi/ komitmen dan
Assets and kontinjensi/Liabilities
commitment and and commitment
contingent and contingent Neto - absolut/
Mata uang receivables liabilities Net - absolute Currencies
Dolar Amerika Serikat 22.989.170 22.979.308 9.862 United States Dollar
Euro Eropa 90.261 89.864 397 European Euro
Pound Sterling Inggris 1.017 106 911 Great Britain Pound Sterling
Dolar Singapura 5.124 3.310 1.814 Singapore Dollar
Dolar Australia 936 243 693 Australian Dollar
Dolar Hong Kong 1.226 15 1.211 Hong Kong Dollar
Won Korea 10.848 5.424 5.424 Korean Won
Yen Jepang 4.649 2.635 2.014 Japanese Yen
Yuan China 993 11 982 China Yuan
Total 23.308 Total
Modal *) (Catatan 34) 10.853.788 Capital *) (Note 34)
Persentase PDN terhadap modal 0,21% Percentage of NOP to Capital
117
Page 721
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2022
Aset dan tagihan Liabilitas dan
komitmen dan liabilitas
kontinjensi/ komitmen dan
Assets and kontinjensi/Liabilities
commitment and and commitment
contingent and contingent Neto - absolut/
Mata uang receivables liabilities Net - absolute Currencies
Dolar Amerika Serikat 17.771.420 17.732.095 39.325 United States Dollar
Euro Eropa 40.036 38.039 1.997 European Euro
Pound Sterling Inggris 1.547 89 1.458 Great Britain Pound Sterling
Dolar Singapura 13.973 13.576 397 Singapore Dollar
Dolar Australia 2.602 1.265 1.337 Australian Dollar
Dolar Hong Kong 1.020 14 1.006 Hong Kong Dollar
Won Korea 6.035 -- 6.035 Korean Won
Yen Jepang 4.157 2.458 1.699 Japanese Yen
Yuan China 523 5 518 China Yuan
Total 53.772 Total
Modal *) (Catatan 34) 10.302.462 Capital *) (Note 34)
Persentase PDN terhadap modal 0,52% Percentage of NOP to Capital
*) Perhitungan persentase PDN terhadap *) Calculation of NOP using December 2023
modal menggunakan modal bulan capital, with IDR/USD 15,397.
Desember 2023, dengan kurs
IDR/USD 15.397.
Batas nilai (absolut) Posisi Devisa Neto yang The (absolute) value of Net Open Position
diperkenankan dengan menggunakan modal using capital as of December 31, 2023 and
pada tanggal 31 Desember 2023 dan 2022 2022 amounted to Rp2,167,111 and
masing-masing sebesar Rp2.167.111 dan Rp2,072,500, respectively. The Net Open
Rp2.072.500. Posisi Devisa Neto Bank tidak Position of the Bank did not exceed the
melampaui batas nilai (absolut) yang maximum (absolute) value required by Bank
diperkenankan oleh Bank Indonesia. Indonesia.
ii. Risiko Suku Bunga ii. Interest Rate Risk
Risiko suku bunga adalah risiko akibat Interest rate risk is the risk due to changes in
perubahan harga instrumen dari posisi instrument prices from trading book positions
trading book atau akibat perubahan nilai or due to changes in economic value from
ekonomis dari posisi banking book yang banking book positions caused by changes in
disebabkan oleh perubahan suku bunga. interest rates.
Untuk memperkecil dampak perubahan risiko To minimize the impact of changes in interest
suku bunga terhadap pendapatan Bank, rates on the Bank’s earnings, the Bank seeks
Bank mencoba mengurangi gap antara aset to reduce the gap between rate sensitive
dan liabilitas yang sensitif terhadap suku assets (RSA) and rate sensitive liabilities
bunga. (RSL).
Analisis sensitivitas untuk beberapa faktor Sensitivity analysis for several market factors
pasar menunjukkan bagaimana laba atau showing how profit or loss and equity could
rugi dan ekuitas dapat dipengaruhi oleh be affected by changes in the relevant risk
perubahan dari beberapa faktor risiko sesuai factor are shown in the tables below. In
dengan tabel di bawah ini. Secara umum, general, sensitivity is estimated by comparing
sensitivitas diestimasi dengan an initial value to the value derived after a
membandingkan suatu nilai awal ke nilai specified change in the market factor,
tertentu setelah perubahan tertentu dari assuming all other variables are constant.
faktor pasar, dengan mengasumsikan
seluruh variabel lainnya tetap.
Sensitivitas atas laba rugi merupakan efek The sensitivity of the profit or loss is the effect
atas perubahan estimasi suku bunga atas of the assumed changes in interest rates on
laba rugi untuk suatu periode, berdasarkan the profit or loss for a period, based on the
nilai suku bunga mengambang atas aset dan variable rate trading and non-trading financial
liabilitas yang diperdagangkan dan tidak assets and liabilities held by the Bank as of
118
Page 722
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
diperdagangkan yang dimiliki Bank pada December 31, 2023 and 2022. The analysis
tanggal 31 Desember 2023 dan 2022. of the equity sensitivity is calculated by
Analisis sensitivitas atas ekuitas dihitung revaluing fixed rate of financial assets
dengan menilai kembali perubahan estimasi measured at fair value through other
suku bunga tetap atas aset keuangan yang comprehensive income as of December 31,
diukur pada nilai wajar melalui penghasilan 2023 and 2022, for the effects of the
komprehensif lain pada tanggal 31 Desember assumed changes in interest rates. The total
2023 dan 2022. Jumlah sensitivitas atas sensitivity of equity is based on the
ekuitas didasarkan pada asumsi bahwa assumption that there are parallel shifts in the
terdapat perubahan paralel dalam kurva yield curve.
penghasilan.
Tabel di bawah ini menunjukkan sensitivitas The table below demonstrates the sensitivity
dari laba rugi dan ekuitas Bank terhadap of the Bank’s profit or loss and equity to
kemungkinan perubahan wajar atas suku reasonably possible changes in interest rates
bunga untuk aset dan liabilitas keuangan for fixed rate financial assets and liabilities as
dengan suku bunga tetap pada tanggal of December 31, 2023 and 2022:
31 Desember 2023 dan 2022:
2023
Dampak ke Dampak ke
Perubahan basis laba rugi/ ekuitas/
poin/Change Impact to Impact to
in basis point profit or loss *) equity *)
Rupiah ±50 ±28.162 ±.77.242 Rupiah
±125 ±70.406 ±203.142
2022
Dampak ke Dampak ke
Perubahan basis laba rugi/ ekuitas/
poin/Change Impact to Impact to
in basis point profit or loss *) equity *)
Rupiah ±50 ±16.963 ±111.411 Rupiah
±125 ±42.409 ±290.676
Risiko Likuiditas Liquidity Risk
Risiko likuiditas merupakan risiko akibat Liquidity risk is the risk resulting from the
ketidakmampuan Bank untuk memenuhi Bank's inability to meet its maturing obligations
kewajiban yang jatuh tempo dari sumber from cash flow funding sources and/or from
pendanaan arus kas dan/atau dari aset likuid high quality liquid assets that can be used as
berkualitas tinggi yang dapat diagunkan, tanpa collateral, without disrupting the activities and
menggangu aktivitas dan kondisi keuangan financial condition of the bank.
bank.
Bank mengelola risiko likuiditas dalam jangka The Bank manages liquidity risk both on a short
pendek dan jangka menengah. Dalam jangka term and medium term basis. In the short term,
pendek fokus Bank adalah untuk memastikan the Bank’s focus is to ensure that the cash flow
bahwa kebutuhan arus kas dapat dipenuhi demands can be met through asset maturities,
melalui aset yang jatuh tempo, simpanan customer deposits, and wholesale funding
nasabah, dan pendanaan apabila dibutuhkan. where required. In the medium- term the Bank’s
Dalam jangka menengah, fokus Bank adalah focus is on ensuring the statement of financial
untuk memastikan laporan posisi keuangan position remains structurally good and aligned
tetap sehat secara struktural dan sesuai dengan to the Bank’s strategy.
strategi Bank.
119
Page 723
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Dalam mengantisipasi potensi risiko likuiditas To anticipate the potential liquidity risk arising
akibat kegagalan memenuhi liabilitas from the failure to settle due liabilities, the Bank
pembayarannya yang sudah jatuh tempo, Bank implements risk management in a holistic way,
menerapkan pengelolaan risiko secara holistik, such as gapping analysis between funding and
di antaranya meliputi analisis gapping antara lending, maintaining capital adequacy, and
pendanaan dan pembiayaan, kecukupan modal, seeking the optimum level of assets. The
serta penentuan tingkat likuiditas optimum aset. Bank’s liquidity management is being handled
Manajemen likuiditas Bank dilakukan oleh by the Treasury unit, with recommendations
satuan kerja Treasuri, melalui rekomendasi dari from the Risk Management Committee (RMC)
Komite Manajemen Risiko (KMR) dan ALCO. and ALCO.
Peranan Departemen Manajemen Risiko dalam The role of the Risk Management Department
mengelola risiko likuiditas adalah dengan in managing liquidity risk is performed using
menggunakan beberapa pendekatan, di several approaches, including calculation of
antaranya pengukuran rasio likuiditas dan liquidity ratio and liquidity gap measurement
pengukuran terhadap gap likuiditas dan and monitoring compliance with the minimum
pengawasan atas pemenuhan Giro Wajib reserve requirement in both Rupiah and foreign
Minimum (GWM) dalam Rupiah dan mata uang currency.
asing.
Bank mengukur dan memantau risiko likuiditas The Bank measures and monitors liquidity risk
melalui analisis perbedaan jatuh tempo through analysis of liquidity gap and liquidity
likuiditas dan rasio-rasio likuiditas. ratios.
Analisis perbedaan jatuh tempo aset dan Maturity mismatch analysis of financial assets
liabilitas keuangan and liabilities
Tabel jatuh tempo berikut menyajikan informasi The following maturity tables provide
mengenai perkiraan sisa jatuh tempo dari aset information about the expected maturities of the
dan liabilitas keuangan Bank pada tanggal Bank’s financial assets and liabilities as of
31 Desember 2023 dan 2022. December 31, 2023 and 2022.
2023
Tidak
> 3 bulan - memiliki
1 tahun/ jatuh tempo/
≤ 1 bulan/ > 1 - 3 bulan/ > 3 months - > 1- 5 tahun/ > 5 tahun/ Without
Total ≤ 1 month > 1 - 3 months 1 year > 1 - 5 years > 5 years maturity
Aset keuangan Financial assets
Kas 172.058 -- -- -- -- -- 172.058 Cash
Giro pada Current accounts with
Bank Indonesia 1.601.540 -- -- -- -- -- 1.601.540 Bank Indonesia
Giro pada bank Current accounts with
lain 395.592 -- -- -- -- -- 395.592 other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain 2.139.091 2.062.437 -- 76.654 -- -- -- and other banks
Efek-efek 6.199.485 192.880 385.801 1.223.184 3.287.412 1.110.208 -- Marketable securities
Tagihan derivatif 31.911 3.479 -- 797 -- 27.635 -- Derivatives receivable
Kredit - bruto 34.324.051 745.718 2.697.894 12.023.118 12.560.403 6.296.918 -- Loans - gross
Tagihan akseptasi 1.305.493 444.839 409.984 450.670 -- -- -- Acceptances receivable
Aset lain-lain *) 309.462 200.864 7.602 429 13.859 86.708 -- Other assets *)
Jumlah 46.478.683 3.650.217 3.501.281 13.774.852 15.861.674 7.521.469 2.169.190 Total
Penyisihan kerugian Allowance for
penurunan nilai (1.007.151) impairment losses
Jumlah 45.471.532 Total
Liabilitas keuangan Financial liabilities
Liabilitas segera 182.424 182.424 -- -- -- -- -- Liabilities due immediately
Deposits from
Simpanan nasabah 26.229.093 17.842.765 5.395.795 2.543.177 447.357 -- -- customers
Simpanan dari Deposits from
bank lain 4.746.969 127.869 -- 4.619.100 -- -- other banks
Liabilitas derivatif 26.248 470 -- 597 -- 25.181 -- Derivatives payable
Liabilitas akseptasi 1.305.493 444.839 409.984 450.670 -- -- -- Acceptances payable
Pinjaman yang diterima 2.578.595 -- -- 2.578.595 -- -- -- Borrowings
Surat berharga yang
diterbitkan -- -- -- -- -- -- -- Securities issued
Liabilitas lain-lain**) 444.550 117.987 57.537 17.183 146.748 105.095 -- Other liabilities**)
Jumlah 35.513.372 18.716.354 5.863.316 10.209.322 594.105 130.276 -- Total
Perbedaan jatuh tempo 10.965.311 (15.066.137) (2.362.035) 3.565.530 15.267.569 7.391.193 2.169.190 Maturity gap
Aset neto 9.958.160 Net assets
120
Page 724
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2022
Tidak
> 3 bulan - memiliki
1 tahun/ jatuh tempo/
≤ 1 bulan/ > 1 - 3 bulan/ > 3 months - > 1- 5 tahun/ > 5 tahun/ Without
Total ≤ 1 month > 1 - 3 months 1 year > 1 - 5 years > 5 years maturity
Aset keuangan Financial assets
Kas 183.737 -- -- -- -- -- 183.737 Cash
Giro pada Current accounts with
Bank Indonesia 1.692.309 -- -- -- -- -- 1.692.309 Bank Indonesia
Giro pada bank Current accounts with
lain 771.457 -- -- -- -- -- 771.457 other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain 3.159.019 3.159.019 -- -- -- -- -- and other banks
Efek-efek 6.102.704 72.833 125.444 206.838 3.848.688 1.848.901 -- Marketable securities
Tagihan derivatif 3.086 2.846 -- 240 -- -- -- Derivatives receivable
Kredit - bruto 32.650.109 777.216 2.690.905 11.958.813 10.743.891 6.479.284 -- Loans - gross
Tagihan akseptasi 1.360.569 123.766 611.726 625.077 -- -- -- Acceptances receivable
Aset lain-lain*) 360.776 225.677 25.479 8.463 15.166 85.991 -- Other assets *)
Jumlah 46.283.766 4.361.357 3.453.554 12.799.431 14.607.745 8.414.176 2.647.503 Total
Penyisihan kerugian Allowance for
penurunan nilai (1.036.591) impairment losses
Jumlah 45.247.175 Total
Liabilitas keuangan Financial liabilities
Liabilitas segera 124.414 124.414 -- -- -- -- -- Liabilities due immediately
Deposits from
Simpanan nasabah 26.892.543 19.441.136 4.376.229 2.625.867 447.775 1.536 -- customers
Simpanan dari Deposits from
bank lain 5.411.146 273.871 -- -- -- 5.137.275 -- other banks
Liabilitas derivatif 2.105 2.105 -- -- -- -- -- Derivatives payable
Liabilitas akseptasi 1.360.569 123.766 611.726 625.077 -- -- -- Acceptances payable
Pinjaman yang diterima 554.575 29.807 24.768 -- 500.000 -- -- Borrowings
Surat berharga yang
diterbitkan 982.609 -- -- -- 982.609 -- -- Securities issued
Liabilitas lain-lain**) 445.422 97.113 54.408 20.064 180.783 93.054 -- Other liabilities **)
Jumlah 35.773.383 20.092.212 5.067.131 3.271.008 2.111.167 5.231.865 -- Total
Perbedaan jatuh tempo 10.510.383 (15.730.855) (1.613.577) 9.528.423 12.496.578 3.182.311 2.647.503 Maturity gap
Aset neto 9.473.792 Net assets
*) Termasuk di dalam aset lain-lain merupakan bunga yang masih akan diterima, setoran jaminan, tagihan transaksi ATM, pembiayaan UPAS, dan tagihan lainnya/
Included in other assets are accrued interest receivables, guarantee deposits, receivables related to ATM transaction, UPAS financing, and other receivables
**) Termasuk di dalam liabilitas lain-lain merupakan bunga yang masih harus dibayar, liabilitas sewa, setoran jaminan, dan kewajiban kepada pihak ketiga lainnya/
Included in other liabilities are accrued interest payables, lease liabilities, guarantee deposits, and other third parties liabilities
Sisa jatuh tempo kontraktual dari liabilitas Residual contractual maturities of financial
keuangan liabilities
Tabel di bawah ini menyajikan ekspektasi arus The table below shows the expected
kas yang tidak didiskontokan dari liabilitas undiscounted cash flows on the Bank’s financial
keuangan Bank berdasarkan jatuh tempo liabilities on the basis of their earliest possible
kontraktual yang terdekat pada tanggal laporan contractual maturity as at the statement of
posisi keuangan: financial position date.
2023
Kurang dari Lebih dari Lebih dari
3 bulan/ 1 - 5 tahun/ 5 tahun/
Less than 3 - 12 bulan/ More than More than
Total 3 months 3 - 12 months 1 - 5 years 5 years
Liabilitas segera 182.424 182.424 -- -- -- Liabilities due immediately
Simpanan nasabah 26.229.093 23.238.559 2.543.177 447.357 -- Deposits from customers
Simpanan dari bank lain 4.746.969 4.746.969 -- -- -- Deposits from other banks
Liabilitas derivatif 26.248 26.248 -- -- -- Derivative payable
Liabilitas akseptasi 1.305.493 854.823 450.670 -- -- Acceptances payable
Pinjaman yang diterima 2.578.595 -- 2.578.595 -- -- Borrowings
Liabilitas lain-lain*) 713.111 179.333 26.781 282.826 224.171 Other liabilities*)
35.781.933 29.228.356 5.599.223 730.183 224.171
*) Termasuk di dalam liabilitas lain-lain merupakan bunga masih harus dibayar, liabilitas sewa, setoran jaminan, dan kewajiban kepada pihak ketiga lainnya/
Included in other liabilities are accrued interest payables, lease liabilities, guarantee deposits, and other third parties liabilities
121
Page 725
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2022
Kurang dari Lebih dari Lebih dari
3 bulan/ 1 - 5 tahun/ 5 tahun/
Less than 3 - 12 bulan/ More than More than
Total 3 months 3 - 12 months 1 - 5 years 5 years
Liabilitas segera 124.414 124.414 -- -- -- Liabilities due immediately
Simpanan nasabah 26.993.947 23.855.433 2.674.391 462.473 1.650 Deposits from customers
Simpanan dari bank lain 5.411.146 273.871 -- -- 5.137.275 Deposits from other banks
Liabilitas derivatif 2.105 2.105 -- -- -- Derivative payable
Liabilitas akseptasi 1.360.569 735.492 625.077 -- -- Acceptances payable
Pinjaman yang diterima 554.575 54.575 -- 500.000 -- Borrowings
Surat berharga yang
diterbitkan 1.036.368 17.254 1.019.114 -- -- Securities issued
Liabilitas lain-lain*) 682.780 153.571 24.853 279.634 224.722 Other liabilities*)
36.165.904 25.216.715 4.343.435 1.242.107 5.363.647
*) Termasuk di dalam liabilitas lain-lain merupakan bunga masih harus dibayar, liabilitas sewa, setoran jaminan, dan kewajiban kepada pihak ketiga lainnya/
Included in other liabilities are accrued interest payables, lease liabilities, guarantee deposits, and other third parties liabilities
38. Laba Per Saham 38. Earnings Per Share
Berikut adalah perhitungan laba bersih per The following presents the computations of
saham dasar: basic earnings per share:
2023
Rata-rata tertimbang Laba per saham
Laba tahun jumlah saham dasar/ (nilai penuh)/
berjalan/ Weighted average number Earnings per
Income for of ordinary shares share
the year outstanding (full amount)
Laba per saham dasar 453.209 3.160.092.563 143,42 Basic earnings per share
2022
Rata-rata tertimbang Laba per saham
Laba tahun jumlah saham dasar/ (nilai penuh)/
berjalan/ Weighted average number Earnings per
Income for of ordinary shares share
the year outstanding (full amount)
Laba per saham dasar 457.594 3.160.092.563 144,80 Basic earnings per share
Bank tidak mempunyai efek berpotensi saham The Bank has no outstanding dilutive potential
biasa yang bersifat dilutif pada pada tanggal ordinary shares as of December 31, 2023 and
tanggal 31 Desember 2023 dan 2022. 2022.
39. Transaksi Non-Kas 39. Non-Cash Transaction
2023 2022
Rp Rp
Penghapusbukuan kredit yang
diberikan (77.154) (108.140) Write-off of loan
122
Page 726
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Perubahan pada liabilitas yang timbul Changes in liabilities arising from financing
dari aktivitas pendanaan pada laporan arus activities in the cash flow statement are as
kas adalah sebagai berikut: follows:
1 Januari/ Arus kas Arus kas Selisih kurs/ 31 Desember/
January 1, masuk/ keluar/ Foreign Lainnya/ December 31,
2023 Cash in Cash out exchange Others 2023
Surat berharga
yang diterbitkan 982.609 -- (981.437) (2.019) 847 -- Securities issued
Pinjaman yang
diterima 554.575 2.078.595 (53.267) (1.308) -- 2.578.595 Borrowings
Liabilitas sewa 328.524 -- (77.132) -- 53.561 304.953 Lease liabilities
1.865.708 2.078.595 (1.111.836) (3.327) 54.408 2.883.548
1 Januari/ Arus kas Arus kas Selisih kurs/ 31 Desember/
January 1, masuk/ keluar/ Foreign Lainnya/ December
2022 Cash in Cash out exchange Others 31, 2022
Surat berharga
yang diterbitkan 919.355 -- -- 63.254 -- 982.609 Securities issued
Pinjaman yang
diterima 52.398 554.575 (52.767) 369 -- 554.575 Borrowings
Liabilitas sewa 355.207 -- (52.750) -- 26.067 328.524 Lease liabilities
1.326.960 554.575 (105.517) 63.623 26.067 1.865.708
40. Informasi Segmen Usaha 40. Segment Information
Segmen operasi Operating segment
2023
Pembiayaan/ Pendanaan/ Treasuri/ Jasa/
Lending Funding Treasury Service Total
Pendapatan bunga 2.455.615 -- 572.655 14.764 3.043.034 Interest income
Beban bunga -- (1.225.893) (68.972) (23.982) (1.318.847) Interest expense
Provisi dan komisi selain Fees and commission
dari kredit 15.854 46.165 -- 64.752 126.771 not related to loan
Keuntungan transaksi Gain on foreign exchange -
mata uang asing - neto -- -- 72.412 -- 72.412 net
Keuntungan penjualan efek-efek -- -- 38.774 -- 38.774 Gain on sale of securities
Kerugian dari perubahan nilai
wajar atas instrumen keuangan Loss on change in fair value
yang diukur pada nilai wajar of instruments at fair value
melalui laba rugi - neto -- -- 5.665 -- 5.665 through profit or loss - net
Pendapatan operasional Other operating income -
lainnya - lain-lain - neto 33.423 10.407 3.546 (59.695) (12.319) others - net
Penyisihan kerugian penurunan Allowance for impairment
nilai aset keuangan (53.392) 952 (2.222) 638 (54.024) losses on financial assets
Beban yang tidak dapat dialokasi -- -- -- -- (1.284.905) Unallocated expenses
Laba sebelum beban pajak 2.451.500 (1.168.369) 621.858 (3.523) 616.561 Income before tax expense
2022
Pembiayaan/ Pendanaan/ Treasuri/ Jasa/
Lending Funding Treasury Service Total
Pendapatan bunga 2.014.750 -- 478.792 12.551 2.506.093 Interest income
Beban bunga -- (615.606) (67.791) (26.583) (709.980) Interest expense
Provisi dan komisi selain Fees and commission
dari kredit 18.732 81.341 -- 68.580 168.653 not related to loan
Keuntungan transaksi Gain on foreign exchange -
mata uang asing - neto -- -- 52.703 -- 52.703 net
Keuntungan penjualan efek-efek -- -- 34.725 -- 34.725 Gain on sale of securities
Kerugian dari perubahan nilai
wajar atas instrumen keuangan Loss on change in fair value
yang diukur pada nilai wajar of instruments at fair value
melalui laba rugi - neto -- -- (1.474) -- (1.474) through profit or loss - net
Beban operasional Other operating expense -
lainnya - lain-lain - neto 33.350 8.314 1.133 (80.348) (37.551) others - net
Penyisihan kerugian penurunan Allowance for impairment
nilai aset keuangan (301.230) -- 534 (1.736) (302.432) losses on financial assets
Beban yang tidak dapat dialokasi -- -- -- -- (1.112.260) Unallocated expenses
Laba sebelum beban pajak 1.765.602 (525.951) 498.622 (27.536) 598.477 Income before tax expense
123
Page 727
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023
Pembiayaan/ Pendanaan/ Treasuri/ Jasa/
Lending Funding Treasury Service Total
Aset yang dapat dialokasi 33.995.698 192.371 10.270.556 1.389.983 45.848.608 Allocated assets
Aset yang tidak
dapat dialokasi -- -- -- -- 1.035.258 Unallocated assets
Total aset 33.995.698 192.371 10.270.556 1.389.983 46.883.866 Totalliabilities
Allocated assets
Liabilitas yang dapat dialokasi 17.914 26.656.206 7.240.419 1.312.315 35.235.854 Allocated liabilities
Liabilitas yang tidak
dapat dialokasi -- -- -- -- 584.569 Unallocated liabilities
Total liabilitas 17.914 26.656.206 7.240.419 1.312.315 35.820.423 Total liabilities
2022
Pembiayaan/ Pendanaan/ Treasuri/ Jasa/
Lending Funding Treasury Service Total
Aset yang dapat dialokasi 32.249.852 205.953 11.394.881 1.738.548 45.589.234 Allocated assets
Aset yang tidak
dapat dialokasi -- -- -- -- 1.110.181 Unallocated assets
Total aset 32.249.852 205.953 11.394.881 1.738.548 46.699.415 Totalliabilities
Allocated assets
Liabilitas yang dapat dialokasi 13.213 27.386.099 6.685.017 1.382.253 35.466.582 Allocated liabilities
Liabilitas yang tidak
dapat dialokasi -- -- -- -- 621.279 Unallocated liabilities
Total liabilitas 13.213 27.386.099 6.685.017 1.382.253 36.087.861 Total liabilities
Segmen geografis Geographical segment
2023
Di luar Jawa/
Jawa/Java Other than Java Total
Pendapatan bunga 2.978.361 64.673 3.043.034 Interest income
Beban bunga (1.231.631) (87.216) (1.318.847) Interest expense
Provisi dan komisi selain dari Fees and commissions
kredit 126.495 276 126.771 not related to loan
Keuntungan transaksi mata uang Gain on foreign
asing - neto 72.295 117 72.412 exchange - net
Keuntungan penjualan efek-efek 38.774 -- 38.774 Gain on sale of securities
Kerugian dari perubahan
nilai wajar atas instrumen keuangan Loss on changes in
yang diukur pada nilai wajar melalui fair value through profit or
laba rugi - neto 5.665 -- 5.665 loss - net
Cadangan kerugian penurunan nilai Allowance for impairment losses on
aset keuangan (34.226) (19.798) (54.024) financial assets
Beban tenaga kerja (494.298) (9.623) (503.921) Personnel expenses
Beban umum dan administrasi (777.516) (9.037) (786.553) General and administrative expenses
Pendapatan operasional lain-lain - Other operating income -
lain-lain - neto (18.576) 6.257 (12.319) others - net
Pendapatan non operasional - neto (48.782) 54.351 5.569 Non-operating income - net
Laba sebelum beban pajak 616.561 -- 616.561 Income before tax expense
124
Page 728
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2022
Di luar Jawa/
Jawa/Java Other than Java Total
Pendapatan bunga 2.438.213 67.880 2.506.093 Interest income
Beban bunga (663.136) (46.844) (709.980) Interest expense
Provisi dan komisi selain dari Fees and commissions
kredit 168.130 523 168.653 not related to loan
Keuntungan transaksi mata uang Gain on foreign
asing - neto 52.578 125 52.703 exchange - net
Keuntungan penjualan efek-efek 34.725 -- 34.725 Gain on sale of securities
Kerugian dari perubahan
nilai wajar atas instrumen keuangan Loss on changes in
yang diukur pada nilai wajar melalui fair value through profit or
laba rugi - neto (1.474) -- (1.474) loss - net
Cadangan kerugian penurunan nilai Allowance for impairment losses on
aset keuangan (305.742) 3.310 (302.432) financial assets
Beban tenaga kerja (435.513) (9.891) (445.404) Personnel expenses
Beban umum dan administrasi (665.165) (9.207) (674.372) General and administrative expenses
Pendapatan operasional lain-lain - Other operating income -
lain-lain - neto (42.828) 5.277 (37.551) others - net
Pendapatan non operasional - neto 7.514 2 7.516 Non-operating income - net
Laba sebelum beban pajak 587.302 11.175 598.477 Income before tax expense
2023
Di luar Jawa/
Jawa/Java Other than Java Total
Total aset 46.091.402 792.464 46.883.866 Total assets
Total liabilitas 33.779.928 2.040.495 35.820.423 Total liabilities
2022
Di luar Jawa/
Jawa/Java Other than Java Total
Total aset 45.928.965 770.450 46.699.415 Total assets
Total liabilitas 34.480.233 1.607.628 36.087.861 Total liabilities
Untuk tahun-tahun yang berakhir pada tanggal For the years ended December 31, 2023 and
31 Desember 2023 dan 2022, tidak terdapat 2022, there is no interest income from
pendapatan bunga dari salah satu konsumen transaction with a single external customer
eksternal yang mencapai 10% atau lebih dari amounting to 10% or more of the Bank’s total
total pendapatan bunga Bank. interest income.
41. Perjanjian-Perjanjian Signifikan 41. Significant Agreements
a) Pada tanggal 27 Desember 2017, Bank a) On December 27, 2017, the Bank has
menandatangani perjanjian kerja sama entered into cooperation agreement of co-
tentang kartu co-branding dengan branding card using Mandiri e-money with
menggunakan kartu Mandiri e-money dengan PT Bank Mandiri (Persero) Tbk. Under the
PT Bank Mandiri (Persero) Tbk. Berdasarkan agreement, the Bank will provide marketing
perjanjian tersebut, Bank akan menyediakan services for the selling of e-money card.
layanan pemasaran untuk penjualan kartu e-
money.
b) Pada tanggal 1 Maret 2017, Bank telah b) On March 1, 2017, the Bank has entered
melakukan perjanjian sewa komersial untuk p into commercial lease agreement for office
ruang kantor dengan PT Hamko Propertindo e space with PT Hamko Propertindo Ananta, a
Ananta, pihak berelasi Bank. Perjanjian sewa r related party. The lease agreement is for a
adalah untuk jangka waktu 5 tahun meliputi p period of 5 years covering a total office
total ruang kantor sekitar 10.271,58 meter a space of approximately 10,271.58 square
persegi di Mangkuluhur City Tower 1. meters in Mangkuluhur City Tower 1. The
125
Page 729
PT BANK KEB HANA INDONESIA PT BANK KEB HANA INDONESIA
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Jutaan Rupiah, (In Million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pembayaran sewa adalah di muka setiap payment terms are in advance on a yearly
tahun. Jangka waktu sewa dapat basis. The lease term can be renewed at
diperpanjang pada harga pasar. Pada 1 market rent. On March 1, 2022, the Bank
Maret 2022, Bank memperpanjang perjanjian extended this agreement until February 28,
sewa ini sampai dengan 28 Februari 2027. 2027.
c) Pada tanggal 30 Agustus 2016, Bank telah c) On August 30, 2016, the Bank has entered
melakukan perjanjian sewa komersial untuk into commercial lease agreement for office
ruang kantor dengan PT Wisma Purnayudha space with PT Wisma PurnayudhaPutra,
Putra, efektif mulai 1 Mei 2017. Perjanjian effective May 1, 2017. The lease agreement
sewa adalah untuk jangka waktu 20 tahun is for a period of 20 years up to September
sampai dengan 1 September 2037 meliputi 1, 2037 covering a total office space of
total ruang kantor sekitar 1.838,62 meter approximately 1,838.62 square meters in
persegi di Mangkuluhur City Tower 1. Mangkuluhur City Tower 1. The lease
Kontrak sewa berisi mengenai klausul contract includes annual escalation clauses
eskalasi dan ketentuan pembayaran sewa and payment terms of the lease is in
adalah di muka setiap tiga bulan. Jangka advance on a quarterly basis. The lease
waktu sewa dapat diperpanjang pada harga term can be renewed at market rent.
pasar.
42. Peristiwa Setelah Periode Pelaporan 42. Subsequent Event
Anton Hermawan mengundurkan diri dari Anton Hermawan resigned from his position as
jabatannya sebagai Direktur Perbankan a Consumer Banking Director for PT Bank KEB
Konsumer PT Bank KEB Hana Indonesia efektif Hana Indonesia effectively on January 1, 2024.
mulai 1 Januari 2024. Pengunduran diri The resignation has been submitted to
tersebut telah disampaikan kepada Otoritas Financial Services Authority based on letter
Jasa Keuangan melalui surat No. No. 35/4946/PN/SEC dated October 16, 2023
35/4946/PN/SEC tanggal 16 Oktober 2023 regarding Resignation Information of the
mengenai Informasi Pengunduran Diri Direktur Consumer Banking Director of PT Bank KEB
Perbankan Konsumer PT Bank KEB Hana Hana Indonesia.
Indonesia.
43. Tanggung Jawab Manajemen atas Laporan 43. Management Responsibility to the Financial
Keuangan Statements
Manajemen Bank bertanggung jawab atas The Bank’s management is responsible for the
penyusunan dan penyajian wajar laporan preparation and fair presentation of these
keuangan sesuai dengan Standar Akuntansi financial statements in accordance with
Keuangan di Indonesia, yang diselesaikan dan Indonesian Financial Accounting Standards,
disetujui untuk diterbitkan oleh Direksi Bank which were completed and authorized for
pada tanggal 25 Maret 2024. issuance by the Board of Directors of the Bank
on March 25, 2024.
Draft ini disetujui/This draft is approved by
126
Page 730
Names mentioned 213 people and organisations named in the text · linked when the evidence is strong
unresolved
org
PT Bank KEB Hana Indonesia Mangkuluhur City Tower
p.2
unresolved
org
Bank Hana
p.4 ×111
unresolved
org
PT BANK KEB HANA INDONESIA ANNUAL
p.5 ×51
unresolved
org
Bank Hana. Layanan
p.6
unresolved
org
Bank Hana Seluruh
p.6
unresolved
org
PT Bank KEB Hana
p.7 ×24
unresolved
org
Kantor Akuntan Publik Public Accountant Firm
p.8
unresolved
—
Professions
p.8
unresolved
person
Nominasi
· Komisaris
p.9
unresolved
person
Institusi
· Komisaris
p.9
unresolved
org
Bank Kick-Off Meeting
p.18
unresolved
org
Bank Korea.
p.19 ×16
unresolved
org
Bank Internship Indonesia’s
p.20
unresolved
org
PT BANK KEB HANA INDONESIA BANK TERBAIK
p.22
unresolved
org
Bank Category
p.23
unresolved
org
PT Bank KEB Hana Indonesia Bank Swasta
p.23
unresolved
org
Bank Devisa
p.23 ×2
unresolved
org
Bank Devisa KBMI
p.23
unresolved
org
Bank Category Sertifikasi Certification Tanggal Perolehan
p.23
unresolved
org
Bank Indonesia
p.27 ×18
unresolved
org
Financial Services Authority
p.28 ×33
unresolved
org
Bank Hana. Sejalan
p.28
unresolved
org
Bank Hana. Sejauh
p.30
unresolved
person
Eka Noor Asmara
· President Commissioner
p.31 ×5
unresolved
org
Finance Corporation
p.32
unresolved
person
Sungwhan Lee
· Komisaris Utama
p.33 ×3
unresolved
person
Dino Patti Djalal
· Komisaris Independen
p.33 ×5
unresolved
—
APRESIASI
· APPRECIATION
p.33
unresolved
—
dedikasi yang luar biasa atas pencapaian ini.
· employees who have demonstrated exceptional
p.33
unresolved
org
Bank Hana. Begitu juga dengan regulator
· like to extend our gratitude to regulators who have
p.33
unresolved
org
Bank Hana. Begitu
p.33
unresolved
—
telah memberikan bimbingan dan arahan
· provided guidance and directives that enabled the
p.33
unresolved
org
sehingga manajemen mampu melalui tahun 2023
· management to navigate through 2023 with good
p.33
unresolved
—
kinerja yang baik dengan tetap berpegang
· performance while constantly adhering to good
p.33
unresolved
—
teguh pada prinsip-prinsip tata kelola
· corporate governance principles.
p.33
unresolved
—
juga memberikan apresiasi
· The Board of Commissioners would additionally
p.33 ×2
unresolved
org
rencana Bank tahun 2024 yang telah ditetapkan
· will be maintained, allowing the Bank to achieve its
p.33
unresolved
org
PT Bank KEB Hana Indonesia Sungwhan Lee
p.33
unresolved
org
2023 PT BANK KEB HANA INDONESIA ANNUAL
· 29
p.33 ×2
unresolved
org
PT Bank KEB
p.35 ×28
unresolved
org
Hana”, “Bank”)
p.35 ×2
unresolved
org
Bank Sentral Amerika Serikat
p.36
unresolved
org
Pusat Statistik
p.36
unresolved
org
Bank Hana. Namun
p.40
unresolved
org
Bank Hana’s
p.40 ×2
unresolved
org
Bank Hana. Rencana Bisnis Bank
p.40
unresolved
org
Bank GCG
p.46
unresolved
person
Jong Jin Park
· Direktur Utama
p.48 ×2
unresolved
person
Bayu Wisnu Wardhana
· Direktur
p.48 ×2
unresolved
person
Ratna Ningsih
· Direktur
p.48 ×2
unresolved
person
Sang Keun Kwak
· Direktur
p.48 ×2
unresolved
person
Seong Hyeok Mun
· Direktur
p.48 ×2
unresolved
person
Geoffry Nugraha
· Director
p.48 ×3
unresolved
org
PT Bank KEB Hana Indonesia Jong Jin Park
p.49
unresolved
org
PT Bank KEB Hana Indonesia BIDANG
p.52
unresolved
org
LINE Financial Corporation
p.52 ×2
unresolved
org
Menjual Obligasi Private Limited
p.52
unresolved
org
Bank Umum Commercial Bank
p.53
unresolved
org
PT Bank Pasar Pagi Madju
p.53 ×5
unresolved
org
PT Bank Bintang Manunggal
p.53 ×6
unresolved
org
PT Bank KEB Indonesia
p.53 ×3
unresolved
org
Minister of Finance
p.53
unresolved
org
PT Bank Bintang
p.53 ×3
unresolved
org
PT Bank KEB Hana Indonesia. PERINGKAT Rating
p.53
unresolved
org
PT Fitch Ratings Indonesia
p.53
unresolved
org
PT Bank KEB Indonesia Indonesia
p.54
unresolved
org
LINE Financial Plus Corporation
p.55 ×2
unresolved
org
PT Bank Wisma Mulia
p.56
unresolved
org
PT Sinarmas Multiartha
p.56 ×3
unresolved
org
Kementerian Pekerjaan
p.57
unresolved
org
Ministry of Public Works
p.57
unresolved
org
KTA. Financial Plus Corporation
p.57
unresolved
org
Bank KEB Hana Subordinated Bond I
p.57
unresolved
org
Bank Administrator
p.57
unresolved
org
Bank Bank Hana
p.58
unresolved
org
PT Asuransi Allianz Life Insurance
p.62 ×2
unresolved
org
PT Asuransi Simas Jiwa.
p.62 ×2
unresolved
org
Reksa Dana Pasar Uang
p.62
unresolved
org
Reksa Dana Pendapatan Tetap
p.62
unresolved
org
Reksa Dana Perimbangan
p.62
unresolved
org
PT Batavia Prosperindo Aset Manajemen
p.62 ×2
unresolved
org
PT Allianz Global Investor Asset Management Indonesia
p.62 ×2
unresolved
org
PT Shinhan Asset Management Indonesia
p.62 ×2
unresolved
org
Bank Debit Card
p.63 ×2
unresolved
org
Bank Priority Banking Debit Card. TRUST
p.63
unresolved
org
Bank Hana Priority Banking
p.63
unresolved
org
Bank Priority Banking
p.63
unresolved
org
Bank Garansi
p.63
unresolved
org
Bank Luncurkan Kartu Debit
p.64
unresolved
org
Bank Launch New Debit Card
p.64
unresolved
person
Forum Komunikasi
· Direktur
p.65 ×2
unresolved
—
FKPDKP
· Anggota
p.65
unresolved
org
Bank Agen Penjual Efek Reksa Dana Indonesia
p.65
unresolved
—
ABAPERDI
· Anggota
p.65
unresolved
org
PT Penyelenggara
p.65
unresolved
—
LAPS SJK
· Anggota
p.65
unresolved
—
FKPDOP
· Anggota
p.65
unresolved
org
Human Capital Committee
· Direktur Utama
p.68
unresolved
—
Korea Riwayat Penunjukan Diangkat
· Komisaris Utama
p.70 ×10
unresolved
org
Bank Officers
p.70 ×12
unresolved
org
PT Bank KEB Hana Position History
p.70 ×4
unresolved
org
Bank Korea LG Twin Tower Branch
p.70 ×2
unresolved
org
PT Sport Glove Indonesia
p.71 ×2
unresolved
org
Pelaksana Harian Yayasan Pendidikan
p.71
unresolved
org
Yayasan Pendidikan
p.71
unresolved
org
Pelaksana Harian Yayasan
p.71
unresolved
org
Yayasan Pendidikan Mada
p.71
unresolved
org
Senior Auditor KAP Lukman Hadianto & Rekan
p.71
unresolved
org
Lukman Hadianto
p.71 ×2
unresolved
org
Lukman Hadianto & Rekan
p.71
unresolved
org
PT VKTR Teknologi Tbk.
p.72 ×3
unresolved
org
Mobilitas Tbk.
p.72 ×3
unresolved
org
Menteri Luar Negeri Republik Indonesia
p.72
unresolved
org
Minister of Foreign Affairs
p.72
unresolved
org
Ministry of Foreign Luar Negeri Republik Indonesia
p.72
unresolved
org
Ministry of Kementerian Luar Negeri Republik Indonesia
p.72
unresolved
org
Ministry of Foreign
p.72
unresolved
org
Kementerian
p.72
unresolved
org
Kementerian Luar Negeri Republik Indonesia
p.72
unresolved
org
Departemen
p.72
unresolved
org
PT Bank KEB Hana Indonesia Position History
p.73 ×5
unresolved
org
Bank Suwon Finance
p.74
unresolved
org
Bank Suwon Finance Center
p.74
unresolved
org
Bank Cabang Sinchon
p.74
unresolved
org
Bank Sinchon Branch
p.74
unresolved
org
Bank Hannam-dong Hannam-dong
p.74
unresolved
org
Bank Cabang Sung
p.74
unresolved
org
Bank Sung
p.74
unresolved
org
Bank SMEs
p.74 ×2
unresolved
org
Bank Commercial Banking Commercial Banking
p.74
unresolved
org
Bank Gangnam
p.74
unresolved
org
Bank Gangnam Joongang Joongang Divisi Bisnis
p.74
unresolved
org
Bank Departemen
p.74
unresolved
org
PT Hana Indonesia
p.74 ×7
unresolved
org
PT KEB Hana Indonesia
p.74 ×7
unresolved
org
Departemen IT Governance and Risk
p.75
unresolved
org
Departemen IT Operation
p.75
unresolved
org
Departemen Data Centre and Technical
p.75
unresolved
org
Departemen IT MIS.
p.75
unresolved
org
PT Bank KEB Position History
p.75
unresolved
org
PT NEXT Transformatech Indonesia
p.75 ×2
unresolved
org
PT Bank Hana Indonesia
p.75 ×11
unresolved
—
Effectively Kepatuhan.
· Direktur
p.76
unresolved
org
Bank Finconesia
p.76 ×6
unresolved
org
Departemen Akuntansi
p.76
unresolved
person
Effectively
· Direktur
p.77 ×2
unresolved
org
PT QNB Indonesia
p.77 ×4
unresolved
org
PT Bank ANZ Indonesia
p.77 ×4
unresolved
org
Departemen Manajemen Risiko
p.77
unresolved
org
Departemen Credit Administration.
p.78
unresolved
org
Bank International Indonesia Tbk
p.78 ×4
unresolved
org
Bank Wide Risk Management
p.78 ×2
unresolved
org
Departemen General
p.80
unresolved
org
Bank Lippo Tbk
p.81 ×4
unresolved
org
KEB Hana Bank, Korea
p.86
unresolved
org
Institusi Asing Corporation
p.86 ×2
unresolved
person
Anton
· Direktur
p.87
unresolved
org
Setijo Corporation
p.88
unresolved
org
PT Bank KEB Hana Indonesia Kronologi Pencatatan Saham
p.88
unresolved
org
Bank Obligasi Subordinasi I Bank Hana
p.89
unresolved
org
Bank Hana Description
p.89
unresolved
org
Hana Capital Co Ltd
p.90 ×4
unresolved
org
PT Sinarmas Hana
p.90 ×2
unresolved
org
PT Sinarmas Hana Finance TANGGAL PENDIRIAN
p.91
unresolved
org
PT Sinarmas Hana Finance
p.91 ×4
unresolved
—
Komisaris/Board
p.91
unresolved
—
Utama/President Commissioner: Park Dong Wook
· President Commissioner
p.91 ×3
unresolved
person
Seo Ji Su
· Director
p.91
unresolved
—
Independen/Independent
p.91
unresolved
person
Chang Won Suk
· Director
p.91
unresolved
person
Herry Hermana Sukriawidjaja
· Commissioner
p.91
unresolved
person
Andrew Ludy
· Director
p.91
unresolved
—
Komisaris/Commissioner: Nasser Atorf
· Commissioner
p.91 ×2
unresolved
person
Agustinus Budi Antoro
· Director
p.91
unresolved
org
PT Hamko Propertindo Ananta
p.152 ×2
unresolved
org
PT Next Transformtech Indonesia
p.152
unresolved
org
PT Hamko Propertindo
p.152
unresolved
org
Bank Title
p.159 ×3
unresolved
org
Bank Counterparty Counterparty
p.234
unresolved
org
Bank Financial Bank Financial Institution
p.234
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